Delhi Arogya Kosh: Eligibility, Benefits

Delhi Arogya Kosh (DAK) is a vital health assistance scheme launched by the Government of Delhi to ensure that no resident is denied essential or life-saving medical treatment due to financial limitations.

 Designed especially for economically weaker sections, this program provides financial support for major surgeries, critical illnesses, and costly diagnostic tests through direct payment to hospitals. By offering up to ₹5 Lakh in medical aid, the Delhi Arogya Kosh plays a crucial role in reducing healthcare expenses and helping vulnerable families access timely treatment with dignity.

Delhi Arogya Kosh Overview

Delhi Arogya Kosh is a registered society under the Government of Delhi that functions as a critical illness fund. It provides financial assistance for treatment, including surgeries and diagnostic tests, at both government and empanelled private hospitals.

 Delhi Arogya Kosh Eligibility Criteria

To avail of benefits under this Delhi health assistance scheme program, applicants must meet the following Arogya Kosh eligibility requirements:

• Residential Status: The applicant must be a bona fide resident of the National Capital Territory (NCT) of Delhi for the last three years.

• Income Limit: The annual family income should not exceed ₹3,00,000.

• Identity Proof: A valid Voter ID card of Delhi is mandatory for adult patients. For minors, the Voter ID of a parent is required.

• Treatment Location: Financial aid is provided for treatment in Delhi Government hospitals or private hospitals empanelled with DAK.

Delhi Arogya Kosh Benefits

This free treatment scheme covers a wide range of medical needs to reduce the out-of-pocket expenditure for families:

• Medical Financial Aid: Coverage for high-end surgeries, including cardiac, kidney, and neurological procedures.

• Diagnostic Support: Free radiological and diagnostic tests like MRI, CT Scan, and PET scan at empanelled centres if the waiting period in government hospitals exceeds 15 days.

• Critical Care: Financial support for life-threatening illnesses that require long-term hospitalisation or expensive implants.

• Direct Payment: The funds are usually released directly to the hospital where the patient is undergoing treatment.

How to Apply for Delhi Arogya Kosh?

Eligible residents can follow these steps to apply for the scheme:

1. Obtain Application Form: The form is available at the Medical Superintendent’s office of major Delhi Government hospitals.

2. Medical Documentation: Get the estimated cost of treatment and a medical certificate signed by the treating doctor from the government hospital.

3. Submit Documents: Submit the completed form along with:

• Income certificate or EWS certificate.

• Voter ID card (proof of 3-year residency).

• Aadhar Card.

4. Verification: The application is reviewed by the DAK committee for approval.

5. Sanction: Once approved, the sanction letter is issued to the hospital, allowing the patient to proceed with the treatment.

Medical Procedures Covered

The scheme specifically targets high-cost treatments, including:

• Coronary Artery Bypass Grafting (CABG)

• Joint Replacements (Hip/Knee)

• Treatment for Cancer and Kidney Failures

• Trauma and Burn cases