Insurance Schemes Comparison — Aarogyasri vs Ayushman Bharat vs CGHS
In short
Aarogyasri covers TS & AP BPL families, Ayushman Bharat (PM-JAY) covers eligible families nationwide up to ₹5 lakh/year, and CGHS covers Central Government employees — each with different empanelled hospitals and cashless processes in Hyderabad.
Comparing health insurance schemes in Hyderabad
| Feature | Aarogyasri | Ayushman Bharat (PM-JAY) | CGHS |
|---|---|---|---|
| Who is eligible | BPL families in TS & AP | SECC-identified families nationwide | Central Govt employees & pensioners |
| Coverage limit | Procedure-wise packages | ₹5 lakh/family/year | As per CGHS rates |
| Geography | TS & AP residents | Any Indian state | CGHS cities |
| Cashless | Yes, at empanelled hospitals | Yes, at empanelled hospitals | Reimbursement or cashless |
| Referral needed | Usually from govt hospital | State-dependent | From CGHS wellness centre |
Which scheme applies to you?
- From Telangana or Andhra Pradesh? → Check Aarogyasri first
- From another state, BPL family? → Check PM-JAY eligibility
- Central Government employee? → CGHS
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