Arogya Raksha means “health protection.” “Arogya” means “health,” and “Raksha” means “protection.” Arogya Raksha was launched by then-Hyderabad Chief Minister N. Chandrababu Naidu on January 1, 2017. As the name implies, Arogya Raksha is a health insurance scheme designed to provide minimal-priced quality healthcare services to both low-income class and middle-income class families.
Arogya Raksha is a well-planned health insurance scheme that provides beneficiaries with high-quality healthcare. The following are some of the features and benefits of the Arogya Raksha Policy.
Beneficiaries of the Arogya Raksha policy are entitled to the following benefits:
The following are the Arogya Raksha health insurance scheme’s exclusions:
Arogya Raksha Policy comes in three different plans, depending on the number of beneficiaries covered. Each Plan’s total sum insured ranges from INR 1 lakh to INR 10 lakh. Below are the details:
It should be acknowledged that the cost of the premium is determined by the amount of Arogya Raksha policy coverage opted for.
The Arogya Raksha Policy is suitable for families in the state of Andhra Pradesh who have registered as being above the poverty line or are BPL. The scheme does not set a basic wage criterion for eligibility.
Regardless of the method of registration, the beneficiary has to submit certain documents, as well as an active contact number linked to the Aadhaar card. They are:
The Arogya Raksha Policy coverage’s enrolment procedure is straightforward. With the right documents in place, renewal and registration processes are straightforward. The process of new registration can be done via the insurance company or with the help of a kiosk. You can sign up as a new beneficiary in one of two ways:
Visit the Arogya Raksha section on the online portal of your preferred insurance company. You will find the policy application forms on the page. Fill in the blanks and finish the process by paying the required fee online. One’s Arogya Insurance Policy provider will now guide you through the process of downloading your Arogya Raksha healthcare card.
One must carry their Aadhaar card along with a mobile phone linked to their Aadhaar card. This will assist the operator in finalising their registration. The Arogya Raksha Policy provider will ask for the Aadhaar number prior to providing you with a One-Time Password. After completing the steps, the kiosk operator will have their Arogya Raksha health insurance card printed for themself.
When users register and enrol in the Arogya Raksha Scheme, they will be given a health card. Users can use the coverage provided by this Arogya Raksha health card. Users can get their Arogya Raksha health card from the kiosk operator or by downloading it. This is how one can avail of their Arogya Raksha health card.
Please keep in mind that you will need a printer to print the Arogya Raksha Health Card. The following are the steps to downloading your health card:
To file your claim under the Arogya Raksha policy can be done in two different ways. The government makes sure that any claim, regardless of its nature, will be settled easily and accurately.
The hospital network under the scheme are health care facilities already approved as eligible for receiving cashless coverage to Arogya Raksha insurance beneficiaries. The receivers will be presented with a list of medical facilities to choose from. The TPA will provide approval before beginning treatment to register for cashless claims. The beneficiary is then only obligated to pay the excess, if any.
In this type of claim, the insured pays for the entire hospital bills. They are then eligible to receive coverage from the insurer. This claim can be utilised at any of the enlisted medical facilities, exclusive of its status of empanelment. A reimbursement claim is useful when the beneficiary has sufficient monetary support and wishes to go to a medical facility to visit a hospital of their choice.
Users should keep in mind that they must positively inform the Arogya Raksha Policy provider within one day of claiming to be hospitalised. Important documents such as discharge summaries, physician’s prescriptions, invoices, hospital records and expenses, etc., should be collected to file a reimbursement claim.
Claim for Rehab Treatment
Although a subsequent diagnosis is free of charge for the beneficiary, hospitals must submit the updated information under the Arogya Raksha policy insurer to receive complete reimbursement for the claim:
Thus, Arogya Raksha policy is an excellent government initiative that provides health coverage to everyone in India. It covers your medical expenses whenever medical treatment is availed. Be it hospitalization, cost of medicine, or consultation fees, everything is covered under this plan. This policy offers you a fixed amount of claim no matter what the actual cost of the treatment will be. It is a great health plan that helps you cover your whole family under one scheme.
Ans: Arogya Raksha’s toll-free number is 1800-599-1111. Users can also call 104 to get their questions answered. It is applicable throughout India.
Ans: It is very simple to check the claim status of your Arogya Raksha policy. All you have to do is call the policy’s customer service number or contact the insurance company or TPA directly.
Ans: If there is no gap in the policy, the beneficiary can receive cataract treatment under the Arogya Raksha policy after 24 months.
Ans: The initial waiting period for the Arogya Raksha policy is 30 days. This means that the beneficiary can make a claim and receive policy benefits only after a 30-day queueing period has passed.
Ans: Cash, Credit Card, Debit Card, UPI, Visa Card, Master Card, and RuPay Card are all acceptable methods of payment at Arogya Raksha Policy.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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