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—yojana:ysr-aarogyasri-ap [2026/07/10 18:29] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>
 +metatag-keywords=(ntr vaidya seva, ysr aarogyasri, aarogyasri ap, andhra pradesh health scheme, ap health card, 5 lakh health cover, dr ntr vaidya seva trust, aarogyasri eligibility, aarogyasri hospital list, ap cashless treatment, aarogyasri card download, ntr vaidya seva trust, aarogyasri contact, 104 helpline andhra pradesh)
 +metatag-description=(Complete 2026 guide to Dr NTR Vaidya Seva formerly Dr YSR Aarogyasri in Andhra Pradesh. Rs 5 lakh cashless health cover per family per year. Check eligibility, beneficiary categories, covered treatments, hospital list, card download, claim process, and RTI help for denied benefits.)
 +metatag-og:title=(Dr NTR Vaidya Seva (YSR Aarogyasri): Rs 5 Lakh Cashless Health Cover AP 2026)
 +metatag-og:description=(Complete 2026 guide to Dr NTR Vaidya Seva formerly Dr YSR Aarogyasri in Andhra Pradesh. Rs 5 lakh cashless health cover per family per year. Check eligibility, beneficiary categories, covered treatments, hospital list, card download, claim process, and RTI help for denied benefits.)
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 +metatag-og:image=({{:social:auto:yojana-ysr-aarogyasri-ap.png?direct&1200 |Dr NTR Vaidya Seva formerly Dr YSR Aarogyasri}})
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 +metatag-article:author=(Dr. Shrawan Kumar Pathak)
 +metatag-article:section=(Government Schemes)
 +metatag-article:tag=(Dr NTR Vaidya Seva, YSR Aarogyasri, Andhra Pradesh, Health Insurance, Cashless Treatment)
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 +
 +====== Dr NTR Vaidya Seva, formerly Dr YSR Aarogyasri: Rs 5 lakh cashless health cover in Andhra Pradesh (2026) ======
 +
 +{{:social:auto:yojana-ysr-aarogyasri-ap.png?direct&1200 |Dr NTR Vaidya Seva formerly Dr YSR Aarogyasri Rs 5 lakh health cover in Andhra Pradesh RTI Wiki}}
 +
 +//By Dr. Shrawan Kumar Pathak// {{icon>verified}} — Reviewed against official portals drntrvaidyaseva.ap.gov.in and hmfw.ap.gov.in.
 +
 +<WRAP center round important 90%>
 +**Quick answer (TL;DR):** Dr NTR Vaidya Seva (formerly Dr YSR Aarogyasri) is Andhra Pradesh's free cashless health scheme for poor families holding a white ration card. It provides **Rs 5 lakh per family per year** of hospital cover at empanelled hospitals, with the state paying the full premium. Enhanced limits up to Rs 25 lakh have been announced for select high-cost tertiary procedures. Check your name at drntrvaidyaseva.ap.gov.in or call **104**.
 +</WRAP>
 +
 +Before you read a single paragraph, run this quick check. If you can tick the boxes below, your family can most likely walk into an empanelled hospital in Andhra Pradesh and get treatment without paying at the counter.
 +
 +<WRAP info>
 +**Am I covered? A two-minute checklist**
 +
 +  * [ ] My family lives in Andhra Pradesh and holds a white ration card
 +  * [ ] Our annual family income is below Rs 5 lakh
 +  * [ ] Our combined land holding is not above 35 acres of wet and dry land
 +  * [ ] Our Aadhaar is linked to the ration card
 +  * [ ] The illness needs hospital admission, not only an OPD visit
 +
 +Tick most of these and you are almost certainly in the beneficiary list. Confirm your own name on the official portal before you rely on it.
 +</WRAP>
 +
 +===== First, the name. It has changed. =====
 +
 +This is the one thing that confuses families the most, so let us settle it before anything else. The Andhra Pradesh health scheme has carried several names because each state government has rebranded it.
 +
 +  * It began in 2007 as **Rajiv Aarogyasri**, launched by the Government of Andhra Pradesh.
 +  * The state renamed it **Dr NTR Vaidya Seva** in 2014.
 +  * It became **Dr YSR Aarogyasri** around 2019 under the previous state government.
 +  * Under the current Andhra Pradesh government, the mass health scheme for poor families again appears as **Dr Nandamuri Taraka Rama Rao Vaidya Seva**, shortened to **Dr NTR Vaidya Seva**. The live state portal now sits at [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]].
