Arogya Bhagya Karnataka – Universal Health Coverage Scheme

Arogya Bhagya Scheme – Universal Health Coverage Scheme in Karnataka (UHC) 2019 [Online Application Form, Health Card, Login, Eligibility Criteria

The central government has already announced the Ayushman Bharat Healthcare scheme for the poor people of the nation. Keeping in line with this scheme, several states came up with their version of the medical relief programs, available exclusively for the residents of the specific state. The Karnataka government was not to be left behind, and soon announced the Arogya Bhagya Scheme. The scheme was also popularized as the Universal Health Coverage Scheme. The primary objective of the implementation of Universal Health Coverage Scheme was to ensure that all legal residents get proper access to modern healthcare benefits, without worrying about the expenses.

arogya bhagya karnataka

Launch details of the scheme

Name of the schemeArogya Bhagya Scheme or Universal Health Coverage Scheme
Launched inKarnataka
Launched byH. D. Kumaraswamy
Official launch dateJune 2018
Supervised byHealth & Family Welfare Services in Karnataka
Official website
Target beneficiariesResidents of Karnataka


Key features of the scheme

  1. Betterment of medical services in the state – For long, the poor people of the state had no access to proper medical infrastructure. Implementing the Universal Medical Coverage will ensure such facilities to all, and also ensure development of healthcare facilities.
  2. Estimated beneficiary count – A recent survey, conducted by the Karnataka government has highlighted that 1.4 crore residents have been found eligible to acquire the medical perks.
  3. Free treatment for BPL applicants – The scheme guidelines suggest that all applicants, who possess a BPL certificate, will not have to pay a single rupee for the medical treatments, until the cost does not go above a certain sum.
  4. Payment specification for APL applicants – Unlike BPL candidates, people who are registered under the Above Poverty Level category, will have to take care of most of the treatment expenses by themselves. The state will pay for 30% of the total treatment cost, while the patient party will have to arrange the remaining 70%.
  5. Treatment package announced for households – Families, applying for the benefits of the scheme will be allowed Rs. 1.5 lakhs treatments. The patients, from the house will be allowed to attain free treatment out of this fund, during a financial year.
  6. Extra financial assistance – Some ailments are chronic, and the allocated treatment package will not suffice for a continuous treatment procedure. Under such circumstances, patients will attain an additional sum that will be Rs. 50,000 for treatment.
  7. Treatment in private nursing homes – Any person, who goes to the private nursing homes directly, will be barred from getting the medical privileges. They must go to the listed government hospitals first. Here they must show the scheme health card and get admission. If the doctors are of the opinion that the patient requires advanced care that is only available in private institutes, they will offer a referral certificate. Only then the patient can take admission in a private healthcare facility and get the state sponsored financial help.
  8. State allocated budget – As the scheme has several benefits, outlined for the benefit of the people, it will require massive financial support. The state finance department has highlighted a figure of Rs. 2000 crore for necessary implementation.
  9. Health card issuance – It has been clearly mentioned in the scheme draft that all applicants will only be able to attain the benefits of this medical scheme, if they possess the health card that will be issued at government hospitals. The hospital will charge Rs. 10 for the issuance of this card. In case of card loss, an additional payment of Rs. 20 will be required for the issuance of a duplicate health pass.

Eligibility and documents necessary for application

  1. Only for residents of Karnataka – The main requirement is that all applicants must be legal residents of this state. They must possess such legal papers, which will support their residential claims.
  2. For people from all financial backgrounds – As mentioned, applicants who fall below and above the poverty line are allowed to enroll for the medical benefits. BPL candidates need to submit a copy of the BPL certificate to attain free treatment, which is not available for APL individuals.
  3. No age restrictions – No age restriction has been placed in the scheme guidelines. From infants to aged citizens, all are equally eligible to attain the perks.
  4. ID proof documents – Identification proof documents like voter card and Aadhar card copies will also be required to check the authenticity of the applicant.
  5. Ration card – As people, belonging to BPL and APL categories will be able to attain the benefits of this project, they will have to attach a copy of their ration card with the enrollment document.
  6. PSD pass – It is mandatory for the interested applicants to have their PSD passes. The registration code on this pass will be necessary during enrollment.

How to attain the registration form?

Common people will not have to do anything to enroll under this scheme. All application related nitty-gritty will be taken care of by the appointed government medical staffs. These staffs will be stationed at all listed hospitals, healthcare centers and nursing homes. When an interested applicant approached them, the staff will collect the documents, enter the details in software and issue a health card.

How to enroll for the health care program?

  1. If any person is interested in applying for the healthcare scheme, he/she will have to go to the listed hospitals with original and photocopies of all required documents.
  2. The government staff who will assist in the enrollment process will be at the Arogya Mitra booth.
  3. The Arogya Mitra will ask for the applicant’s Aadhar card. Then he/she will open the software and start the enrollment procedure.
  4. Clicking on a certain link will bring up the online application form.
  5. The Arogya Mitra will feed in the Aadhar code and the biometric information of the person in the database.
  6. As soon as the Aadhar card details are fed it, the system will automatically check it to ensure that the person’s claims are genuine.
  7. If the database does not contain the biometric details of the interested applicant, then the Arogya Mitra will select OTP verification process. Another alternative to this is the QR code scanning procedure.
  8. The Arogya Mitra will need to use the personal details of the applicant to fill in the form. To give this permission officially, every interest applicant needs to read and sign a declaration form.
  9. Once the main form fill-up is done and checked, it will time to fill in another digitized document that will require the details of the PDS pass.
  10. After the second round of fact checking is complete, the Arogya Mitra will complete the fill-up of online Know Your Customer or e-KYC document.
  11. Once this is complete, the staff will click on the submit button to save the application.
  12. The software will highlight a successful application message. This means the applicant is eligible to attain the perks, as promised by the scheme.
  13. Along with this message, the software will provide a code against the application. The code is popularly known as the “ArKID” credential.
  14. The Arogya Mitra will give a printout to the applicant. This paper will contain the mane, address, contact details and other personal information, along with the “ArKID” credential.
  15. It will work as the Healthcare Pass that will cost only Rs. 10.

Information about listed hospitals

The implementation of the scheme was done in two separate phases owing to its elaborateness. Before the activation of Phase 1, the state authority published a list that contained the name, addresses and contact details of ten hospitals. To know about them, click on the link

The state government soon realized that it was not possible to tackle the load with only ten listed hospitals. Thus, they added 33 more healthcare organizations to the existing list. A click on the list will offer details about these institutes.

Helpline number for the scheme

The elaborateness of the scheme can make it tab bit complicated for some. These people can call on the toll free helpline numbers, which have been launched for assisting people. The phone numbers are 1800-425-8330 and 1800-425-2646. Apart from this, one can get in touch with the doctors, which are associated with the state sponsored project. To get their contact details, click on the link

Once the beneficiaries attain their health pass, they can show it at any listed hospital and get proper treatment. The success of this scheme will ensure that poor and invalid people do not have to suffer due to absence of proper and timely treatment. It is not a personal medical coverage. If one person from the family applies for the scheme, then other family members will also attain the privileges, as long as they have their healthcare passes.

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