Ayuvu Bharosa is a one-of-a-kind healthcare membership program that supports individuals at every stage of their health journey—from prevention and treatment to rehabilitation—while also covering healthcare expenses.
Ayuvu Bharosa is a distinctive and exclusive health membership program designed to cater to all your healthcare needs. Unlike traditional insurance, which operates on an incidental and reactive basis, Ayuvu Bharosa adopts a continuous and proactive approach to managing your health.
Ayuvu Bharosa is designed to be a continuous companion for your health journey, ensuring overall well-being, while health insurance acts as a safety net for unexpected medical expenses.
Here are some differences for better understanding:
Aspect | Ayuvu Bharosa | Health Insurance |
Approach | Proactive and continuous care | Reactive and event-based coverage |
Focus | Comprehensive health management (prevention to rehabilitation) | Covers treatment costs after health issues arise |
Services Covered | Includes preventive check-ups, health consultations, wellness programs, and rehabilitation | Primarily covers hospitalizations and medical expenses |
Coverage Timing | Focuses on maintaining health before illness occurs | Kicks in only after an incident or illness |
Personalization | Tailored health plans based on individual needs | Standardized policies with limited customization |
Access to Care | Facilitates ongoing access to healthcare services | Limited to claims for specific medical events |
Membership Benefits | Covers wellness, preventive care, and chronic care management | Primarily reimbursing medical expenses |
Goal | Aims to prevent illnesses and ensure holistic health | Aims to mitigate financial burden during illness |
Ayuvu Bharosa is a visionary initiative by Sri Chaitanya Raju gaaru, brought to life through CR Trust, with the noble mission of fostering health, education, and empowerment for all.
CR Trust ensures complete transparency by making all transactions related to the Ayuvu Bharosa program publicly accessible, reflecting its commitment to accountability and trust.
The mission of CR Trust is to create a world where everyone has access to quality healthcare, diseases are detected early and prevented from developing, and physical, social, and mental well-being are given equal importance.
The vision is to prioritize holistic health and build a society that values comprehensive and preventive care.
Access quality healthcare at Konaseema Institute of Medical Sciences and Research (KIMS), along with 25 MedUnited hospitals, with more locations coming soon.
Yes, you can avail Ayuvu Bharosa services outside Konaseema in the upcoming clusters and partner hospitals. This expansion ensures that members have access to quality healthcare services across a broader geographic area as the network grows.
Any adult can enroll in this program. Based on an initial evaluation and judgement of the onboarding physician certain terms and conditions shall be set forth.
Yes, pre-existing conditions are covered under the Ayuvu Bharosa program. This inclusive approach ensures that members receive comprehensive healthcare support, regardless of their medical history, promoting equitable access to necessary treatments and services.
There is no waiting period. However, the discount offered on healthcare services may vary depending on the specific condition. Discounts typically range from 60% to 75%, determined by:
· The nature and severity of the pre-existing condition.
· The judgment and assessment of the onboarding physician.
This ensures fair and personalized support while maintaining the program's affordability and sustainability.
As explained earlier, this membership helps in preventing illnesses and ensuring holistic health than merely covering the costs.
So, this can be your second layer of protection which subsequently can become your primary shield.
Since you already have an insurance policy, to reduce the financial burden we offer a discount of up to 60% on this membership.
If you develop a condition, like diabetes, after enrolling in the AyuvuBharosa program, there will be no impact on your membership. The program continues to provide coverage, and since there is no waiting period, you will immediately be enrolled in a preventive program tailored to help manage the condition and reduce its impact on your health.
This approach ensures that you receive continuous support, focusing on prevention, early intervention, and maintaining overall well-being.
There is no direct co-pay for members under the Ayuvu Bharosa program. However, for individuals with certain pre-existing or special conditions, the discount may be reduced to up to 60%, depending on the condition and the judgment of the onboarding physician.