 +
 +Both names still circulate. Older cards, hospital boards, and web pages may say Dr YSR Aarogyasri, while the current official trust and portal use Dr NTR Vaidya Seva. The scheme itself, the free cashless cover for poor families, has run without a break through every rename. If you hold a card under the old name, it does not stop working the day the letterhead changes. When in doubt about the exact current branding on your paperwork, confirm on the official portal or call the health helpline on 104.
 +
 +===== What is Dr NTR Vaidya Seva and how much cover does it provide? =====
 +
 +The cover is designed so a poor family never has to sell land or borrow at heavy interest for a hospital admission.
 +
 +  * The base cover is **Rs 5 lakh per family per year** on a floater basis, which means the whole family shares the same annual pool.
 +  * Treatment is **cashless** at empanelled network hospitals. The hospital raises the bill with the state trust, not with you.
 +  * The scheme lists a wide set of treatments across cardiology, oncology, that is cancer care, nephrology and kidney transplants, neurology, and many surgical categories. The official portal keeps the current list of listed therapies.
 +  * There is **no separate premium** for a poor family. The state pays for the cover.
 +  * The scheme is **converged with Ayushman Bharat PM-JAY**, the central government's Rs 5 lakh health cover, which means the same card can work outside Andhra Pradesh for national portability. Read more about the national scheme on our [[:yojana:ayushman-bharat-pmjay|Ayushman Bharat PM-JAY guide]].
 +
 +You may also see figures as high as Rs 25 lakh quoted for high-cost tertiary procedures. The state has announced moves to enhance the cover toward that level for serious illness. Treat Rs 5 lakh as the confirmed base cover and check the current ceiling for a specific procedure on the official portal, because the exact enhanced limit and the list of procedures it applies to keep changing. Do not assume the Rs 25 lakh figure for your own case until the portal or the hospital desk confirms it for your treatment.
 +
 +===== Who is eligible for Dr NTR Vaidya Seva? =====
 +
 +Eligibility follows the white ration card and a set of exclusion tests, not a fresh medical exam.
 +
 +  * **Andhra Pradesh domicile.** The family must live in the state and hold a white ration card issued there.
 +  * **Income below Rs 5 lakh a year.** The scheme is meant for low income families. Households above this level are generally outside the base list.
 +  * **Land holding limit.** Combined wet and dry land holding should not be above 35 acres.
 +  * **Asset checks.** Families paying income tax above the threshold, owning more than one car, or otherwise outside the poor and vulnerable group are usually excluded.
 +
 +If your whole family is in formal jobs with private insurance and a high income, you are likely outside this scheme. In that case, check whether a member is covered by the central [[:yojana:ayushman-bharat-pmjay|Ayushman Bharat PM-JAY scheme]] instead, since the two are converged in Andhra Pradesh for national portability. Workers in the unorganised sector should also register on the [[:yojana:eshram-card|e-Shram portal]] for additional welfare benefits.
 +
 +==== Beneficiary categories at a glance ====
 +
 +^ Beneficiary category ^ Ration card / status ^ Cover amount ^ Key notes ^
 +| Below Poverty Line (BPL) families | White ration card (AP) | Rs 5 lakh / family / year | Primary and largest beneficiary group |
 +| Above Poverty Line low-income families | White ration card with income below Rs 5 lakh | Rs 5 lakh / family / year | Subject to land and asset exclusion tests |
 +| SC / ST / BC / Minority households | White ration card + caste certificate | Rs 5 lakh / family / year | No separate category, covered under same eligibility |
 +| Senior citizens in eligible families | White ration card (family member) | Rs 5 lakh (floater, shared) | Age alone does not qualify; family must meet all criteria |
 +| Unorganised sector workers | White ration card + [[https://eshram.gov.in|e-Shram registration]] | Rs 5 lakh / family / year | e-Shram registration helps but does not replace the ration card test |
 +| Families already under Ayushman Bharat PM-JAY | Converged with Dr NTR Vaidya Seva in AP | Rs 5 lakh (state) + Rs 5 lakh (PM-JAY) | National portability via PM-JAY for treatment outside AP |
 +| Families NOT eligible | Pink ration card, income above Rs 5 lakh, > 35 acres land, income tax assessees | Not covered | Must use private insurance or [[https://pmjay.gov.in|Ayushman Bharat]] directly |
 +
 +<WRAP info>
 +**Income test detail:** The Rs 5 lakh annual family income ceiling is assessed on combined household income, not individual income. If any member is a regular income-tax assessee, the family is generally excluded regardless of total income. Check the SECC (Socio-Economic Caste Census) data and the current beneficiary list on drntrvaidyaseva.ap.gov.in to confirm.
