Details

Delhi Arogya Kosh is a registered society operating under the Directorate General of Health Services (DGHS), Government of NCT of Delhi. Its primary objective is to provide financial assistance to needy patients who cannot afford the cost of medical treatment.

Under the scheme, eligible patients can receive financial assistance of up to ₹5 lakh for treatment of different illnesses and medical conditions at eligible government hospitals in Delhi.

The scheme also provides support for selected high-end diagnostic tests, cashless specified surgeries and dialysis through empanelled facilities, subject to the applicable guidelines.

Key Highlights of Delhi Arogya Kosh

• Scheme Name: Delhi Arogya Kosh (DAK)
• Launched By: Government of NCT of Delhi
• Department: Directorate General of Health Services
• Maximum Financial Assistance: Up to ₹5 lakh
• Main Beneficiaries: Eligible patients from financially weaker families
• Annual Family Income: Up to ₹3 lakh for the standard financial assistance component
• Residency Requirement: Minimum three years of residence in Delhi for the standard financial assistance component
• Treatment Facilities: Eligible government hospitals and authorised empanelled facilities
• Application Mode: Application form and supporting documents submitted through the concerned government hospital or designated office

Benefits

The Delhi Arogya Kosh Scheme offers several healthcare benefits to eligible patients. Its main benefits include:

1. Financial Assistance Up to ₹5 Lakh

Eligible patients can receive financial assistance of up to ₹5 lakh for medical treatment in government hospitals. This support helps reduce the financial burden on families.

2. Support for Serious Diseases

The scheme provides financial assistance for different illnesses, medical interventions and treatments, subject to eligibility and approval.

3. Free High-End Diagnostic Tests

Eligible patients can receive selected diagnostic and imaging tests through authorised diagnostic centres. These may include:

• MRI-related and other approved imaging services, as applicable.
• Ultrasound.
• Doppler studies.
• Mammography.
• EEG and EMG.
• TMT and ECHO.
• PET and radionuclide scans at designated facilities, subject to referral rules.

4. Cashless Specified Surgeries

Eligible patients may receive certain specified surgeries without paying the approved package cost at designated empanelled private hospitals. Referral and waiting-period conditions apply.

5. Dialysis Support

The scheme also provides cashless dialysis facilities to eligible patients referred by participating government hospitals.

6. Direct Payment to Hospitals

Under the standard financial assistance process, the approved amount is released directly to the concerned government hospital rather than being handed over to the patient.

7. Support for Vulnerable Patients

The scheme aims to make essential healthcare services more accessible to economically weaker families living in Delhi.

Eligibility

Applicants must fulfil the applicable eligibility conditions to receive benefits under Delhi Arogya Kosh.

For the standard financial assistance component, the main eligibility conditions are:

1. Delhi Residency

The patient must be a bona fide resident of Delhi for at least three years before the date of application.

2. Annual Family Income

The annual family income should not exceed ₹3 lakh.

3. Treatment in an Eligible Hospital

The patient must be receiving or require treatment at an eligible government hospital located in Delhi. These may include:

• Delhi Government hospitals.
• Central Government hospitals.
• AIIMS.
• Eligible autonomous government institutes.
• Hospitals operated by local bodies.

4. Medical Requirement

The patient must require medical treatment, surgery, investigation or another medical intervention covered under the applicable scheme guidelines.

Important: Eligibility conditions can differ between the standard financial assistance component and special benefits such as specified surgeries and diagnostic tests. Patients should confirm the relevant conditions with the concerned government hospital.
 

Exclusions

Although Delhi Arogya Kosh provides financial support for several healthcare services, not every medical expense or patient automatically qualifies.

The following situations may not be covered under the standard financial assistance component:

1. Income Above the Limit: Families with annual income exceeding ₹3 lakh do not meet the standard financial assistance income criteria.

2. Insufficient Residency Proof: Patients who cannot establish the required three years of Delhi residency may not qualify for standard financial assistance.

3. Unauthorised Private Hospital Treatment: Treatment taken independently at a private hospital is not automatically covered under the standard government-hospital assistance component.

4. Non-Empanelled Facilities: Diagnostic tests and specified surgeries at private facilities must follow the relevant empanelment and referral requirements.

5. Unapproved Medical Expenses: Expenses not approved under the applicable scheme guidelines or medical estimate may not receive financial assistance.

6. Incomplete Applications: Applications without the required income proof, residence documents, medical estimate or treatment records may be delayed or rejected.

