The Rajiv Arogya Bhagya scheme provides subsidized tertiary healthcare to APL card holders in Karnataka for 7 super specialties including cardiology, neurosurgery, and oncology. It is implemented through an assurance model with financial coverage up to Rs. 1.5 lakhs per beneficiary from the Suvarna Arogya Suraksha Trust. Treatment is provided through an empaneled network of over 145 public and private hospitals. The scheme utilizes a co-payment mechanism where beneficiaries pay 30% of costs for general wards or 50% of costs for semi-private or private wards. Information on the scheme can be accessed through the mobile application or websites.

1. RAJIV AROGYA
BHAGYA SCHEME
Submitted by:
BISHAL KUMAR SHAW
IIHMR, BANGALORE
PGDHM(2016-2018)

2. INTRODUCTION
 The Government of Karnataka has approved a Health Assurance Scheme vide
Government order G.O. No. Akuka 343 CGE 2013.
 Specially designed for…
 Get subsidised treatment
Get cashless treatment

3. Objectives of RAB
 To provide better quality of “Tertiary Health Care”
Better & affordable treatment of catastrophic
illnesses involving hospitalization, surgery, and
other therapies.

4. Coverage of RAB
 APL card holders
The APL cards should be issued by the Food and Civil
Supplies Department.

5. Scheme design
 The scheme shall get implemented in an “Assurance Mode”
with a component of “Co-payment” payable by the APL
beneficiary to the “Empanelled Network Treating Hospital”.
 Finance is assured by the Government through Suvarna
Arogya Suraksha Trust.
 Financial assurance shall be limited to Rs. 1.5 lakhs.
 The scheme shall also allow a buffer of Rs. 50,000/-, which
shall get sanctioned at the discretion of the Executive
Director, Suvarna Arogya Suraksha Trust.

6. Benefits in the RAB Scheme
 Subsidized care for 449 procedures under 7 broad super
specialties of
 Cardiology (includes cardiothoracic surgery, cardiovascular
surgery and other cardiac procedures)
 Neurosurgery (includes Cranial, Spinal and peripheral
neurosurgical procedures)
 Genitourinary Surgeries (includes renal and congenital
genital malformations)
 Oncology (medical, surgical and radiation),
 Paediatric Surgeries (includes neonatal procedures)
 Polytrauma (includes injury with associated multi-organ
involvement) and Burns (includes electrical shocks )

7. Empanelled network
 The treatment providers under this scheme is the network of
more than 145 Hospitals both in the Public and Private sector
ex: BGS global hospitals, Indira Gandhi institute of child health,
Kidwai institute of oncology , Narayana hrudayalaya hospitals
etc.

8. Co-Payment Mechanism
 For General Ward :– The “Basic Package Rate” alone is
admissible and it is shared between the Suvarna Arogya
Suraksha Trust and the Beneficiary in the ratio of 70%:30%
and these wards are not entitled for any upgraded services.
 For Semi private / Private ward : 50% of general ward rate

9. Example of Co-Payment Mechanism
* For Procedure CABG
 General ward Rate : Rs.95000
 Hospital Declared Rate for Semi Private ward is
 Rs. 125000
 Hospital declared Rate for Private Ward : Rs. 150000.

10. * Option 1:
 If Patient opts for General Ward for CABG .
 Govt Share: Rs 66500 ( 70% of the General Ward charges will be given)
 Patient Share: Rs 28500 ( Rs95000 – Rs.66500).
* Option 2:
 If Patient opts for Semi private Ward for CABG.
 Govt Share: Rs 47500 (50% of the General Ward charges will be given)
 Patient Share: Rs 77,500 ( Rs125000 – Rs.47500).
* Option 3:
 If Patient opts for private Ward for CABG.
 Govt Share: Rs 47500 (50% of the General Ward will be given)
 Patient Share: Rs 1,02,500 ( Rs150000 – Rs.47500).

11. How to Access the Scheme
* Method 1:
 The information can be accessed through web based (internet) by
typing the below website address:
 www.rajivarogya.org
 www.rajivarogya.com
 www.rajivarogya.in
* Method 2:
 Mobiles based Android App: App can be downloaded from Google
Play store by typing “rajivarogya”.
 Mobiles based Apple App: App can be downloaded from Apple App
store by typing “rajivarogya”.

12. Summary
 Objective to provide “Tertiary Health Care”
 Beneficiaries are APL card holders
 7 broad super specialties
 Scheme design and financial limit
 Co payment mechanism
 Mobile application

13. References
www.rajivarogya.org
www.sast.gov.in
www.google.in

14. Thank You