Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance)
Cashless hospitalization cover up to ₹5 Lakh per family per year for BPL families across 500+ tertiary hospitals for 1,650 procedures.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹1,800 Crore annual state health assurance budget administered by SAST
Official Budget Document ↗Covering 1.4 Crore families (approx 5.5 Crore citizens) across Karnataka
As of: 2026-01-31PIB / Official Citation ↗Verified Eligibility Criteria
Resident of Karnataka holding a valid Food & Civil Supplies Ration Card (AAY, BPL, or APL card) and Aadhaar card.
Required Documents Checklist
Verify readiness before applying for Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Patient visits nearest government hospital / District Hospital or empaneled private hospital.
- 2
Present BPL / APL Ration Card and Aadhaar card at the Arogya Mitra desk.
- 3
Arogya Mitra generates unique AB-ArK Patient ID with biometric e-KYC.
- 4
Treating doctor generates pre-authorization request for surgical package.
- 5
Suvarna Arogya Suraksha Trust (SAST) approves pre-authorization; patient receives 100% cashless treatment.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-resident outside Karnataka, treatment sought in non-empaneled private nursing home, or package not included in 1,650 approved list.
Official Government Application Portal
You will be redirected to the secure official portal: arogya.karnataka.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Can APL cardholders get benefits under Arogya Karnataka?
Yes, APL cardholders receive 30% financial assistance up to ₹1,50,000 for listed surgical procedures on a co-payment basis.
Source: Official Scheme FAQ ↗Is emergency trauma treatment covered without referral?
Yes, acute trauma, road accidents, and life-threatening cardiac emergencies are admitted immediately without requiring government hospital referral.
Source: Official Scheme FAQ ↗What should a patient do if a private hospital demands cash?
Patients can immediately register a complaint with the Suvarna Arogya Suraksha Trust toll-free helpline at 1800-425-8330.
Source: Official Scheme FAQ ↗Who is eligible to apply for Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance)?
Eligible applicants must satisfy official government criteria for Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance). Conditions: Resident of Karnataka holding a valid Food & Civil Supplies Ration Card (AAY, BPL, or APL card) and Aadhaar card..
Source: Official Scheme FAQ ↗Can I track my Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance) application status?
Application status for Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance) can typically be tracked through the official portal at arogya.karnataka.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline at 14555 / 1800-111-565 or visit your nearest Common Service Centre (CSC).
What should I do if my Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-resident outside Karnataka, treatment sought in non-empaneled private nursing home, or package not included in 1,650 approved list.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | state | Official Source ↗ |
| 2026-10-18 | grievance_helpline | 14555 / 1800-111-565 | Official Source ↗ |
| 2026-10-18 | implementation_agency | National Health Authority (NHA), Ministry of Health | Official Source ↗ |
| 2026-09-24 | initial_verification | Baseline verification of Arogya Karnataka - Ayushman Bharat (AB-ArK Universal Health Assurance) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
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Application Window & Deadlines
Continuous 24x7 admission across all empaneled hospitals statewide
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Apply online with minimal documents
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📅Scheme Milestone Timeline
Baseline verification of Arogya Karnataka - Ayushman Bharat (AB-ArK Universal He...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Suvarna Arogya Suraksha Trust (SAST), Government of Karnataka
7th Floor, Prestige Hosto Chambers, 1st Cross, Subbaiah Circle, Bengaluru 560027
Helpline: 1800-425-8330
Jurisdiction: State (Karnataka)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.