In a major step towards providing universal health coverage, the Government of Rajasthan launched a comprehensive health insurance scheme aimed at protecting every family in the state from the financial hardships of medical emergencies. This flagship initiative is the Mukhyamantri Chiranjeevi Swasthya Bima Yojana. For every resident of Rajasthan in 2026, it is crucial to understand what is the Mukhyamantri Chiranjeevi Yojana in Rajasthan. This scheme provides a substantial health insurance cover, offering cashless treatment at a wide network of government and private hospitals, and is a vital social security measure for the people of the state.
What is the Mukhyamantri Chiranjeevi Yojana?
The Mukhyamantri Chiranjeevi Swasthya Bima Yojana (MMSBY) is a universal health insurance scheme launched by the Government of Rajasthan in May 2021. The scheme aims to provide quality and affordable healthcare to every family in the state by offering a significant health insurance cover. Under this scheme, eligible families can avail of cashless in-patient (IPD) treatment at all government hospitals and a large network of empanelled private hospitals. The Chiranjeevi Yojana is one of the most ambitious state-level health schemes in the country, notable for its high sum insured and its near-universal coverage for all residents of Rajasthan.
Key Benefits of the Chiranjeevi Yojana
The scheme offers a wide array of benefits designed to provide comprehensive financial protection against health-related expenses.
- High Sum Insured: This is the standout feature of the scheme. It provides a health insurance cover of up to ₹25 lakh per family per year for major illnesses and treatments.
- Accident Insurance Cover: In addition to the health cover, the scheme also provides a personal accident insurance cover of up to ₹10 lakh for the family.
- Cashless Hospitalization: Beneficiaries can get completely cashless treatment at any of the empanelled government or private hospitals. This means they do not have to pay any money for the covered treatments.
- Wide Coverage of Treatments: The scheme covers more than 1,800 medical packages, including major surgeries, organ transplants, cancer treatment, and COVID-19 treatment.
- Coverage for Pre and Post-Hospitalization: It also covers medical expenses incurred 5 days before hospitalization and up to 15 days after discharge.
The scheme’s model is similar to other large-scale government health programs like the Biju Swasthya Kalyan Yojana (BSKY) in Odisha and the national Ayushman Bharat scheme, which uses a TMS ID for verification.
Who is Eligible for the Chiranjeevi Yojana?
The Chiranjeevi Yojana is a universal scheme that aims to cover all families who are permanent residents of Rajasthan. The eligibility is divided into two main categories:
1. ‘Free’ Category (No Premium)
Certain categories of families are eligible for the scheme’s benefits completely free of cost. They do not have to pay any premium. This includes:
- Families covered under the National Food Security Act (NFSA).
- Families belonging to the Socio-Economic Caste Census (SECC) 2011.
- All contractual workers and small and marginal farmers.
- COVID-19 ex-gratia recipient families.
2. ‘Paid’ Category (Subsidized Premium)
All other families of Rajasthan who are not covered under the ‘free’ category can join the scheme by paying a nominal, highly subsidized annual premium. This includes government employees and other families. By paying a premium of just ₹850 per family per year, they can avail all the benefits of the scheme, including the ₹25 lakh health cover.
How to Register and Avail Benefits
Registration for the Chiranjeevi Yojana is done through the state government’s portal and e-Mitra kiosks.
| Step | Action |
|---|---|
| 1. Registration | You need to register for the scheme through your nearest e-Mitra center or by visiting a registration camp. You will need your Jan Aadhaar card, which is the primary document for registration. |
| 2. Policy Generation | Once your eligibility is confirmed and the premium is paid (if applicable), your family will be enrolled in the scheme, and a policy document can be downloaded. |
| 3. Availing Treatment | For cashless treatment, you need to visit an empanelled hospital and provide your Jan Aadhaar card at the dedicated helpdesk. |
| 4. Verification | The hospital staff will verify your eligibility on the scheme’s portal using your Jan Aadhaar number and your biometric details. |
| 5. Cashless Service | Once approved, the hospital will provide the required treatment on a cashless basis. |
To keep a digital record of all your treatments, it is also beneficial for beneficiaries to create a national health ID, known as the ABHA Number. This allows for the creation of a portable health history, complementing the hospital’s internal UHID number system.
Frequently Asked Questions (FAQs)
1. What is a Jan Aadhaar Card and is it mandatory for the Chiranjeevi scheme?
The Jan Aadhaar Card is a ‘one number, one card, one identity’ scheme by the Government of Rajasthan for the residents of the state. It is a family-based card with a 10-digit number. Yes, having a Jan Aadhaar card is mandatory to register for and avail the benefits of the Mukhyamantri Chiranjeevi Yojana.
2. I am a Central Government employee living in Rajasthan. Can I join this scheme?
Central government employees who are already covered under schemes like the Central Government Health Scheme (CGHS) are generally not eligible for the Chiranjeevi Yojana. The scheme is primarily for residents of Rajasthan who are not covered under such central schemes.
3. Can I get treatment for any disease under this scheme?
The scheme covers a very wide list of over 1,800 medical packages and procedures. This includes most common illnesses and major surgeries. However, there might be certain exclusions, such as cosmetic procedures. You can check the detailed list of covered packages on the official website.
4. How can I find the list of hospitals empanelled under the Chiranjeevi Yojana?
The complete list of all empanelled government and private hospitals is available on the official website of the Mukhyamantri Chiranjeevi Swasthya Bima Yojana. You can search for hospitals in your district or city.
5. Is there a limit on the number of family members that can be covered?
The scheme covers the entire family unit as registered in the Jan Aadhaar card. The ₹25 lakh sum insured is on a family floater basis, which means the entire amount is available to be used by one or more members of the family during the policy year.