Chiranjeevi/MAAY 2026: Rs 25 L Free Health Cover (Rajasthan)

📋1,798+ Covered Medical Procedures and Packages

The Chiranjeevi/MAAY scheme covers an extraordinarily comprehensive list of medical treatments: General Surgery: appendicitis, hernia, gallbladder, thyroid, all major surgeries. Orthopedic: knee replacement, hip replacement, spine surgery, joint reconstruction.

Cardiac: angioplasty, bypass surgery, valve replacement, pacemaker insertion. Neurosurgery: brain tumor removal, spine surgery, neurological interventions.

Cancer Treatment: chemotherapy, radiation therapy, surgery, cancer-related procedures. Dialysis: hemodialysis and peritoneal dialysis for kidney patients.

Organ Transplant: kidney, liver, heart transplant surgeries. Obstetrics: normal delivery, cesarean delivery, pregnancy-related complications.

Pediatrics: all child surgeries and treatments. Diagnostics: CT scans, MRI, ultrasound, PET scan, all laboratory tests during hospitalization.

NOT covered: Outpatient treatments (doctor visits without admission), routine dental work, cosmetic surgery, fertility treatments (IVF/IUI), glasses and hearing aids, pre-existing diseases have 30-day waiting period, and self-inflicted injuries. Maternity is covered if pregnancy was before policy enrollment, but post-delivery contraception procedures have restrictions.

💡Real Examples: What Patients Actually Paid Under Chiranjeevi

Mrs. Geeta (age 52, NFSA family): Hospitalized with pancreatitis.

Hospital admission, ICU stay 5 days, ERCP procedure, medications, all tests. Total hospital bill: ₹1,75,000.

Geeta's out-of-pocket payment: ₹0. Chiranjeevi covered everything.

Plus she paid ₹0 annual premium (NFSA free category).

Rajesh (age 38, general category): Requires angioplasty (stent placement for heart blockage). Total hospital cost: ₹3,25,000.

Rajesh's payment: ₹0 at hospital. He had paid ₹850/year premium for his family of 5.

Cost per person: ₹170/year for complete cardiac care coverage.

Sunita (age 28, general category): Normal delivery at private hospital. Hospital cost: ₹1,25,000 (including anesthesia, ICU stay, newborn care).

Sunita's cost: ₹0. Annual premium paid for family of 3: ₹850.

Effective cost: ₹283 per person for maternal-child health coverage.

Govind (age 62, NFSA family): Cancer diagnosed: requires chemotherapy course + surgery. Hospital bills over 6 months: ₹8,75,000.

Out-of-pocket payment: ₹0. Government paid his premium.

Only his time and emotional burden were his cost. Chiranjeevi ensured financial protection during worst health crisis.

🆔Jan Aadhaar Card: The Gateway to Chiranjeevi

Jan Aadhaar is a family ID system unique to Rajasthan: separate from national Aadhaar. It's mandatory for Chiranjeevi registration.

Without Jan Aadhaar, you cannot access Chiranjeevi, even in medical emergencies.

How to get Jan Aadhaar: Visit janaadhaar.rajasthan.gov.in or your nearest E-Mitra Kiosk. Bring: Aadhaar of all family members, latest electricity bill (residence proof), family photo.

Processing: 5-7 days. Fee: ₹0 (free).

You'll receive a Jan Aadhaar card (plastic card) or can download digital version.

Once you have Jan Aadhaar, Chiranjeevi registration takes just 5-10 minutes online or at E-Mitra. If NFSA/BPL: automatically enrolled for free.

If general: pay ₹850 and activate.

How Chiranjeevi Yojana Works: Coverage and Benefits

Rajasthan's Mukhyamantri Chiranjeevi Swasthya Bima Yojana provides cashless health insurance coverage of up to Rs 25 lakh per family per year. Launched in May 2021, it is among the most generous state health insurance schemes in India in terms of coverage amount.

The scheme covers over 1,800 treatment packages across medical, surgical, and day-care procedures. This includes cardiac surgeries like bypass and angioplasty, cancer treatment including chemotherapy and radiation, orthopedic procedures like joint replacements, neurosurgery, organ transplants, dialysis, and emergency treatment for accidents and burns. The coverage also includes up to 5 days of pre-hospitalization expenses and 15 days of post-hospitalization follow-up costs.

All families covered under the National Food Security Act, Jan Aadhar card holders, and the Socio Economic Caste Census beneficiaries are automatically eligible without paying any premium. Other families who do not fall under these categories can register by paying an annual premium of Rs 850 per family to access the same Rs 25 lakh coverage. This makes the scheme near-universal in its reach: covering both BPL families for free and APL families at a nominal cost.

Treatment is available on a cashless basis at empaneled hospitals across Rajasthan. The scheme network includes both government and private hospitals. Beneficiaries do not need to pay any amount upfront: the entire treatment cost including medicines, consumables, diagnostics, and hospital stay is covered under the scheme package.

