Mukhyamantri Chiranjeevi Swasthya Bima Yojana — ₹25 Lakh

What is Chiranjeevi Swasthya Bima Yojana?

Mukhyamantri Chiranjeevi Swasthya Bima Yojana (MMCSBY) is Rajasthan's flagship health insurance scheme that provides ₹25 lakh cashless health insurance per family per year to all families residing in Rajasthan — regardless of their economic status. It is one of India's most comprehensive state health insurance schemes.

Launched in May 2021, the scheme covers:

• All BPL, SECC, and government-identified economically weak families — absolutely FREE
• Other Rajasthan resident families — at ₹850/year premium (very nominal amount for ₹25 lakh cover)
• Cashless treatment at 2,000+ empanelled government and private hospitals

Key Benefits

• ₹25 lakh cover per family per year — for a wide range of medical treatments
• Cashless hospitalisation — no upfront payment needed at empanelled hospitals
• 1,800+ medical packages covered including surgeries, dialysis, chemotherapy, ICU
• COVID-19 treatment included
• OPD cover: ₹2,500/year for OPD consultations and medicines (for card holders)
• Critical illness: Cancer, heart surgery, kidney transplant, organ transplant — all covered
• Pre-existing diseases are covered from Day 1 (no waiting period for most conditions)
• No restriction on family size — the entire family is covered

Who is Eligible?

Free (no premium) — all NFSA beneficiaries:

• Families with NFSA/food security ration cards (PHH/AAY cardholders)
• SECC (Socio-Economic Caste Census) listed families
• Small/marginal farmers registered under PM Kisan
• Contractual employees of state government
• Construction workers registered under BOCW Board

Paid registration (₹850/year per family):

• Any other family resident in Rajasthan not covered in the above categories
• Government employees who are NOT covered under RGHS (Rajasthan Government Health Scheme)

How to Register — Step by Step

For BPL/NFSA Families (Free Registration)

If you are an NFSA ration card holder, you are automatically registered. You only need to activate your card:

1. Visit any e-Mitra kiosk or government hospital
2. Present your Jan Aadhaar card (Rajasthan family ID) or Aadhaar
3. Get your Chiranjeevi card activated

For Other Families (₹850/year)

1. Go to chiranjeevi.rajasthan.gov.in or SSO portal at sso.rajasthan.gov.in
2. Log in with your SSO ID (create one at sso.rajasthan.gov.in if not done)
3. Search for "Chiranjeevi Swasthya Bima Yojana"
4. Enter your Jan Aadhaar number (Rajasthan family ID)
5. Your family members auto-populate from Jan Aadhaar data
6. Pay ₹850 online (Debit card/UPI/Net banking)
7. Registration complete — download your policy

At e-Mitra kiosk:

1. Visit your nearest e-Mitra kiosk (available at most gram panchayat offices and urban areas)
2. Operator registers your family with Jan Aadhaar
3. Pay ₹850 at the kiosk

Documents Required

• Jan Aadhaar card (Rajasthan family ID) — most important
• Aadhaar card (for Aadhaar-based verification if Jan Aadhaar not available)
• For free category: NFSA ration card / SECC certificate / PM Kisan registration

Jan Aadhaar is mandatory. If you don't have one, first create it at janaadhaar.rajasthan.gov.in.

How to Use the Insurance — At the Hospital

1. Go to any Chiranjeevi-empanelled hospital (government or private)
2. At the admission counter, say you want cashless treatment under Chiranjeevi Yojana
3. Present your Jan Aadhaar card / Aadhaar for biometric verification
4. Hospital staff will check your policy and pre-authorise the treatment
5. Get treated — pay nothing (the insurance pays directly to the hospital)
6. For planned surgeries, the hospital sends pre-authorisation request to the TPA (Third Party Administrator)
7. Emergency treatment starts first, pre-authorisation happens simultaneously

Hospital List — Find Empanelled Hospitals

1. Go to chiranjeevi.rajasthan.gov.in
2. Click "Hospital List"
3. Filter by district, city, or type (government/private)
4. 2,000+ hospitals across Rajasthan are empanelled

Major private hospital chains empanelled: Fortis, Manipal, Narayana Health, Apollo (select centres), and hundreds of district-level private hospitals.

Check Chiranjeevi Registration Status

1. Go to chiranjeevi.rajasthan.gov.in
2. Click "Check Registration Status"
3. Enter your Jan Aadhaar number
4. View: registration date, validity, and family members covered

Frequently Asked Questions

Is the ₹25 lakh per person or per family?

Per family per year — the entire family shares ₹25 lakh. If one family member uses ₹5 lakh for surgery, the remaining ₹20 lakh is available for other members in the same year.

My family is not in Jan Aadhaar. Can I register?

First get your family registered in Jan Aadhaar at janaadhaar.rajasthan.gov.in or the nearest e-Mitra kiosk. Jan Aadhaar is Rajasthan's family identity and is required for most state schemes.

Can I use Chiranjeevi in hospitals outside Rajasthan?

Currently, only empanelled hospitals within Rajasthan are covered. For treatment outside Rajasthan, check if the hospital has a special empanelment — some national hospital chains have tie-ups.

Does Chiranjeevi cover maternity and newborn expenses?

Yes — maternity packages including normal delivery, C-section, and newborn complications are covered under the 1,800+ medical packages.

I am a government employee. Am I eligible?

Government employees covered under RGHS (Rajasthan Government Health Scheme) are not eligible for Chiranjeevi. However, contract/daily wage employees of the government can register.

What happens if the hospital charges me despite being under Chiranjeevi?

First, contact the hospital's Chiranjeevi desk. If they still charge, file a complaint at the Chiranjeevi helpline (18001806127) or at chiranjeevi.rajasthan.gov.in → "Grievance."

Official Links

• Apply / register: chiranjeevi.rajasthan.gov.in
• SSO login: sso.rajasthan.gov.in
• Jan Aadhaar: janaadhaar.rajasthan.gov.in
• Helpline: 18001806127 (toll-free)