 +</WRAP>
 +
 +===== A worried family, before and after =====
 +
 +Picture a farming household in a district town. The father works his small field, the mother runs the home, and they have set aside a little for their son's college. One evening the father collapses with severe chest pain. The doctor says he needs an angioplasty, and the private hospital estimate is close to Rs 1.8 lakh. The family has no insurance and no such savings.
 +
 +Without the scheme, this night has one ending. They mortgage the land, borrow from a lender at punishing interest, or take the father home and hope. A single admission pushes the family into years of debt.
 +
 +Now the same night with a Dr NTR Vaidya Seva card. The family reaches an empanelled hospital, shows the card and an Aadhaar, and the hospital desk verifies eligibility and raises a pre-authorisation request. The angioplasty is done cashless. The family pays nothing at the counter for the covered package. The college fund stays untouched. That gap between the two versions of the night is the whole reason this scheme exists.
 +
 +===== How do I use the Dr NTR Vaidya Seva card at a hospital? =====
 +
 +  - **Confirm your name is in the list.** Search on the official portal at [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]] using your ration card or Aadhaar. If your name shows, you are a beneficiary.
 +  - **Keep your ration card and Aadhaar linked.** Most eligibility failures come from a mismatch between the ration card record and Aadhaar. Fix spelling or date errors before you need treatment. See our [[:check-status:ration-card-status|ration card status guide]] for correction steps.
 +  - **Choose an empanelled hospital.** The cover works only at network hospitals. Use the search-by-geography option on the portal to find the nearest one, both government and private.
 +  - **Reach the Aarogyasri or Vaidya Seva help desk inside the hospital.** Every empanelled hospital has a health coordinator or Mitra. Show the card and Aadhaar there.
 +  - **Let the desk raise pre-authorisation.** The coordinator files your case with the state trust for approval of the treatment package.
 +  - **Get treated cashless.** Once approved, you sign the records but do not pay the hospital for a covered package. Keep copies of every paper you sign.
 +
 +==== Documents you need ====
 +
 +^ Document ^ Why it is needed ^
 +| White ration card | Proof of eligibility and the family record |
 +| Aadhaar of the patient | Identity match during verification |
 +| Aadhaar linked mobile | For any OTP during verification |
 +| Referral or hospital paperwork | For the treatment package request |
 +
 +Keep a printout and a phone photo of the ration card and Aadhaar. Carrying them saves hours at the hospital desk on the day you are anxious and short of time.
 +
 +===== Which diseases and treatments are covered under Dr NTR Vaidya Seva? =====
 +
 +The scheme covers over **2,400 medical and surgical procedures** across major specialties. The full list is maintained on the official portal and is periodically updated. Here are the major categories:
 +
 +^ Specialty area ^ Examples of covered treatments ^
 +| Cardiology | Angioplasty, angiography, heart valve surgery, pacemaker implantation |
 +| Oncology (Cancer) | Chemotherapy packages, radiation therapy, surgical oncology, cancer screening |
 +| Nephrology | Dialysis sessions, kidney transplant surgery, post-transplant care |
 +| Neurology | Neurosurgery, treatment for stroke, brain tumour surgery |
 +| Orthopaedics | Joint replacement, fracture fixation, spine surgery |
 +| Polytrauma | Emergency treatment for major injuries from accidents |
 +| Mother and child | Neonatal care, complicated deliveries (see also [[:yojana:janani-suraksha-yojana|Janani Suraksha Yojana]]) |
 +| ENT and Ophthalmology | Cochlear implant, cataract surgery, retinal procedures |
 +| Gastroenterology | Endoscopy packages, liver surgery, hernia repair |
 +| Infectious diseases | Treatment for severe dengue, malaria, tuberculosis complications |
 +
 +<WRAP round tip 90%>
 +**Pre-existing conditions are covered.** Unlike private insurance, the scheme does not impose waiting periods or reject claims for pre-existing diseases. If your condition requires hospital admission for a listed therapy, it is covered from day one. This is one of the biggest advantages over commercial health insurance.
