The Chiranjeevi Yojana Scheme is a government initiative aimed at providing healthcare benefits to the marginalized sections of society. The Mukhyamantri Chiranjeevi Yojana in Rajasthan offers cashless medical insurance of up to Rs. 25 lakhs, covering a wide range of medical conditions and procedures for families below the poverty line, small farmers, and contractual workers.
The Chiranjeevi Yojana, launched by the Rajasthan government, is a health insurance scheme offering cashless coverage of up to Rs. 25 lakhs will be given to every eligible family in the state. Aimed at reducing financial burden during medical emergencies, it covers over 1,576 medical procedures across government and private hospitals.
With a yearly premium of just ?850, the scheme benefits economically disadvantaged individuals and families. It empowers them to seek quality healthcare without worrying about upfront costs, promoting overall well-being in the state.
The Chiranjeevi Yojana, specifically the Mukhyamantri Chiranjeevi Yojana (MCJY) in Rajasthan, offers several benefits to its beneficiaries such as accident cover, a wider range of procedures, etc.
Here are some key points:
Increased sum insured: As of the 2023-24 budget, the annual health insurance coverage has been increased from Rs. 10 lakhs to Rs. 25 lakhs per family.
Additional accident cover: An additional accident cover of Rs. 10 lakhs is now included.
A wider range of procedures: More than 1,576 medical procedures and benefits are covered under the plan, including major illnesses, hemodialysis charges, and COVID-19 treatment costs
Cashless treatment: Beneficiaries can avail of cashless medical care at both public and private hospitals impaneled under the scheme.
Low premium: The yearly premium is only Rs. 850 per family, making it affordable for even low-income households.
Family coverage: The plan covers the entire family, including spouse, dependent children (up to 18 years old), and dependent parents.
Pre and post-hospitalization expenses: The program covers medical costs for five days before hospitalization and 15 days following discharge.
You can apply for the CM Chiranjeevi Yojana Scheme online in Rajasthan in two easy steps. First, you have to register yourself on the “SSO Portal”, and then you can enroll in the “Chiranjeevi Yojana”.
Step 1: Visit the “Registration” section of the “Single Sign-On (SSO)” portal of the Rajasthan government, and select the appropriate category (Citizen, Udhyog, or Govt. Employee).
Step 2: Fill out the registration form with your details and create a login password.
Step 3: You will receive a verification link on your registered mobile number. Click the link to confirm your account.
Step 1: After logging in to the SSO portal, go to the "Chiranjeevi Yojana" section.
Step 2: Click on "Register for Chiranjeevi Yojana."
Step 3: Select the appropriate category: BPL families (No payment is required, select your family type and provide BPL documents), or Paid Enrollment (Enter your family details and pay the annual premium of Rs. 850 online through debit/credit card or net banking)
Step 4: Review your application and then submit it.
Step 5: You will receive a confirmation message and Chiranjeevi Yojana card (e-card) on your registered mobile number and email.
The eligibility criteria for the Rajasthan Chiranjeevi Yojana, specifically the Mukhyamantri Chiranjeevi Yojana (MCJY) in Rajasthan, primarily fall into Free medical coverage and Paid enrollment.
This category includes individuals and families under the Below Poverty Line (BPL) classification. Specifically, it covers families registered under the Socio-Economic and Caste Census (SECC) 2011, National Food Security Act (NFSA) cardholders, families on the COVID-19 ex-gratia list, and contractual and marginal farmers.
This category allows anyone who's a permanent resident of Rajasthan to enroll in the scheme by paying an annual premium of Rs. 850. This includes families not classified as BPL, small and medium businesses, employees not covered under other government health insurance schemes and government contract workers.
The documents required to apply for the Chiranjeevi Bima Yojana (specifically the Mukhyamantri Chiranjeevi Swasthya Bima Yojana in Rajasthan) depend on whether you qualify for free coverage or choose paid enrollment.
Aadhaar Card: Mandatory for all family members applying.
Proof of Address: Ration card, electricity bill, water bill, or any other government-issued document with your address.
BPL Certificate: Issued by the government, this proves your below-poverty-line status.
Mobile Number: Required for registration and receiving updates.
Aadhaar Card: Mandatory for the head of the family applying.
Proof of Address: Ration card, electricity bill, water bill, or any other government-issued document with your address.
Mobile Number: Required for registration and receiving updates.
Bank Details: Debit/credit card or net banking information for online payment of the Rs. 850 annual premium.
NFSA Card: If applicable, for National Food Security Act cardholders.
COVID-19 Ex-gratia List: Proof of inclusion in the government's ex-gratia list for COVID-19 victims.
Land Records: For contractual and marginal farmers, documents verifying their land ownership.
Employee ID: For government contract workers, proof of employment.
You can claim Chiranjeevi Bima Yojana in hospitals very easily. First of all, before admission to the hospital inform them about your Chiranjeevi Bima Yojana coverage, they will verify it and will provide you with the required treatment. If there is any issue with the cashless authorization, you may be required to pay upfront and then submit a claim for reimbursement.
Inform the hospital about your Chiranjeevi Bima Yojana coverage at the time of admission.
Submit your Chiranjeevi Yojana e-card and the required documents for verification.
The hospital will verify your eligibility and claim details with the Chiranjeevi Yojana system online.
If eligible, cashless treatment will be authorized. You won't pay any medical expenses covered under the scheme.
Follow the hospital's procedures for cashless hospitalization.
Keep copies of all medical bills and discharge summaries.
In case of any discrepancy with cashless authorization, you may need to pay initially but can later file for reimbursement.
For reimbursement claims, submit the required documents (listed below) to the nearest empaneled Public Medical Facility (PMF) or your nearest Chiranjeevi Yojana help desk within 15 days of discharge.
There are some required documents that you will need if want to get a claim for the Chiranjeevi Bima Yojana which are mentioned below.
Chiranjeevi Yojana e-card: Mandatory for identification.
Photo ID: Government-issued ID proof for the patient.
Hospital Admission and Discharge Documents: Complete medical records including prescriptions, test reports, and bills.
Payment Receipts (if applicable): Receipts for any initial payments made in case of non-cashless authorization.
Bank Account Details: Account details for receiving any reimbursement amount.
Read More:
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In conclusion, though offering crucial financial support and expanding healthcare access, the Chiranjeevi Yojana faces challenges. While low-income families benefit greatly, concerns exist regarding claim procedures, hospital network adequacy, and outreach. Continued monitoring, improvement in service delivery, and potential coverage expansion are crucial for its long-term success.
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