Eligibility and Registration Process

Registration for Chiranjeevi Yojana is done through the official portal chiranjeevi.rajasthan.gov.in or through the Jan Aadhar portal. Families with Jan Aadhar cards can register online by entering their Jan Aadhar ID and verifying with an OTP. The registration process takes about 5 to 10 minutes for families already in the Jan Aadhar database.

For families who need to pay the Rs 850 annual premium, payment can be made online through the portal or at designated e-Mitra kiosks across Rajasthan. After payment and registration, the coverage becomes active from the date of registration and remains valid for one year. Renewal requires a fresh payment before the expiry date.

NFSA beneficiaries, small and marginal farmers, contractual workers registered with the government, COVID-19 affected families, and several other identified categories receive free registration without paying any premium. The categorization is done automatically based on government databases, and eligible families simply need to register on the portal to activate their coverage.

All family members listed on the Jan Aadhar card are covered under a single registration. There is no limit on the number of family members. If a new family member is added to the Jan Aadhar card after registration, they automatically come under the scheme's coverage. This family-based coverage model ensures that every member: from newborns to elderly parents: has access to cashless healthcare.

How to Access Treatment: Step-by-Step Patient Guide

Step 1: Visit any empaneled hospital when you need medical treatment. You can find nearby empaneled hospitals on the Chiranjeevi portal, the Rajasthan Sampark helpline 181, or through your local Primary Health Centre. Both government and private hospitals participate in the network.

Step 2: At the hospital, go to the Chiranjeevi Help Desk and present your Jan Aadhar card. The desk verifies your identity through biometric authentication or Jan Aadhar e-card verification. If biometric verification fails, alternative identification through Jan Aadhar demographic matching can be used.

Step 3: The treating doctor examines you and determines the required treatment. If the treatment falls under a covered package, the hospital submits a pre-authorization request to the insurance company managing the scheme through the online Chiranjeevi portal.

Step 4: Pre-authorization is typically processed within 24 to 48 hours for planned procedures. For emergencies, treatment begins immediately and pre-authorization is sought retrospectively within 72 hours. The hospital cannot refuse emergency treatment citing pending authorization.

Step 5: After approval, treatment proceeds on a completely cashless basis. You do not pay for any component of the treatment: hospitalization, surgery, medicines, diagnostics, and post-operative care are all covered under the package rate. The hospital directly claims reimbursement from the insurance company.

Step 6: After discharge, you receive follow-up care instructions and a follow-up schedule. Post-hospitalization expenses for up to 15 days including prescribed medicines and follow-up consultations are covered under the scheme.

Common Problems and How to Resolve Them

The most common complaint is hospitals asking patients to pay for medicines or consumables separately despite the cashless guarantee. Under the scheme rules, the treatment package includes all medicines, surgical consumables, implants, and diagnostics required for the covered procedure. If a hospital demands additional payment, politely refuse and call the Chiranjeevi helpline at 181 to report the violation. You can also escalate to the District Programme Coordinator.

Biometric verification failures affect elderly patients and manual laborers whose fingerprints may be unclear. In such cases, the help desk should use alternative verification methods like Jan Aadhar e-card with OTP verification. If the help desk refuses alternatives, escalate to the hospital's Chiranjeevi coordinator or contact the helpline.

Pre-authorization delays beyond 48 hours for planned procedures are occasionally reported during high-volume periods. If your authorization is delayed, the hospital's TPA desk should follow up with the insurance company. You can also call the helpline for intervention. Keep all medical reports and prescriptions organized to avoid documentation-related delays.

Claims for outpatient procedures or treatments not listed in the covered packages are not eligible under Chiranjeevi. The scheme covers only listed in-patient treatment packages. Check whether your specific treatment is covered by asking the hospital's Chiranjeevi desk or calling the helpline before proceeding with treatment at a private hospital.

For more details, see our guide on Bihar Student Credit Card.

Chiranjeevi vs PM-JAY: How They Compare

Chiranjeevi Yojana provides Rs 25 lakh coverage per family per year, which is five times the Rs 5 lakh coverage under PM-JAY (Ayushman Bharat). This makes Chiranjeevi one of the most generous health insurance schemes in India by coverage amount.

PM-JAY is a central government scheme available across India but limited to Socio Economic Caste Census identified families. Chiranjeevi, being a state scheme, extends coverage to a much broader population in Rajasthan: including APL families who pay the nominal Rs 850 premium. This means families who do not qualify for PM-JAY can still get comprehensive health coverage through Chiranjeevi.

In Rajasthan, the two schemes work in coordination. Eligible families receive PM-JAY's Rs 5 lakh as the base coverage from central funding, with Chiranjeevi providing the additional coverage up to Rs 25 lakh from state funding. From the beneficiary's perspective, this integration is seamless: you use your Jan Aadhar card for all treatments and the billing split between central and state funding is handled by the insurance company.

