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:

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, 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:

a. Outpatient
   i. One free Specialist Doctor Consultation (GM, Paediatrics, Obstetrics & Gynaecology)
   ii. Two free Dentist consultations
   iii. Two free Physiotherapist consultations
   iv. Free Registration
   v. Two free GP consultations
b. Diagnostics
   i. Up to 75% discount on diagnostics
c. Pharmacy
   i. Up to 20% discount on medicines
d. Homecare
   i. Onboarding at home
   ii. Free home sample collection
   iii. Free home delivery of medicines
   iv. Monitoring at home (for wearable devices
e. Inpatient
   i. Comprehensive coverage for wide range of plans
   ii. One ambulance service for reaching hospital
f. Coverage
   i. 0-75yrs
   ii. From day 1
   iii. Covers pre-existing conditions
   iv. Covers everything other can exclusions
g. Costs
   i. Pre-hospitalization expenses (Doctor consultation, diagnostic tests)
   ii. Post-hospitalization expenses [Follow up consultation and diagnostic tests (as per package)]
h. Other benefits
   i. No incidental charges
   ii. Clarity on out-of-pocket expenses
   iii. Membership fee chart
   iv. Clear & Specific exclusions
i. Unique benefits
   i. Dental
   ii. Ophthalmology

The following conditions are excluded from the membership:

1. 1. Experimental treatments
   2. Injury or illness associated with hazardous activity
   3. Admission for primarily for diagnostic and evaluation purposes
   4. Diagnostic expenses not related to current diagnosis and treatment
   5. Admission primarily for enforced bed rest and not for receiving treatment
   6. Change in gender treatment
   7. Expenses related to the surgical treatment of obesity 

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 Ayuvu Bharosa program offers a 100% cashless facility for all covered services. This means that members do not need to pay out-of-pocket upfront for eligible treatments or services at partner hospitals, making the process seamless and convenient.

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.

Yes, you are required to undergo medical tests as part of the eligibility process for the Ayuvu Bharosa membership. These tests help in evaluating your current health status and allow the program to tailor appropriate preventive care and coverage for you.

If you choose not to undergo the required medical tests, your discount on the Ayuvu Bharosa membership will be reduced to 60%. The tests are essential for evaluating your health status and determining the appropriate coverage, so opting out may result in a lower discount to account for the lack of detailed health information.

The required medical tests for the Ayuvu Bharosa membership will be conducted by MedUnited Hospitals. These tests can be done either on a homecare basis or at one of their facilities, providing convenience and flexibility for members.

Even if we decide to stop the Ayuvu Bharosa membership within the year or even a year after enrollment, all commitments made by the program will still be fulfilled. This ensures that you 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, any price changes in hospital services during the membership tenure are typically applied based on the pricing cycle and the day of the claim. This means: 

1. Pricing Cycle: The program might have predetermined pricing cycles that reflect periodic updates or changes in service charges.
2.  Day of Claim: The service cost applicable will be based on the rates active on the specific day you avail of the service, not the date of membership enrolment.  

This ensures transparency and aligns the charges with the current market conditions while maintaining fairness within the program's framework. If specific terms for your membership differ, it’s best to confirm with the AyuvuBharosa support team.

Claims under the AyuvuBharosa program are generally designed to have minimal chances of rejection. However, claims may be denied in specific circumstances, including:

1. Concealed or Incorrect Information: If the claim is based on incomplete, hidden, or false details provided by the member.
2. False Claims: Any attempt to claim benefits fraudulently or for non-eligible services.

In case a claim is rejected, the member will be notified with a clear explanation of the reasons. The program’s focus is on transparency and ensuring that legitimate claims are processed smoothly. For concerns or disputes, a review or appeals process may be available.

The AyuvuBharosa program is offered at a low cost due to the following factors:

1. Focus on Preventive Care: The program emphasizes maintaining the health of its members through regular check-ups, screenings, and early interventions. This reduces the likelihood of serious illnesses and the need for costly hospital admissions.
2. Streamlined Execution: By eliminating multiple intermediary channels and managing operations directly, administrative and operational costs are significantly reduced.

These strategies ensure efficient use of resources while providing comprehensive healthcare coverage, making it affordable for members.

The AyuvuBharosa program includes only those medicines that are thoroughly evaluated and recommended by its expert consultants. This ensures:

1. Effectiveness and Safety: Medicines included in the packages, whether generic or branded, are chosen based on their proven efficacy and safety profile.
2. Expert Validation: The decision to include a medicine is made after careful consideration by healthcare professionals, ensuring it aligns with the program's quality standards.

This approach prioritizes the health and trust of members over generic or cost-based inclusions alone.