Arogya Raksha Yojana Health Micro Insurance
Country of Operation
- Arogya Raksha Yojana TrustNot-for-profit
Target income level
- Bottom 20%
- Lower-middle income (20-40%)
- Middle-income (40-60%)
SummaryArogya Raksha Yojana is a comprehensive health insurance plan that offers people of rural India affordable access to high quality healthcare, provided by a network of hospitals and clinics, and supported by leading doctors and surgeons.
The plan aims to better the quality of life for rural India through a number of healthcare initiatives thereby reducing the severity of poverty resulting from health related catastrophes.
Key program components
The ARY Micro Health Insurance Scheme is a critical component of ARY’s healthcare services, protecting poorer people against the debilitating effects of catastrophic illnesses. Participants can receive 1600 + surgeries and subsidized services for hospitalization that does not lead to surgery.
Enrolling people under the Arogya Raksha Yojana Health Micro Insurance Scheme has moved from a paper based enrollment system to a mobile phone based enrollment system. Details of each customer -age, sex, relationship, address- are entered on the mobile phone and the member’s photograph is captured on the phone. This data is sent directly from the mobile phone to the insurance company’s server. This technological innovation has helped cut down data entry errors, reducing the time between enrollment and delivery of cards to customers. The software was developed by Thinkways Software Technologies Pvt. Ltd, Bangalore.
Arogya Raksha Yojana Clinics
Arogya Raksha Yojan is also building a number of clinics in remote areas of rural India where inadequate transport makes it difficult for people to go to the network hospitals for minor ailments. Each new clinic will have an outpatient facility, a pharmacy and a diagnostic lab.
Clinic facilities will be available for everyone in the area, but only Arogya Raksha Yojana enrollees will be able to receive free outpatient services. Other patients will pay a nominal consultancy fee of Rs.5.00. All patients will have access to the discounted generic drugs available at Biocare Pharmacies and lab facilities.
There are 9 Arogya Raksha Yojana Clinics and 32 network hospitals across Karnataka currently. Attending to an average of 40 to 50 patients everyday, the clinics will serve as an important first point of contact where villagers will be treated by the doctor. When necessary, patients will be referred to specialty hospitals.
Preventive Health Education
The most effective health interventions are public health measures to prevent the spread of communicable diseases and to improve overall health. Therefore an important feature of community-based health services is a component to deliver health and sanitation education. In addition to offering health insurance, the Trust conducts programmes to educate the villagers on the importance of basic hygiene measures in their households that will go a long way to preventing illnesses.