Secure Health Insurance

Secure Health Insurance

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Chiranjeevi Yojana

  • Author :
  • TATA AIG Team
  • Published on :
  • 25/07/2022

The Rajasthan State Government recently launched an insurance scheme for the permanent residents of Rajasthan. The Mukhyamantri Chiranjeevi Yojana or Chiranjeevi Health Insurance came as a highly beneficial scheme offering up to ₹5 lakh medical insurance to the families of Rajasthan. It was launched by the government on May 1, 2021, as a welfare scheme, especially for the economically weaker sections of society.

This scheme made Rajasthan the first state in India that offers universal coverage to all residents. Also, registering for this scheme is quite a simple process, making it more popular amongst the common people of the state.

About the Chiranjeevi Health Insurance

The Mukhyamatri Chiranjeevi Yojana is a health insurance scheme, and it is a boon for people living below poverty line (BPL). Announced by the CM of Rajasthan, Shri Ashok Gehlot, the Chiranjeevi Yojana in Rajasthan offers cashless medical insurance to the people. In a time of skyrocketing medical expenses, Mukhyamantri Chiranjeevi Yojana, which is a medical insurance plan for the poor, shortens the socio-economic gap between the rich and the poor.

Those wishing to avail of health insurance need to pay a nominal fee of ₹850 and, in return receive the best treatment at various private and government hospitals.

Features and Benefits of the Chiranjeevi Health Insurance Scheme

The Chiranjeevi health insurance scheme came as a help for the ones that came from weaker economic or social backgrounds. With an easy and seamless application process, people can now avail of health insurance in unfortunate circumstances of a disease or an ailment. The maximum benefit limit is ₹5 lakhs, and the process is completely cashless.

The significant features and benefits of the Chiranjeevi scheme are mentioned below:

  • Health Insurance coverage for all the families that fall under the BPL (Below Poverty Line) category and the NFSA (National Food Security Act).

  • A comprehensive budget of about ₹3500 crores.

  • Coverage for COVID-19 treatments and haemodialysis, besides other diseases.

  • The scheme also benefits the beneficiaries enrolled in Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana.

  • Contractual workers and small and marginal farmers can also avail themselves of the policy's benefits.

  • Coverage for 1576 medical tests and treatment of multiple diseases.

  • Coverage for healthcare, tests, and all other expenses in a package for 15 days after hospitalisation.

  • Universal coverage for the citizens in a network of hospitals that come under the purview of the scheme.

Eligibility Criteria for the Mukhyamantri Chiranjeevi Yojana

To benefit from the Rajasthan govt health insurance scheme,

  • A person should be a permanent resident of the state of Rajasthan.

  • Families and individuals who have been registered in the Socio-Economic and Caste Census of 2011

  • NFSA card holders, Samvida workers of all departments, and small and marginal farmers of Rajasthan can avail of the benefits of this scheme

  • A person who is a migrant from any other state does not fall under the list of beneficiaries for the scheme

The insurance cover has a maximum limit of ₹5 lakhs. Eligible individuals must pay ₹850 annually to avail of the benefits of this scheme. The process of applying for the scheme will be online. However, it is to be noted that state and central government employees are not covered under this scheme.

How to Register for the Mukhyamantri Chiranjeevi Yojana

The government has made registering in the Chiranjeevi Health Insurance Scheme very easy and quick to ensure more people can enrol in it. To register for the Yojana, follow the steps mentioned below:

  • Register on the SSO portal.

  • Fill up the form and submit it. You will receive credentials for your account on your mobile number or email ID.

  • On the portal, click on login and fill in those credentials.

  • You will be able to see a dashboard where all the information regarding your account will be visible.

  • Fill out the application form. Do not forget to take a printout of the application form for future reference.

After registering on the portal of SSO, you become an existing user. But to get enrolled in the scheme, you need to apply for it separately.

Applying for the Chiranjeevi Health Insurance Scheme

Following the steps given below, you can easily apply for the scheme.

  • Log in to the SSO portal with your credentials.

  • Fill up the details, and you will be able to see a dashboard.

  • Open the dashboard. Click on “Application Form.”

  • Fill in the details asked for in the application form correctly. Make sure to make no mistakes.

  • Submit your application by clicking on the “Submit” button.

  • Take out a printout of the application, or take a screenshot.

To apply for the Mukhyamantri Chiranjeevi Yojana, you will be asked for documents, including your Aadhar card, Jan Aadhar Card number, or Bhamashah Card.

Check the Status of Your Application

Once you complete the application for Chiranjeevi health insurance scheme, the concerned team will assess all the details you have provided. You can check the status of your application by logging in to your account on the SSO portal. A link will be visible on the dashboard. By clicking on this link, you can see the stage at which your application is. However, if there is some discrepancy in the form, your application will be rejected.

Why is Health Insurance Important

The present lifestyle is filled with poor eating habits, stress, lack of exercise, and environmental issues such as pollution, which hurts people’s health. Additionally, health expenditure has become an important part of the total expenditure for any person or family. Therefore, you must get health insurance for yourself and your family.

In times of an emergency when a person needs to be hospitalised, having mediclaim insurance can be of immense help. Moreover, keeping in mind the rising medical costs, a cashless cover would greatly help in unfortunate and stressful times.

Should I Get Private Health Insurance If I am Not Eligible for Government Schemes?

Just like the Rajasthan govt health insurance scheme, similar government mediclaim insurance facilities are helpful for the underprivileged. However, there are two caveats — not everyone can get it, and there is a limitation to the sum assured.

If someone wants to increase their coverage with a higher sum assured, they can not do it. In that case, looking at private health insurance can be a good idea. Private health insurers like Tata AIG provide great benefits to the insured.

Tata AIG health insurance policies offer -

  • Cashless Hospitalisation in India
  • Cumulative Bonus for Claim-Free Years
  • Round the Clock Assistance
  • High Claim Settlement Ratio
  • Savings on Taxes
  • Paperless Policies

With Tata AIG health insurance, you can get the benefit of cashless hospitalisation in more than 7200 hospitals across the country. Also, you can use our health insurance premium calculator to calculate your premium before purchasing any policy.

To Conclude

The introduction of the Chiranjeevi health insurance scheme is a significant step taken by the Rajasthan government. Many other state governments have introduced health insurance schemes for people living below the poverty line. If you want to register under the scheme, check the eligibility criteria and apply by following the steps.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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