Ayuvu
Bharosa
Ayuvu Bharosa
CR Trust introduced 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 be about staying healthy, not worrying about how to pay for it. With Ayuvu Bharosa you get access to the best medical care, protection against high healthcare expenses, and a preventive approach that keeps you healthier, longer.”
Included
Additional
“Your health is our priority, and your expenses are our responsibility.”
“We ensure Continuum of care with team of specialists working
together for comprehensive treatment plans”
| 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 n 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 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 |
| 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 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 |
| 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 |
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.
