Health Cover for APL Families, Govt Staff

Published: 21st January 2015 06:00 AM  |   Last Updated: 21st January 2015 03:51 AM   |  A+A-


BENGALURU: Chief Minister Siddaramaiah on Tuesday launched two health insurance schemes — Rajiv Arogya Bhagya (RAB) for APL families and Jyothi Sanjeevini (JS) for state government employees.

Siddaramaiah said government employees will get free treatment in 124 empanelled private hospitals under the JS scheme and there will be no cap on the bill.

Under RAB, every APL card-holder, irrespective of family income but without an insurance cover, can avail treatment for up to Rs 1.5 lakh in 110 shortlisted private hospitals.

Families holding APL cards issued by the Food and Civil Supplies Department are eligible under RAB and need to register with Suvarna Arogya Suraksha Trust, the nodal agency constituted to oversee the implementation of the two schemes.

Under RAB, beneficiaries opting for treatment in general wards can get back 70 per cent of the treatment cost, and those who choose semi-private and private wards can claim 50 per cent.

Both the schemes will cover tertiary treatment under seven broad specialities — heart, neurology, kidney, cancer, burns, accident and children affected by serious diseases.   Over 449 serious types of surgeries related to these ailments have been identified. 

The government has plans to provide advanced healthcare at its super-speciality hospitals — this would be on a cash payment basis.  The JS scheme aims to provide quality tertiary care for treatment of major illnesses that involve hospitalisation, surgery and therapies.

State government employees and their dependants will be the beneficiaries and this scheme too will be monitored and governed by Suvarna Arogya Suraksha Trust.

The full cost of treatment will be borne by the Department of Personnel and Administrative Reforms and the scheme will be implemented in an assurance mode through the Trust by a network of empanelled hospitals.

Employees whose monthly salary is up to Rs 16,000 are eligible for accommodation in the general ward, and those who receive  Rs 16,001-Rs 43,200 can get space in the semi-private ward. Those who earn more can get accommodation in the private ward. Depending on the choice of ward,  the beneficiary has to bear the difference in cost.


To get an APL card, eligible families need to send their applications online, attaching copies of their EPIC (mandatory) and Aadhaar (optional) cards. As of now, the Food and Civil Supplies Department has stopped accepting applications for both BPL and APL cards as the officials are busy verifying the pending requests.


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