An in-depth guide to the benefits, eligibility, and application process of India's most generous health scheme.
While the national Ayushman Bharat scheme provides a ₹5 lakh cover, the Government of Rajasthan has taken a revolutionary step further with its flagship Mukhyamantri Chiranjeevi Swasthya Bima Yojana. This scheme is not just an insurance plan; it's a comprehensive health guarantee for every resident of the state. It has gained national attention for its massive financial cover and its universal eligibility model.
Many people wonder if the benefits are real and how they can access them. This article provides a deep dive into the Chiranjeevi Yojana, explaining its two biggest benefits—the **₹25 lakh health cover** and **₹10 lakh accident insurance**—and detailing who is eligible and how to enroll. If you are a resident of Rajasthan, this is a must-read guide to securing your family's health.
The scheme offers two distinct types of financial protection to every enrolled family:
This is the core health insurance component. Every family gets an annual cashless treatment cover of up to ₹25 lakh. This amount is significantly higher than any other public health scheme in India. It is designed to cover not just common illnesses but also high-cost procedures like:
In addition to health insurance, the state government provides an accident insurance cover of up to ₹10 lakh per family under the Mukhyamantri Chiranjeevi Durghatna Bima Yojana. This benefit is provided in the tragic event of death or permanent disability of a family member due to a defined accident. This offers an extra layer of financial security to the family in difficult times.
The Chiranjeevi Yojana is a **universal scheme**, meaning every family that is a resident of Rajasthan is eligible to join. However, the enrollment is done in two categories:
The entire Chiranjeevi scheme is built upon Rajasthan's single-identifier system, the **Jan Aadhaar Card**. This card contains the details of all family members and is linked to their bank accounts and other government services. To avail the benefits of the Chiranjeevi Yojana, your family must have a Jan Aadhaar Card. It is used at the hospital for verification and to initiate the cashless treatment process.
Before proceeding, it is crucial to find a hospital that accepts the scheme. You can find the complete Rajasthan Chiranjeevi Hospital List here.
You can register online through the official Chiranjeevi portal or visit your nearest e-Mitra kiosk. You will need your Jan Aadhaar Card number to start the process and pay the ₹850 annual premium online.
Yes, the scheme has empanelled major hospitals in other states as well. You can get cashless treatment at these out-of-state network hospitals, which is particularly useful for super-speciality procedures not available locally.
Ayushman Bharat (PMJAY) has been integrated into the Chiranjeevi Yojana. All PMJAY beneficiaries in Rajasthan are automatically included in the 'Free' category of the Chiranjeevi scheme and are entitled to the higher ₹25 lakh benefit instead of the standard ₹5 lakh.