Explain the details of the "Arogya Raksha" scheme started by the Government of Andhra Pradesh. Also compare the scheme with other health insurance schemes of Andhra Pradesh.
In short
Arogya Raksha extends contributory health insurance to Above Poverty Line families, the missing middle, with an annual cover of Rs 2 lakh per individual for 1,044 procedures. Unlike NTR Vaidya Seva's free family floater for BPL families, it offers individual cover with cost-sharing.
Model answer
Ghissu Editorial · Verified 4 Oct 2026 · 366 words
The Andhra Pradesh1 government’s Arogya Raksha scheme addresses health insurance gaps for the missing middle, complementing national and state schemes amid infrastructure shortfalls noted in the Andhra Pradesh CAG Audit 2024.
Details of Arogya Raksha Scheme
Arogya Raksha vs Other Andhra Pradesh Schemes a: Arogya Raksha b: Other Andhra Pradesh Schemes (e.g., Dr NTR Vaidya Seva) → Coverage scope :: Primarily APL and BPL; extends to missing middle :: Mainly BPL and vulnerable groups → Sum insured :: Rs. 2 lakhs per individual annually :: Rs. 2.5 lakh family floater (NTR Vaidya Seva) → Payment model :: Co-payment for APL; free for BPL :: Mostly free for BPL, limited for others → Hospital network :: Government and private empaneled hospitals :: Government and private network hospitals
1. Inclusive Coverage: Extends benefits to APL families, unlike Dr NTR Vaidya Seva, which focuses mainly on BPL groups. 2. Enhanced Financial Protection: Provides Rs. 2 lakhs annual cover per individual, far above the Rs. 30,000 per family under the national RSBY. 3. Co-Payment Mechanism: APL members pay a modest annual premium, ensuring fiscal balance and beneficiary contribution. 4. Cashless Access: Empaneled government and private hospitals offer cashless secondary and tertiary care.
Broader Target Group
Unlike NTR Vaidya Seva’s BPL focus, Arogya Raksha includes the missing middle, expanding coverage in Andhra Pradesh.
Higher Coverage Limits
Rs. 2 lakhs per individual vs. a shared family floater under NTR Vaidya Seva enhances protection against costly treatments.
Cost-Sharing vs Free Models
Co-payment for APL contrasts with fully state-funded BPL schemes, balancing sustainability.
Complementing National Schemes
Fills gaps left by Ayushman Bharat PM-JAY, targeting those not covered nationally.
Increase Awareness
Outreach in rural and semi-urban Andhra Pradesh to boost enrollment among the missing middle.
Expand Hospital Network
Include more private providers in underserved areas to reduce out-of2-pocket expenses.
Regular Monitoring
Use CAG audit insights to optimize scheme implementation.
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