Karnataka Ayushman Bharat - Arogya Karnataka (ArK)
State-notified public health assurance program providing cashless medical treatment across Karnataka.
Sum Insured / Cover
₹5 Lakh BPL / 30% Subsidy APL
Annual Premium
100% Free / Subsidized by State
Claim Settlement
98.2% (Direct Cashless)
Network / Scope
1,200 Empaneled
✦ Key Benefits & Policy Coverage
Comprehensive health coverage for BPL families (₹5 Lakh free) and APL families (30% cost co-payment up to ₹1.5 Lakh).
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
Direct private hospital admission restricted; requires public hospital (Taluk/District) referral for secondary care.
✦ Eligibility Requirements
Karnataka residents with BPL ration card for Category A; Aadhar card with APL ration card for Category B.
✦ Application, Enrollment & Claims Process
1. Verify family eligibility on state food security or health portal.
2. Obtain state health smart card or link Aadhaar at local CSC.
3. Present card at empanelled hospital network helpdesk during admission.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Aadhaar Card, State Ration Card / Jan Aadhaar / Parivar Pehchan Patra, Domicile certificate, Mobile number.
✦ Life Situations Where This Scheme Helps
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Having a Baby & Early Childhood
Government financial assistance, healthcare, nutritional support, and savings schemes for expecting mothers, newborns, and infants.
Health Emergency & Medical Care
Cashless hospital treatment up to ₹5 Lakh, free essential medicines, diagnostic services, and critical illness financial support.
Senior Citizens & Retirement Care
Guaranteed pension schemes, free assisted living devices, subsidized healthcare, and geriatric welfare for elderly citizens.
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India