Universal Health Coverage for All Residents of Karnataka.
Welcome to the complete guide for the Ayushman Bharat - Arogya Karnataka (AB-ArK) scheme. This integrated program combines the central PMJAY with the state's own health plan to provide health coverage to all residents of Karnataka. This page provides district-wise links to find empanelled hospitals in Bengaluru, Mysuru, and Mangaluru, and explains the unique benefits for both BPL and APL families.
Click on your district from the list below to find all the empanelled government and private hospitals near you where you can use your AB-ArK Health Card for cashless or subsidized treatment.
The AB-ArK scheme is a unique, tiered health plan for all residents of Karnataka. It divides the population into two groups: 'Entitled' and 'General' households.
'Entitled' households (PMJAY beneficiaries, BPL card holders) receive a completely free and cashless health cover of up to ₹5 lakh per family per year. 'General' households (all other residents) receive benefits at government-subsidized package rates at empanelled hospitals, meaning they pay only a fraction of the actual cost for treatments. The scheme requires a referral from a public hospital to avail benefits at a private hospital, except in emergencies.
This model ensures that while the most vulnerable are fully protected, every citizen of Karnataka receives significant financial relief from high medical expenses. The scheme is managed by the Suvarna Arogya Suraksha Trust (SAST) under the Government of Karnataka.
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AB-ArK is the integrated health insurance scheme of Karnataka, which combines the central PMJAY with the state's Arogya Karnataka scheme. It provides health coverage to ALL residents of the state through a tiered benefit model.
Yes, absolutely. As a 'General' category beneficiary, you are entitled to treatment at government-subsidized rates at empanelled hospitals. This means the government pays a significant portion of the bill, and you pay the balance, which is much lower than the standard hospital rates.
The AB-ArK Health Card is a co-branded card required to avail benefits under the scheme. You can get this card generated at the kiosk of any empanelled public hospital by providing your Aadhaar card and your ration card (if available).
Yes, premier government institutions like the National Institute of Mental Health and Neuro-Sciences (NIMHANS), Kidwai Memorial Institute of Oncology, and Jayadeva Institute of Cardiovascular Sciences are empanelled under the AB-ArK scheme.
Under the AB-ArK scheme, patients must first seek treatment at a public/government hospital. If the required treatment is not available there, they will be officially referred to an empanelled private hospital to avail the cashless/subsidized benefit. This referral is not required for medical emergencies.