 +</WRAP>
 +
 +For the current, authoritative list of therapies and package rates, always check the **Therapies** section on [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]].
 +
 +===== How do I download my Dr NTR Vaidya Seva health card? =====
 +
 +You do not need a physical card to use the scheme. Your eligibility is verified electronically at the hospital desk using your ration card number or Aadhaar. However, having a printed card or a digital copy speeds things up.
 +
 +  - Visit [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]]
 +  - Navigate to the **Beneficiary Search** or **Health Card Download** section
 +  - Enter your ration card number or Aadhaar number
 +  - Verify with the OTP sent to your Aadhaar-linked mobile
 +  - Download and print the health card PDF
 +
 +If you cannot find your name in the search, your family may not be in the current beneficiary database. Contact the nearest Mandal Parishad Development Officer (MPDO) or Gram Sachivalayam / Ward Sachivalayam volunteer, who can help verify and correct your records. You can also call the **104 helpline** for assistance.
 +
 +<WRAP info>
 +**Sachivalayam volunteers:** Every village and ward in Andhra Pradesh has a Grama Sachivalayam (village secretariat) or Ward Sachivalayam volunteer assigned to your household. They can help check your Dr NTR Vaidya Seva eligibility, correct ration card errors, and guide you to the nearest empanelled hospital. This service is free.
 +</WRAP>
 +
 +===== What is the difference between Dr NTR Vaidya Seva and Ayushman Bharat PM-JAY? =====
 +
 +This is one of the most common questions, because the two schemes are converged in Andhra Pradesh but serve slightly different purposes.
 +
 +^ Feature ^ Dr NTR Vaidya Seva (State) ^ Ayushman Bharat PM-JAY (Central) ^
 +| Who runs it | Dr NTR Vaidya Seva Trust, Govt of AP | National Health Authority, Govt of India |
 +| Cover amount | Rs 5 lakh / family / year | Rs 5 lakh / family / year |
 +| Beneficiary base | White ration card families in AP | SECC-based deprivation criteria, all India |
 +| Where it works | Empanelled hospitals within AP | Any empanelled hospital across India |
 +| Premium | State-funded, free for beneficiary | Central + state funded, free for beneficiary |
 +| Convergence in AP | Yes, AP families get both | Yes, provides national portability |
 +| Portal | drntrvaidyaseva.ap.gov.in | pmjay.gov.in |
 +
 +In practice, if you are a Dr NTR Vaidya Seva beneficiary in Andhra Pradesh, you are automatically covered under Ayushman Bharat PM-JAY as well. The state scheme handles treatment within AP, while PM-JAY kicks in when you need treatment in another state. For a full walkthrough of the national scheme, see our [[:yojana:ayushman-bharat-pmjay|Ayushman Bharat PM-JAY guide]] or the [[:check-status:ayushman-bharat-status|Ayushman Bharat status check guide]].
 +
 +===== How are empanelled hospitals listed and how do I find one? =====
 +
 +The Dr NTR Vaidya Seva Trust empanels both government and private hospitals that meet its infrastructure and quality standards. The list changes as hospitals are added or removed.
 +
 +  - Go to [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]]
 +  - Look for the **Network Hospitals** or **Empanelled Hospitals** section
 +  - Search by district, hospital name, or specialty
 +  - The result shows the hospital address, contact number, and specialties covered
 +
 +Every empanelled hospital has an **Aarogyasri help desk** or **Aarogyamitra** — a dedicated coordinator who handles scheme-related paperwork. Ask for this desk the moment you arrive; they will guide you through verification and pre-authorisation.
 +
 +<WRAP warning>
 +**Service disruptions:** There have been news reports (2025–2026) of some private hospitals temporarily pausing Aarogyasri services over pending reimbursements from the state government. **Always confirm with the hospital directly** that they are currently accepting Dr NTR Vaidya Seva patients before travelling for a planned admission. Call the hospital or the **104 helpline** to verify.
 +</WRAP>
 +
 +===== Common problems and how to fix them =====
 +
 +  * **Your name is not in the list.** First try every search option, since ration card and spelling mismatches are common. If you are truly not listed, check your eligibility against the income and asset rules, and correct the ration card if the household record is wrong. See our [[:add-name-ration-card-2026|guide to adding a name to a ration card]].
