Ayuvu Bharosa

Our mission is to deliver comprehensive care, ensure financial protection and implement prevention strategies to support your health and minimize the risk of complications.

Ayuvu Bharosa

CR Trust launched Ayuvu Bharosa to address the healthcare needs of the Konaseema community. This program was designed to provide accessible and holistic healthcare, with a strong emphasis on early detection, preventive care, and overall well-being.

“Healthcare should focus on keeping you healthy, without the worry of how to afford it. With Ayuvu Bharosa you get access to the best medical care, protection against high healthcare expenses and a preventive approach that helps you lead a long and healthy life.”

Gaps in Rural Healthcare and Konaseema Scenario

Lack of critical care & super speciality services.
Low emphasis on preventive care.
Limited public health awareness.
Limited Telemedicine services.
Low digital literacy.
Absence of rehabilitation services.
High burden of chronic illness.
73% of people lacking access to affordable & quality healthcare.
63% of individuals pay for medical expenses out of their own pockets.
Nearly 90% of people are not covered by insurance.

60-70% of households relying on agriculture for income.
High burden of chronic diseases and infectious diseases.
3rd Party Providers uptake is below 15%
Preventive care services are minimal.
Vaccination rates are below state average.
Mental health services are almost non-existent.

How Ayuvu Bharosa Addressed and What did Ayuvu Bharosa Address

Better critical care services through specialists.
Good number of beds.
Dedicated command centre.
Access to super speciality services, including both in-person and teleconsultations.
Continuum of care from prevention to rehabilitation.
Wide coverage of healthcare costs with minimal fee and exclusions.

Insufficient coverage & caps.
Complex claim processes.
Low emphasis on preventive care.
Lack of coverage for non-communicable diseases.
Low awareness & limited accessibility.
High rejection rates.
No coverage for post-operative and rehabilitation care.
Lack of transparency.

Objectives of AyuvuBharosa

Prevention

Included

Risk Analysis & Risk Score
Consultation & Counselling
Enrolment in Preventive Health Program
Health Monitoring (Wearable Devices & Command Centre)
Sign-up on health apps (Symptom Analyser/SOS- Emergency)

Additional

Vaccination (Child & Adult)
Genetic Testing (one free consultation)
Lifestyle Modifications
Screening
Nutritional Guidance (one free consultation)

Financial Protection

Extensive Coverage
Range of Packages
No waiting Period

“Your health is our priority, and your expenses are our responsibility.”

Best Medical Care

Specialized Expertise
Prevention to Rehabilitation
Healthcare Apps – SOS-Emergency , Symptom Analyser
Integrated Medical Records
Proactive monitoring through wearable devices and command centre.
Seamless transition of care (hospital to homecare)
Ongoing follow-up and long-term management

“We ensure Continuum of care with team of specialists working
together for comprehensive treatment plans”

Member Benefits

Vertical Tabs with Tables

Service	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
General Practitioner	Unlimited	Unlimited	Unlimited
Speciality	1 per person/year	1 department/per person/year	1 department/per person/year
Super Speciality	2/year	2/year	2/year
Dentist	2/year	2/year	2/year
Physiotherapist	2/year	2/year	2/year

Services	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
Free Registration	Free	Free	Free

Services	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
No pre-existing disease	100% discount	100% discount	100% discount
With pre-existing disease	60 to 75% discount	60 to 75% discount	60 to 75% discount
For those who are eligible for 60% discount	In second year they can avail 75% discount (based on health score)	In second year they can avail 75% discount (based on health score)	In second year they can avail 75% discount (based on health score)

Note** Discount excluding non-payables and second year they can avail 75% discount (based on health score)

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
50% discount	50% discount	50% discount

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
20% discount	20% discount	20% discount

Services	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
On-boarding at home	✔	✔	✔
Free home sample collection	✔	✔	✔
Free home delivery of medicine	✔	✔	✔

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
✔	✔	✔

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
✔	✔	✔

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	✔	✔

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X	✔

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X	✔

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X	Monitoring through devices like Prorithm, Smart ring.

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X	Twice a year

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
Departments of Ophthalmology and Dental are also covered	Departments of Ophthalmology and Dental are also covered	Departments of Ophthalmology and Dental are also covered

Free Consultation

Service	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
General Practitioner	Unlimited	Unlimited	Unlimited
Speciality	1 per person/year	1 department/per person/year	1 department/per person/year
Super Speciality	2/year	2/year	2/year
Dentist	2/year	2/year	2/year
Physiotherapist	2/year	2/year	2/year

Free Registration

Services	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
Free Registration	Free	Free	Free

Services	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
No pre-existing disease	100% discount.	100% discount.	100% discount.
With pre-existing disease	60 to 75% discount	60 to 75% discount	60 to 75% discount
For those who are eligible for 60% discount	In second year they can avail 75% discount (based on health score)	In second year they can avail 75% discount (based on health score)	In second year they can avail 75% discount (based on health score)

Note** Discount excluding non-payables n second year they can avail 75% discount (based on health score)

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
30% discount	50% discount	50% discount

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
20% discount	20% discount	20% discount

Services	Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
On-boarding at home
Free home sample collection
Free home delivery of medicine

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X	Monitoring through Prorithm, Smart ring like devices

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
X	X	Twice a year

Ayuvu Bharosa Avasyaka	Ayuvu Bharosa Adarsha	Ayuvu Bharosa Vajra
Departments of Ophthalmology and Dental are also covered	Departments of Ophthalmology and Dental are also covered	Departments of Ophthalmology and Dental are also covered

Compare with Insurance & Health Schemes

Features	Health Insurance	Aarogyasri	AyuvuBharosa
Target Audience	Anyone who can pay premiums	BPL families in Andhra Pradesh and Telangana	Konaseema population
Funding Source	Policyholders’ premiums	State government funded	CR Trust
Premiums	Paid by policyholders	No premium for beneficiaries	Paid by CR Trust
Coverage	Broad range of healthcare services	Broad range of healthcare services	Comprehensive Coverage
Network Hospitals	Network & non-network hospitals (with reimbursement option)	Limited to serious/major illnesses requiring hospitalization	25 Units & growing + Homecare
Eligibility	Based on premium payments	Empanelled government & private hospitals	Membership fee
Claim Process	Cashless treatment or reimbursement	Automatically eligible for BPL families	Cashless
Limitations	co-payments, exclusions, waiting periods, sum insured limits	Cashless treatment (government pays hospital directly)	Minimal or no waiting period, Co-payment only for risk categories, no deductibles