Karnataka Ayushman Arogya Karnataka (AB-ArK) Hospital List 2025

Karnataka Ayushman Bharat Arogya Karnataka (AB-ArK) Hospital List 2025

The state of Karnataka has implemented a comprehensive and inclusive healthcare system by merging the central government's Ayushman Bharat (PMJAY) with its own state health scheme to create the Ayushman Bharat – Arogya Karnataka (AB-ArK) scheme. This powerful initiative is designed to provide health coverage to **all residents of the state** through a unique tiered-benefit model, ensuring that everyone has a safety net against major health expenses.

This detailed 2025 guide provides the official list of all empanelled public and private hospitals under the AB-ArK scheme. Whether you are in major technology hubs like Bengaluru, cultural centers like Mysuru, or any other district such as Mangaluru, Hubballi, or Belagavi, you can access quality healthcare at premier institutions.

AB-ArK: Karnataka's Tiered Universal Health Model

Understanding Karnataka's tiered model is key to knowing your benefits. The scheme divides the state's population into two categories:

• "Entitled" Households: This category includes families covered under the national PMJAY criteria (from the SECC 2011 list) as well as BPL and other eligible ration card holders. They receive a free, completely cashless health cover of up to ₹5 lakh per family per year.
• "General" Households: This category includes **every other resident of Karnataka** not covered above (i.e., APL card holders and those without ration cards). They are also entitled to benefits, but on a co-payment basis. The government provides a subsidized package rate for treatments at empanelled private hospitals, covering a significant portion of the cost, while the patient pays the remaining amount.

This innovative model ensures that while the most vulnerable get free care, all other citizens also receive substantial financial support for medical treatments.

How to Find a Network Hospital in Karnataka

The state has a wide network of empanelled hospitals, including premier government institutions and numerous private multi-speciality hospitals. To find a facility near you:

1. Visit the official PMJAY Hospital Search Portal.
2. In the 'State' dropdown menu, select 'Karnataka'.
3. Choose your 'District' from the list (e.g., Bengaluru Urban, Mysuru).
4. Enter the Captcha and click 'Search' to view the full list of approved hospitals.

At each network hospital, a dedicated "Arogya Mitra" helpdesk is available to assist you with eligibility checks and the cashless/co-payment process. For assistance, you can call the state helpline at 1800-425-8330 or the national line at 14555.

Eligibility Criteria and Core Benefits

Who is Eligible in Karnataka?

Eligibility under the AB-ArK scheme is universal for residents of Karnataka:

• "Entitled" (Full Benefit): Families identified in the SECC 2011 database and families holding BPL, Annapoorna, or Antyodaya ration cards.
• "General" (Co-payment Benefit): All other families who are residents of Karnataka, including APL ration card holders and those without ration cards.

To avail benefits, every resident needs an AB-ArK Health Card, which can be generated at empanelled hospitals.

The Key Benefits of the AB-ArK Scheme

1. Tiered Financial Protection: Full ₹5 lakh cashless cover for entitled families and substantial government-subsidized rates for general families, ensuring protection for everyone.
2. Universal Coverage for Residents: The scheme is unique in that it includes every single resident of the state, making it truly universal.
3. Access to Super-Speciality Hospitals: The scheme provides access to some of the country's best hospitals, especially in Bengaluru, for complex procedures.
4. Pre-existing Diseases Covered: All pre-existing conditions are covered from day one for all beneficiaries.
5. National Portability for Entitled Beneficiaries: PMJAY beneficiaries from Karnataka can avail cashless treatment at any empanelled hospital across India.

Frequently Asked Questions (FAQs)