Chiranjeevi Yojana (Rajasthan) — ₹25 Lakh Health Cover: Rajasthan's universal health insurance — ₹25 lakh per family per year for cashless treatment at 1,000+ empanelled hospitals across India. Now rebranded as Mukhyamantri Ayushman Arogya Yojana..Health Cover: ₹25 Lakh/yr. Premium: ₹850/family/yr. Families: 1.35 Cr+. Hospitals: 1,000+.Mukhyamantri Chiranjeevi Swasthya Bima Yojana (officially rebranded as Mukhyamantri Ayushman Arogya Yojana in February 2024) is Rajasthan's flagship universal health insurance scheme providing ₹25 lakh per family per year for cashless hospitalization. Launched in May 2021 by Chief Minister Ashok Gehlot, it's one of India's most comprehensive state health schemes — covering 1,798 medical procedures and packages.
Active SchemeUpdated: March 2026
🏥
Chiranjeevi Yojana (Rajasthan) — ₹25 Lakh Health Cover
Rajasthan's universal health insurance — ₹25 lakh per family per year for cashless treatment at 1,000+ empanelled hospitals across India. Now rebranded as Mukhyamantri Ayushman Arogya Yojana.
Health Cover
₹25 Lakh/yr
Premium
₹850/family/yr
Families
1.35 Cr+
Hospitals
1,000+
📖What is Chiranjeevi Yojana (Rajasthan) — ₹25 Lakh Health Cover?
Mukhyamantri Chiranjeevi Swasthya Bima Yojana (officially rebranded as Mukhyamantri Ayushman Arogya Yojana in February 2024) is Rajasthan's flagship universal health insurance scheme providing ₹25 lakh per family per year for cashless hospitalization. Launched in May 2021 by Chief Minister Ashok Gehlot, it's one of India's most comprehensive state health schemes — covering 1,798 medical procedures and packages.
What makes Chiranjeevi/MAAY exceptional: (1) ₹25 lakh cover is 5× more generous than Ayushman Bharat's ₹5 lakh, (2) It covers virtually ALL Rajasthan families — no income restrictions for the paid category, (3) Treatment accessible at empanelled hospitals across India (Delhi, Mumbai, Bangalore, not just Rajasthan), (4) Includes 5 days pre-hospitalization expenses (tests, scans before admission) and 15 days post-hospitalization (recovery, medicines after discharge), (5) No age limit, no waiting period for most emergencies.
For NFSA/BPL/Sambal families, registration is completely FREE — the state government pays the ₹3,000-5,000 actual insurance premium. For non-NFSA families (general/APL category), the annual premium is just ₹850 per family — irrespective of family size. This means a joint family of 8 members gets ₹25 lakh cover for ₹850/year, a cost-effectiveness unmatched globally. This generous subsidization reflects the BJP government's continuation of the Congress-era scheme with expanded coverage.
Over 1.35 crore families (approximately 85% of Rajasthan's population) are registered under Chiranjeevi as of 2026. The scheme has processed millions of claims for treatments ranging from appendicitis to organ transplants, heart bypass surgeries to cancer chemotherapy. The rebranding to MAAY in 2024 was administrative; all benefits, coverage, and registration remains unchanged.
✅Eligibility
Who can registerALL families residing in Rajasthan — no income limit, no age limit, no family size limit for paid category
Free categoryNFSA (ration card holders), BPL families, Sambal card holders, COVID orphans, transgender persons — zero premium, state govt pays ₹3,000-5,000
Paid categoryAll other Rajasthan residents — ₹850/year for entire family, covering all ages from newborn to elderly
Coverage₹25 lakh per family per year for cashless hospitalization. Covers 1,798+ medical packages (surgeries, treatments, diagnostics).
Geographic AccessEmpanelled hospitals across India — 1,000+ hospitals in Rajasthan, Delhi, Mumbai, and other major cities
Mandatory DocumentJan Aadhaar Card (Rajasthan family ID system) — MUST BE OBTAINED FIRST before Chiranjeevi registration
The entire process is cashless — you never pay the hospital directly. The government settles with the hospital.
