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Vajpayee Arogyasri Yojana
State health insurance scheme providing cashless tertiary healthcare to Below Poverty Line (BPL) families in Karnataka.
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Up to ₹₹2,00,000
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Official fee
₹0 — completely free
Treatment under the scheme is completely cashless for BPL families. Do not pay any fees to hospitals or agents.
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Highlights and Media
Key Highlights
Cashless Hospitalization
Cashless tertiary healthcare coverage of up to ₹1.5 Lakh per year with an additional emergency buffer of ₹50,000.
Day 1 Coverage
All pre-existing medical conditions are covered from the very first day of enrollment.
No Family Size Cap
All members listed in the valid BPL card are automatically covered under the floating health cover.
Annual Medical Benefit Limits
Annual medical assistance limits per BPL family
Who is eligible
- Applicant is a resident of Karnataka state.
Eligibility rules · v1 · effective 1 January 2010
Who is not eligible
- The scheme is only open to residents of Karnataka.
How to apply
Empanelled Hospital Registration
Visit an empanelled network hospital with your BPL card and Aadhaar card.
Typical duration · 1 day
Pre-authorization Request
The hospital desk submits a cashless pre-authorization request to Suvarna Arogya Suraksha Trust.
Typical duration · 1 day
Treatment and Cashless Settlement
Receive cashless treatment; the trust settles the bill directly with the hospital.
Typical duration · 21 days
Sources
- Suvarna Arogya Suraksha Trust — Government of KarnatakaMINISTRY_PORTAL · Fetched 5 July 2026
Additional Details
Vajpayee Arogyasri Yojana is the flagship health insurance scheme of Government of Karnataka, which aims to provide quality medical facilities to Below Poverty Line (BPL) families across both rural and urban areas of Karnataka. The scheme covers free treatment for 402 tertiary procedures including cardiovascular diseases, cancer treatment, burns, and neonatal diseases. Cashless treatment up to a limit of ₹1.5 Lakh is provided annually to the family on a floating basis, with an additional emergency buffer of ₹50,000 on a case-to-case basis. The scheme covers all pre-existing diseases from Day 1 and aims to settle claims within 21 days of receipt.