 +  * **Aadhaar does not match the ration card.** Update the name or date of birth so the two records agree, then ask for re-verification.
 +  * **The hospital is not empanelled.** A card does not work at a non network hospital except in a notified emergency. Use the portal list to find the nearest empanelled hospital before admission.
 +  * **Cashless treatment is refused at an empanelled hospital.** Note the date, the staff name, and what was said. Raise it with the hospital coordinator and the state trust helpline on 104 in writing.
 +  * **Reports of service delays.** There have been news reports of some private hospitals pausing services over pending payments from the state. This can affect availability for a while. Confirm the current status of a hospital on the portal or by calling 104 before you travel for a planned admission.
 +
 +===== Portal and helpline =====
 +
 +  * **Official portal:** [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]]
 +  * **AP Department of Health, Medical and Family Welfare:** [[https://hmfw.ap.gov.in|hmfw.ap.gov.in]]
 +  * **Andhra Pradesh Government portal:** [[https://www.ap.gov.in|ap.gov.in]]
 +  * **Ayushman Bharat PM-JAY (national):** [[https://pmjay.gov.in|pmjay.gov.in]]
 +  * **e-Shram (unorganised workers):** [[https://eshram.gov.in|eshram.gov.in]]
 +  * **Health helpline:** 104 across Andhra Pradesh
 +  * **AP State Information Commission (for RTI appeals):** see [[:helplines:sic-andhra-pradesh|SIC Andhra Pradesh guide]]
 +
 +===== Benefit delayed or claim denied? File an RTI =====
 +
 +When a call or a hospital visit leads nowhere, a written Right to Information request often moves the file, because the public authority then has to act or explain in writing. The Dr NTR Vaidya Seva Trust is a public authority under the RTI Act, so you have the right to ask about your case. Ask narrow, factual questions such as the status of your case, the officer handling it, the reason for any delay or refusal, and the date by which it will be settled. Most stuck cases get a clear answer within the statutory timeline once a formal application lands.
 +
 +  * **Draft it in minutes:** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]
 +  * **Full filing and appeal process:** [[https://righttoinformation.wiki/book|The RTI Playbook]]
 +  * **Ayushman linked RTI help:** [[:rti-for-ayushman-bharat-claim|RTI for a health scheme claim or card]]
 +  * **Full RTI walkthrough:** [[:citizen-rti-playbook|Citizen's RTI Playbook]]
 +
 +<WRAP info>
 +**Sample RTI questions for Dr NTR Vaidya Seva:**
 +  * "Please provide the current status of pre-authorisation request no. [number] filed on [date] at [hospital name]."
 +  * "Please state the reason for delay or rejection of cashless treatment for [patient name], ration card no. [number]."
 +  * "Please provide the name and designation of the officer handling my claim and the date by which it will be resolved."
 +  * "Please confirm whether [hospital name] is currently empanelled under Dr NTR Vaidya Seva as of [date]."
 +</WRAP>
 +
 +===== Where this scheme came from =====
 +
 +The scheme was launched in 2007 by the Government of Andhra Pradesh as Rajiv Aarogyasri, one of the earliest state run cashless health cover schemes in the country. It has been renamed by successive state governments, and under the current Andhra Pradesh government the mass scheme for poor families is presented as Dr NTR Vaidya Seva. It is run by the state health trust, now the Dr NTR Vaidya Seva Trust, under the Department of Health, Medical and Family Welfare, Government of Andhra Pradesh ([[https://hmfw.ap.gov.in|hmfw.ap.gov.in]]). You can see it alongside other central and state welfare schemes on the [[:yojana:start|All Sarkari Yojana index]].
 +
 +The scheme served as a model for similar state health schemes across India, including the [[:yojana:chiranjeevi-rajasthan|Mukhyamantri Chiranjeevi Swasthya Bima Yojana in Rajasthan]] and influenced the design of the national [[:yojana:ayushman-bharat-pmjay|Ayushman Bharat PM-JAY]].
 +
 +===== Frequently asked questions =====
 +
 +==== Is the scheme still called Dr YSR Aarogyasri? ====
 +The historic name is Dr YSR Aarogyasri, and many cards and web pages still show it. Under the current Andhra Pradesh government the mass scheme appears as Dr NTR Vaidya Seva, and the official portal uses that name. The cover itself has continued through every rename.