No, the co-pay or reduction in the discount applies only to the member with the pre-existing condition. It does not affect other family members covered under the Ayuvu Bharosa program, ensuring they continue to receive the full benefits without any additional financial burden due to the condition of one member.
Ayuvu Bharosa program ensures that all listed services will be provided. Additionally, the program will notify members of any updates or changes to the services offered across partner hospitals, ensuring that you remain informed about the available healthcare options.
You cannot do a top-up or increase your coverage mid-term while availing a service or after the service has been provided. However, you can make use of the lifetime buffer provided by the program. This buffer serves as additional support, but no enhancements or changes can be made to your coverage during the membership period.
You will have the following benefits as a member:
1. Outpatient
2. Diagnostics
3. Pharmacy
4. Homecare
5. Inpatient
6. Coverage
7. Costs
8. Other benefits
9. Unique benefits
The following conditions are excluded from the membership:
No, Ayuvu Bharosa memberships are non-transferable. Each membership is uniquely assigned to an individual and cannot be transferred to another person. This ensures that the program's benefits and services are personalized and exclusively catered to the enrolled member.
The AyuvuBharosa program provides a fully cashless facility for all covered services. Members do not need to pay out-of-pocket upfront for eligible treatments or services at partner hospitals, ensuring a seamless and convenient experience.
The Ayuvu Bharosa program provides 100% maximum coverage on the bill for eligible services. In cases where there are certain conditions or limitations, the program ensures a minimum coverage of 60%, helping to reduce your financial burden significantly.
There is no rejection of membership based on test results or pre-existing conditions under the Ayuvu Bharosa program. The program is designed to be inclusive, and members are supported regardless of their medical history. Instead of rejection, you may be enrolled in a preventive program or offered appropriate coverage based on your specific health needs.
Am I required to undergo any medical tests to qualify for the membership?
Yes, undergoing medical tests is part of the eligibility process for the Ayuvu Bharosa membership. These tests assess your current health status and enable the program to provide tailored preventive care and coverage.
If you choose not to undergo the required medical tests, your discount on the Ayuvu Bharosa membership will be reduced to 60%. These tests are crucial for assessing your health status and tailoring appropriate coverage, so opting out may lead to a reduced discount due to the absence of detailed health information.
The required medical tests for the AyuvuBharosa membership will be conducted by MedUnited Hospitals. These tests can be performed either at one of their facilities or on a homecare basis, offering members convenience and flexibility.
If the AyuvuBharosa membership program is discontinued within the year or even a year after your enrollment, all commitments made by the program will still be honoured. This ensures you continue to receive the healthcare services and benefits you are entitled to.
You can include a new family member in the Ayuvu Bharosa program by paying an additional fee as per the program's rate chart. The fee will depend on the member's age and other factors, and the updated coverage will be provided to the newly added family member.
In the event of the demise of a family member, the next membership fee for the Ayuvu Bharosa program will be revised based on the updated list of members. This means that the fee will be adjusted according to the remaining family members covered under the program.
In the Ayuvu Bharosa program, price changes in hospital services during your membership tenure are typically applied based on the pricing cycle and the date of the claim. Here’s how it works:
This approach ensures transparency and fairness while reflecting current market conditions. For specific terms related to your membership, we recommend reaching out to the Ayuvu Bharosa support team for clarification.
Claims under the Ayuvu Bharosa program are designed to have minimal chances of rejection. However, they may be denied under specific circumstances, such as:
If a claim is rejected, the member will be notified with a detailed explanation of the reasons. The program prioritizes transparency and ensures that legitimate claims are processed efficiently. In case of concerns or disputes, a review or appeals process may be available to address the issue.
The AyuvuBharosa program is offered at a low cost due to the following key factors:
These strategies ensure efficient use of resources, providing comprehensive healthcare coverage while keeping costs affordable for members.
The AyuvuBharosa program includes only those medicines that are thoroughly evaluated and recommended by its expert consultants. This ensures:
This approach prioritizes the health and trust of members over generic or cost-based inclusions alone.
