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A diverse group of hands collectively holding the best health membership card from East Godavari, symbolizing community support

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.

logo for the best health membership program in east godavari

Ayuvu Bharosa

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

Ayuvu Bharosa Best health membership program in East Godavari filling Gaps in rural healthcare.
  • Lack of critical care & super speciality services.
  • Low emphasis on preventive care.
  • Limited public health awareness.
  • Limited Telemedicine services.
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Woman working in farm at Konaseema needing Best health membership program in East Godavari
  • 60-70% of households relying on agriculture for income.
  • High burden of chronic diseases and infectious diseases.
  • 3rd Party Providers uptake is below 15%
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How Ayuvu Bharosa Addressed and What did Ayuvu Bharosa Address

Super speciality services offered by the Best health membership program in East Godavari explaining by critial care specialists
  • Better critical care services through specialists.
  • Good number of beds.
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Women volunteers explaining about the top health membership program in East Godavari to Konaseema Women
  • Insufficient coverage & caps.
  • Complex claim processes.
  • Low emphasis on preventive care.
  • Lack of coverage for non-communicable diseases.
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Objectives of Ayuvu Bharosa

A woman sitting under a tree, surrounded by several women, promoting a top health membership program in East Godavari

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)
three doctors explaining to three ladies in a hospital about the best health membership program in east godavari

Financial Protection

  • Extensive Coverage
  • Range of Packages
  • No waiting Period

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

Happy doctor treating at the

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
ServiceAyuvu Bharosa
Avasyaka		Ayuvu Bharosa
Adarsha		Ayuvu Bharosa
Vajra
General PractitionerUnlimitedUnlimitedUnlimited
Speciality1 per person/year1 department/per person/year1 department/per person/year
Super Speciality2/year2/year2/year
Dentist2/year2/year2/year
Physiotherapist2/year2/year2/year
ServicesAyuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
Free RegistrationFreeFreeFree
ServicesAyuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
No pre-existing disease100% discount.100% discount.100% discount.
With pre-existing disease60 to 75% discount60 to 75% discount60 to 75% discount
For those who are eligible for 60% discountIn 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 AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
30% discount50% discount50% discount
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
20% discount20% discount20% discount
ServicesAyuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
On-boarding at home✔✔✔
Free home sample collection✔✔✔
Free home delivery of medicine✔✔✔
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
✔✔✔
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
✔✔✔
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
X✔✔
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
XX✔
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
XX✔
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
XXMonitoring through Prorithm, Smart ring like devices
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
XXTwice a year
Ayuvu Bharosa AvasyakaAyuvu Bharosa AdarshaAyuvu Bharosa Vajra
Departments of Ophthalmology and Dental are also coveredDepartments of Ophthalmology and Dental are also coveredDepartments of Ophthalmology and Dental are also covered
View Exclusions

Compare with Insurance & Health Schemes

FeaturesHealth InsuranceAarogyasriAyuvu Bharosa
Target AudienceAnyone who can pay premiumsBPL families in Andhra Pradesh and TelanganaKonaseema population
Funding SourcePolicyholders’ premiumsState government fundedCR Trust
PremiumsPaid by policyholdersNo premium for beneficiariesPaid by CR Trust
CoverageBroad range of healthcare servicesBroad range of healthcare servicesComprehensive Coverage
Network HospitalsNetwork & non-network hospitals (with reimbursement option)Limited to serious/major illnesses requiring hospitalization25 Units & growing + Homecare
EligibilityBased on premium paymentsEmpanelled government & private hospitalsMembership fee
Claim ProcessCashless treatment or reimbursementAutomatically eligible for BPL familiesCashless
Limitationsco-payments, exclusions, waiting periods, sum insured limitsCashless treatment (government pays hospital directly)Minimal or no waiting period, Co-payment only for risk categories, no deductibles

Steps to apply for Ayuvu Bharosa

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Enrollment

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Onboarding

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Benefits & Services

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Submission

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Health Partners

MedUnited Hospitals as the partner hospital for the top health membership program in east godavari
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KIMS Konaseema Hospitals as the partner hospital for the top health membership program in east godavari
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Five branches of Ayuvu Bharosa, the Best Family Health Insurance in Konaseema, showcasing healthcare services, membership structure, and support system

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list of services excluded for the ayuvubharosa membership program
  • Expenses related to surgical treatment for obesity.
  • Admission primarily for enforced bed rest rather than for receiving treatment.
  • Admission primarily for diagnostic and evaluation purposes.
  • Organ Transplantation
  • Sterility, Infertility & Assisted Conception
  • Injury or illness associated with hazardous activity
  • Diagnostic expenses not related to current diagnosis and treatment
  • Gender transition treatment.
  • Brain tumour surgeries
  • Cosmetic Surgeries & Cosmetic Dentistry
Enrollment process to get into the Best health membership program in East Godavari
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onboarding process to get into the best health membership program in East Godavari
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