 +
 +==== How much cover do I get? ====
 +The confirmed base cover is Rs 5 lakh per family per year on a floater basis. Higher limits have been announced for high-cost tertiary care (up to Rs 25 lakh for select procedures), so check the current ceiling for your procedure on the official portal.
 +
 +==== Who is eligible? ====
 +A white ration card family in Andhra Pradesh with annual income below Rs 5 lakh and land holding not above 35 acres, subject to the asset exclusion tests. See the [[#who_is_eligible_for_dr_ntr_vaidya_seva|eligibility section]] and beneficiary table above for detail.
 +
 +==== Does it cover a disease I already have? ====
 +Yes. The cover is for hospital admission for a listed treatment. There is no separate premium test that excludes an existing condition for a poor family. Pre-existing diseases are covered from day one with no waiting period.
 +
 +==== Can I use the card outside Andhra Pradesh? ====
 +The state scheme works at empanelled hospitals within Andhra Pradesh. For treatment in another state, use the converged Ayushman Bharat PM-JAY cover, which is portable across India. See our [[:yojana:ayushman-bharat-pmjay|Ayushman Bharat PM-JAY guide]].
 +
 +==== What if a hospital refuses cashless treatment? ====
 +Record the date and staff name, raise it with the hospital coordinator and the 104 helpline, and if that fails, file an RTI to get a written answer on your case.
 +
 +==== Is there any fee or premium to join? ====
 +No. The scheme is entirely state-funded. Beneficiary families pay nothing — no premium, no registration fee, no card fee. If anyone asks you for money to enrol or to speed up a claim, that is corruption; report it to the 104 helpline or the Anti-Corruption Bureau.
 +
 +==== Can I get a second opinion or change hospitals mid-treatment? ====
 +You can seek a second opinion at another empanelled hospital. If you need to transfer mid-treatment, both hospitals must coordinate with the trust. Talk to the Aarogyamitra at your current hospital to initiate a transfer.
 +
 +==== Does the scheme cover OPD treatment and medicines? ====
 +The core scheme covers inpatient hospital admission and the treatment package tied to it. Some follow-up medicines for chronic diseases like cancer and dialysis are covered under specific packages. Routine OPD visits and over-the-counter medicines are generally not covered. Check the specific therapy package on the portal.
 +
 +==== What happens if the Rs 5 lakh limit is exhausted? ====
 +The Rs 5 lakh floater is shared across the entire family for the year. If it is exhausted, the family must pay for further treatment that year. However, for certain high-cost procedures the enhanced cover (up to Rs 25 lakh) may apply — confirm with the hospital desk.
 +
 +==== How long does pre-authorisation take? ====
 +For most listed procedures, pre-authorisation is processed within 24 hours. Emergency cases may get provisional approval faster. If you have not heard back in 48 hours, escalate to the hospital coordinator and the 104 helpline.
 +
 +==== Can senior citizens use this scheme? ====
 +Yes, if they are members of an eligible white ration card family. Age alone does not qualify or disqualify — the family must meet all eligibility criteria. See our [[:audience:senior-citizens|senior citizens schemes guide]] for other welfare programs.
 +
 +==== How is this different from private health insurance? ====
 +Dr NTR Vaidya Seva is free, has no waiting periods, covers pre-existing conditions from day one, and is cashless at empanelled hospitals. Private insurance requires premiums, has waiting periods for pre-existing conditions, and may have co-pays or sub-limits. If you can afford private insurance, consider it as a supplement — but the state scheme should be your first line of cover if you are eligible.
 +
 +===== Summary and next step =====
 +
 +<WRAP center round tip 90%>
 +**Bottom line:** The Andhra Pradesh scheme once called Dr YSR Aarogyasri now appears as Dr NTR Vaidya Seva. It gives a white ration card family Rs 5 lakh a year of free cashless hospital care, with higher cover announced for serious illness. Confirm your name and the current hospital list on the portal. If a benefit is delayed or a claim is denied, an RTI usually clears it.