The treatment package rates and hospital network in Rajasthan are unified under Chiranjeevi, meaning there is no difference in the treatment process whether your claim is billed to PM-JAY or the state scheme. The single-window approach simplifies the experience for patients who would otherwise need to navigate two separate schemes.

Impact of Chiranjeevi Yojana on Healthcare in Rajasthan

Since its launch, Chiranjeevi has enrolled over 1.35 crore families in Rajasthan, covering approximately 4.5 crore individuals. The scheme has financed lakhs of hospital treatments that families would otherwise have been unable to afford, particularly cardiac surgeries, cancer treatment, and orthopedic procedures.

The private hospital network in Rajasthan has expanded significantly since the scheme's launch. Cities like Jaipur, Jodhpur, Udaipur, Kota, and Ajmer have seen new hospitals join the Chiranjeevi network to serve the increased demand. This network expansion has improved healthcare access across the state, with benefits extending beyond scheme beneficiaries to the general population.

The scheme has significantly reduced catastrophic health expenditure: the phenomenon where families fall into poverty due to medical costs. Government data shows that out-of-pocket health spending among Chiranjeevi beneficiaries has decreased substantially, preventing lakhs of families from being pushed below the poverty line due to medical emergencies.

Quality monitoring through the Chiranjeevi Trust includes regular hospital audits, patient satisfaction surveys, and outcome tracking for major procedures. Hospitals with poor performance metrics face penalties ranging from warnings to temporary suspension to permanent de-empanelment, creating accountability within the healthcare delivery system.

Chiranjeevi Yojana's Rs 25 lakh coverage means a farming family in rural Rajasthan can access the same cardiac surgery or cancer treatment that was previously accessible only to those who could afford private hospital bills.

Practical Tips for Getting the Most from Chiranjeevi

Always confirm your registration status on the Chiranjeevi portal before visiting a hospital. Enter your Jan Aadhar ID to verify that your family is active and all members are listed. If a family member is missing from the coverage, update your Jan Aadhar card first and the Chiranjeevi database will sync automatically.

For planned procedures like joint replacement or cataract surgery, research which empaneled hospitals in your region have the best track record for that specific procedure. Ask the hospital about their case volume and outcomes. Hospitals that perform a procedure frequently generally have better results and smoother processes.

Keep all medical records, previous prescriptions, and diagnostic reports organized in a folder. When you visit the empaneled hospital, having complete documentation speeds up the pre-authorization process significantly. The most common cause of authorization delays is incomplete medical documentation.

For follow-up care, remember that 15 days of post-discharge expenses are covered. Keep receipts of all medicines purchased and follow-up consultation fees during this period. Submit these to the hospital's Chiranjeevi desk for reimbursement under the post-hospitalization benefit.

Frequently Asked Questions About Chiranjeevi

Can I use Chiranjeevi outside Rajasthan? The scheme primarily covers treatment at empaneled hospitals within Rajasthan. However, for specialized treatments not available in Rajasthan, referral to empaneled hospitals in neighboring states may be possible with prior approval from the scheme administration. Contact the helpline for specific cross-state referral procedures.

Is there a waiting period after registration? For families paying the Rs 850 premium, coverage is active from the date of registration with no waiting period for most treatments. Some specific planned procedures may have a short waiting period: check the scheme guidelines for your required treatment.

What if I need treatment costing more than Rs 25 lakh? The Rs 25 lakh limit covers the vast majority of medical treatments. In extremely rare cases where treatment costs exceed this limit, the additional amount becomes the patient's responsibility. However, government hospitals may provide the treatment at subsidized rates for the excess amount.

Can I choose any doctor at the empaneled hospital? Yes, you can consult any specialist available at the empaneled hospital. The scheme does not restrict your choice of doctor within the empaneled facility. However, the treatment must follow the approved package protocol.

Chiranjeevi vs Other State Health Schemes

Compared to Andhra Pradesh's YSR Aarogyasri, Maharashtra's Mahatma Jyotiba Phule Jan Arogya Yojana, and Tamil Nadu's Chief Minister's Comprehensive Health Insurance Scheme, Chiranjeevi stands out for its coverage amount. At Rs 25 lakh per family per year, it offers five times the coverage of PM-JAY and significantly more than most state-level schemes.

The near-universal coverage model is another distinguishing feature. Unlike most state schemes that are restricted to BPL families, Chiranjeevi allows any Rajasthan family to join by paying Rs 850 annually. This removes the binary division between covered and uncovered families and ensures that even lower-middle-class families who do not qualify for BPL benefits can access affordable health insurance.

The integration with the Jan Aadhar card system provides a technology backbone that simplifies enrollment, verification, and claims processing. States without a similar unified identity system face greater challenges in managing scheme logistics, beneficiary verification, and fraud prevention.

❓Frequently Asked Questions