₹25 lakh is per family per year — not per person
💡₹25 lakh is per family per year — not per person
The ₹25 lakh cover is shared among all family members registered under one Jan Aadhaar card. If one family member uses ₹15 lakh for a surgery, the remaining ₹10 lakh is available for other family members that year. The limit resets every year on the registration anniversary date.
📋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.
🏥How to Use Chiranjeevi at Hospital — Cashless Treatment Process
1
Find empanelled hospital from chiranjeevi.rajasthan.gov.in hospital list
Search by district, hospital name, or treatment type. Over 1,000 hospitals across India are network hospitals. Major private chains (Apollo, Fortis, Max, Manipal) and government medical colleges are included.
2
Visit hospital and present Jan Aadhaar + Chiranjeevi card at TPA desk
Every empanelled hospital has a dedicated Chiranjeevi/TPA (Third Party Administrator) desk. Show your Jan Aadhaar Card and Chiranjeevi policy document. Staff verifies your registration status in real-time using online portal.
3
Hospital initiates pre-authorization for planned procedures
For planned surgeries (not emergencies), hospital sends a pre-authorization request to the insurance company with patient details, diagnosis, and estimated cost. Approval takes 2-4 hours. Emergency admissions are auto-approved for up to 48 hours before pre-authorization.
4
Receive treatment completely cashless
Patient pays ZERO rupees — no admission advance, no deposit required. Hospital submits bills directly to insurance company. Patient pays nothing throughout stay. Even post-discharge medicines for 15 days are covered — just collect from empanelled pharmacies.
5
Discharge and follow-up coverage
At discharge, hospital provides a discharge summary and medication list. All medicines for 15 days post-discharge are covered if prescribed during hospitalization. For complications, readmission within 7 days is covered under same episode.
💡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.
Works across India, not just Rajasthan
💡Works across India, not just Rajasthan
Chiranjeevi/MAAY is valid at empanelled hospitals across India — not limited to Rajasthan. If a Rajasthan family member needs treatment in Delhi or Mumbai, they can use the scheme at any hospital empanelled under Chiranjeevi or Ayushman Bharat. Carry your Jan Aadhaar card and registration receipt.
📝How to Apply
1
Get Jan Aadhaar Card if you don't have one
Visit janaadhaar.rajasthan.gov.in or E-Mitra kiosk with Aadhaar + residence proof. 5-7 days processing, completely free.
2
Register for Chiranjeevi online at chiranjeevi.rajasthan.gov.in
Click 'New Registration' → enter Jan Aadhaar number → verify category (NFSA/BPL/general) → complete form.
3
If general category, pay ₹850 annual premium
Pay online via net banking, debit card, UPI, or at E-Mitra kiosk. Payment modes: NEFT, RTGS, debit card. No processing charges.
4
Download digital policy card from portal
After registration (instant for free category, after payment for paid category), download your Chiranjeevi policy document. Keep it in mobile phone or print it.
5
Use at any empanelled hospital for cashless treatment
Show Jan Aadhaar + policy card at hospital TPA desk. Treatment is cashless. Track claims and benefit usage on the portal.
⚠️Jan Aadhaar Card is ABSOLUTELY MANDATORY for Chiranjeevi registration and usage. Without Jan Aadhaar, even emergency treatments will NOT be covered. If you don't have Jan Aadhaar, register IMMEDIATELY at janaadhaar.rajasthan.gov.in before needing hospitalization.
📅Important Dates & Schedule
RegistrationOpen throughout the year at chiranjeevi.rajasthan.gov.in
Premium renewal₹850/year (paid category) — renew annually before expiry to maintain coverage
Helpline181 (state helpline) or contact TPA for claim issues
❓Frequently Asked Questions
🔗Related Schemes
Chiranjeevi Portal
chiranjeevi.rajasthan.gov.in
AK
Researched & verified from official sources
Updated
March 2026
March 2026