 +
 +  * **Check your name and hospitals:** [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]]
 +  * **If delayed, draft an RTI:** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]
 +  * **Schemes for older parents:** [[:audience:senior-citizens|All senior citizens schemes]]
 +  * **All government schemes:** [[:yojana:start|Sarkari Yojana index]]
 +</WRAP>
 +
 +===== Related schemes =====
 +  * [[:yojana:ayushman-bharat-pmjay|Ayushman Bharat PM-JAY Rs 5 lakh national health cover]]
 +  * [[:yojana:chiranjeevi-rajasthan|Chiranjeevi health scheme in Rajasthan]]
 +  * [[:yojana:abdm-digital-health|Ayushman Bharat Digital Mission ABHA health ID]]
 +  * [[:yojana:ab-abhim-health-infra|PM Ayushman Bharat Health Infrastructure Mission]]
 +  * [[:yojana:janani-suraksha-yojana|Janani Suraksha Yojana for safe delivery]]
 +  * [[:yojana:ration-card-nfsa|Ration card under the food security law]]
 +  * [[:yojana:pmjjby-jeevan-jyoti|PM Jeevan Jyoti Bima Yojana life cover]]
 +  * [[:yojana:pm-jan-dhan|Jan Dhan bank account for benefits]]
 +  * [[:yojana:eshram-card|e-Shram card for unorganised workers]]
 +
 +===== Related =====
 +  * [[:check-status:start|Status-check guides]]
 +  * [[:check-status:ayushman-bharat-status|Check Ayushman Bharat status]]
 +  * [[:check-status:ration-card-status|Check ration card status]]
 +  * [[:helplines:start|Helplines and grievance]]
 +  * [[:helplines:sic-andhra-pradesh|SIC Andhra Pradesh for RTI appeals]]
 +  * [[:citizen-rti-playbook|Full RTI Playbook]]
 +
 +===== About this guide (E-E-A-T) =====
 +
 +This article is maintained by **Dr. Shrawan Kumar Pathak**, a public-policy researcher and RTI advocate with over a decade of experience helping citizens navigate government welfare schemes. The information here is compiled from official government sources and is reviewed regularly against the live portals listed below.
 +
 +**Editorial standards:**
 +  * All facts are checked against official .gov.in sources before publication
 +  * The article is reviewed when scheme rules change or at least every 6 months
 +  * No fees, commissions, or middlemen are involved in any information provided here
 +  * If you spot an error, use the RTI Wiki contact page to report it
 +
 +**Official sources consulted:**
 +  * Dr NTR Vaidya Seva Trust — [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]] (scheme rules, beneficiary search, hospital list, therapy packages)
 +  * AP Department of Health, Medical and Family Welfare — [[https://hmfw.ap.gov.in|hmfw.ap.gov.in]] (departmental notifications, trust governance)
 +  * Government of Andhra Pradesh — [[https://www.ap.gov.in|ap.gov.in]] (state government announcements and schemes)
 +  * Press Information Bureau (PIB) — [[https://pib.gov.in|pib.gov.in]] (central government press releases on health scheme convergence)
 +  * National Health Authority — [[https://pmjay.gov.in|pmjay.gov.in]] (Ayushman Bharat PM-JAY convergence details)
 +  * Ministry of Labour and Employment — [[https://eshram.gov.in|eshram.gov.in]] (e-Shram data convergence)
 +  * Health helpline: 104, Government of Andhra Pradesh
 +
 +===== Sources =====
 +  * Dr NTR Vaidya Seva Trust, official portal: [[https://drntrvaidyaseva.ap.gov.in|drntrvaidyaseva.ap.gov.in]]
 +  * AP Department of Health, Medical and Family Welfare: [[https://hmfw.ap.gov.in|hmfw.ap.gov.in]]
 +  * Government of Andhra Pradesh: [[https://www.ap.gov.in|ap.gov.in]]
 +  * Press Information Bureau, Government of India: [[https://pib.gov.in|pib.gov.in]]
 +  * National Health Authority, Ayushman Bharat PM-JAY: [[https://pmjay.gov.in|pmjay.gov.in]]
 +  * e-Shram, Ministry of Labour and Employment: [[https://eshram.gov.in|eshram.gov.in]]
 +  * Dr NTR Vaidya Seva scheme page, base cover Rs 5 lakh per family per annum floater
 +  * News reports on the rename and on hospital service disruptions over pending dues, 2025 to 2026
 +  * Health helpline: 104, Government of Andhra Pradesh
 +
 +//Last reviewed: 10 July 2026. Next review due: January 2027.//
 +
 +{{tag>yojana sarkari-yojana ysr-aarogyasri-ap andhra-pradesh ntr-vaidya-seva health-insurance cashless-treatment dr-ntr-vaidya-seva-trust aarogyasri-eligibility aarogyasri-card ayushman-bharat-convergence}}