7. Non-Eligible Procedures: Procedures outside the approved services under special diagnostic or cashless surgery components may not qualify for those particular benefits.

Note: These exclusions relate to the relevant scheme components. Different conditions may apply to road accident, acid attack, thermal burn and other special cashless treatment provisions.

Application Process

Applicants should understand that the standard Delhi Arogya Kosh application process is primarily offline. The official government website provides scheme information and an application form, but the standard application is submitted with supporting documents through the concerned government hospital or designated office.

Follow these steps to apply:

Step 1: Visit an Eligible Government Hospital

Visit the government hospital where the patient is receiving or requires treatment. Contact the Medical Superintendent or Medical Director's office for information about the scheme.

Step 2: Download the Application Form

Visit the official Directorate General of Health Services website and open the Delhi Arogya Kosh section.

Download the prescribed Application/Estimate/Undertaking Form.

Step 3: Arrange the Required Documents

Collect the following documents:

• Income Certificate or National Food Security Card.
• Delhi residency proof for the last three years.
• Medical reports and treatment records.
• Two photographs of the patient.
• Original treatment estimate issued by the treating doctor.
• Other documents requested by the hospital.

Step 4: Get the Medical Estimate Approved

The treating doctor must prepare an estimate explaining the patient's medical condition, proposed treatment and expected expenditure.

The estimate must be certified by the Medical Superintendent of the concerned government hospital.

Step 5: Submit the Application

The completed application form and supporting documents can be submitted in person at either of the following locations:

Option 1: Concerned Government Hospital

Office of the Medical Superintendent or Medical Director of the hospital where the patient is receiving treatment.

Option 2: Delhi Arogya Kosh Office

Delhi Government Dispensary Building,

S-1, 3rd Floor, School Block,
Shakarpur, Delhi – 110092.

Step 6: Application Verification and Approval'

After submission, the concerned hospital examines the application and forwards the complete case through the official administrative process.

The application is processed by the Directorate General of Health Services and the Finance Department, where applicable, before the required approval from the competent authority.

Step 7: Receive the Approved Assistance

Once the application is approved, the sanctioned financial assistance is transferred directly to the concerned government hospital through the ECS facility.

The patient or applicant is informed through a letter and, where a contact number is available, by telephone.

Official Website: https://dgehs.delhi.gov.in/dghs/delhi-arogya-kosh

Application Form: Visit the official Delhi Arogya Kosh page and select the Application/Estimate/Undertaking Form link.

Important Contact and Office Details

Applicants should verify the current contact details and submission arrangements on the official website before visiting.

Documents Required

Applicants must submit the prescribed application form along with supporting documents to establish their identity, income, Delhi residency and medical requirements.

The following documents are generally required:

Income Proof

Applicants can submit any one of the following:

• National Food Security (NFSA) Card, for families with annual income below ₹1 lakh.
• Income Certificate issued by the area SDM or another authorised Revenue Department officer, for annual family income up to ₹3 lakh.

Delhi Residency Proof

Any one of the following documents may be submitted to establish residence:

• Delhi Domicile Certificate.
• Ration Card.
• Voter ID Card (EPIC).
• Driving Licence.
• Passport.
• Extract from the Electoral Roll.
• Aadhaar Card.

Medical Documents

• Original medical estimate certificate issued by the treating doctor.
• Details of the disease and recommended treatment.
• Estimated treatment expenditure.
• Certification by the Medical Superintendent of the concerned government hospital.
• Photocopies of medical reports and treatment records.
• Two photographs of the patient, attested by the treating doctor.

Additional Documents for Minor Patients

For patients below 18 years of age, the following documents may be required:

• Birth Certificate of the child.
• Delhi residency proof of either parent.

Applicants should keep original documents available for verification and submit the required photocopies with the application.

Frequently Asked Questions

Sources And References

For accurate and updated information about Delhi Arogya Kosh, applicants should refer to government publications and official scheme guidelines.

1. Directorate General of Health Services, Government of Delhi – Delhi Arogya Kosh: https://dgehs.delhi.gov.in/dghs/delhi-arogya-kosh
2. Department of Health and Family Welfare, Government of Delhi – Delhi Arogya Kosh: https://health.delhi.gov.in/health/delhi-arogya-kosh
3. Delhi Arogya Kosh Official Guidelines and Scheme Details: https://health.delhi.gov.in/sites/default/files/Health/generic_multiple_files/dak.pdf
4. Delhi Planning Department – Scheme Details and Financial Assistance: https://delhiplanning.delhi.gov.in/