Quick Overview:
- Mukhyamantri Chiranjeevi Yojana Rajasthan (now Mukhyamantri Ayushman Arogya Yojana) is a state government health insurance scheme providing financial protection against major medical expenses.
- The scheme offers cashless health coverage of up to ₹25 lakh per family per year for secondary and tertiary care treatments.
- It is integrated with Ayushman Bharat PM-JAY, ensuring extended coverage for eligible beneficiaries in Rajasthan.
- Treatment is available at government and empanelled private hospitals within Rajasthan and select hospitals outside the state.
- Eligible families are identified through Jan Aadhaar and socio-economic criteria, with certain categories automatically included.
- The claim process is completely cashless and hospital-driven, with pre-authorisation and direct settlement between hospital and insurer.
- Coverage includes major surgeries, critical illnesses, diagnostics, and pre- and post-hospitalisation expenses under approved packages.
- The scheme significantly reduces out-of-pocket healthcare expenditure and improves access to quality medical treatment for Rajasthan residents.
Healthcare costs may be a big financial burden on families, particularly in cases of medical emergencies. In order to provide affordable and accessible healthcare to all residents, the Government of Rajasthan introduced the Mukhyamantri Chiranjeevi Yojana, which is now in place under the name Mukhyamantri Ayushman Arogya Yojana Rajasthan. The plan offers cashless treatment at government and empanelled private hospitals throughout the state, and more.
This is an elaborate guide that includes the coverage of hospitals, premium information, eligibility, the process, and other information about Mukhyamantri Chiranjeevi Yojana, Rajasthan.
What Is Mukhyamantri Ayushman Arogya Yojana Rajasthan?
The Mukhyamantri Ayushman Arogya Yojana (earlier known as Mukhyamantri Chiranjeevi Swasthya Bima Yojana) is a flagship health insurance scheme by the Rajasthan Government. It aims to provide cashless health insurance coverage to all eligible families in the state.
Under the scheme, beneficiary families receive health insurance coverage of up to ₹25 lakh per year for medical treatment. The scheme covers secondary and tertiary care procedures and allows beneficiaries to avail themselves of treatment at empanelled hospitals without paying from their own pockets.
Integration With Ayushman Bharat PM-JAY
The scheme is integrated with the Central Government’s Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY). Eligible families under PM-JAY are automatically covered. The government of Rajasthan also offers further cover so that beneficiaries get better financial security beyond the central scheme limit.
Key Features of Mukhyamantri Ayushman Arogya Yojana Rajasthan
The Mukhyamantri Chiranjeevi Yojana Rajasthan provides a number of extensive benefits that aim to cover all the healthcare requirements.
Cashless Hospitalisation Across Empanelled Hospitals
Beneficiaries may receive cashless treatment in government and empanelled private hospitals. The whole process of settling claims is done between the hospital and the insurance company without the need to make initial payments.
Comprehensive Health Coverage for Families
The scheme offers coverage on a family floater basis. Each family member is identified in the Jan Aadhaar card, and a single policy covers them all.
High Sum Insured per Family
The maximum amount covered on an annual basis by the scheme is 25 lakh per family. This covers critical diseases and surgeries that are expensive within specified packages.
Coverage for All Family Members Without Age Limit
The age limit of enrollment is nonexistent. The scheme also covers newborn babies as long as they are registered in the family records.
Wide Range of Medical and Surgical Packages
The plan includes more than 1,500 medical procedures such as major surgeries, critical care, oncology treatment, cardiac procedures, neurosurgery, etc.
Benefits of Mukhyamantri Ayushman Arogya Yojana, Rajasthan
The Mukhyamantri Chiranjeevi Yojana has a number of benefits:
- Financial security against high medical costs.
- Cashless treatment facility.
- Serious and life-threatening illnesses coverage.
- Integration of the less economically endowed sections.
- Lower out-of-pocket healthcare spending.
- Availability of government and non-government health institutions.
The plan is instrumental in enhancing access to healthcare in Rajasthan.
Suggested Read: What Is the Aarogyasri Scheme?
What Is Covered Under Mukhyamantri Ayushman Arogya Yojana, Rajasthan?
The scheme covers a wide scope of hospitalisation and other medical expenses.
Secondary Care Treatments
Secondary care encompasses treatments that involve hospitalisation, such as:
- General surgeries
- Obstetrics and gynaecology procedures
- Orthopaedic treatments
- Paediatric care
- General medicine
Tertiary Care Treatments
Tertiary care includes specialised and advanced medical treatment, including:
- Cardiac surgeries
- Neurosurgery
- Oncology (cancer treatment)
- Organ-related procedures
- Trauma and accident care
Pre-Hospitalisation and Post-Hospitalisation Expenses
The scheme includes pre-hospitalisation and post-hospitalisation costs based on package guidelines. This involves diagnostic procedures and subsequent treatment within the given period under approved packages.
What Is Not Covered Under Mukhyamantri Ayushman Arogya Yojana, Rajasthan?
While the scheme offers broad coverage, certain exclusions apply:
- Cosmetic surgeries (unless medically necessary)
- Fertility treatments
- Experimental treatments not approved under the scheme
- Non-medical expenses
- Treatments outside empanelled hospitals (except emergency referral conditions under guidelines)
It is important to verify coverage details at the hospital before admission.
Eligibility Criteria for Mukhyamantri Ayushman Arogya Yojana Rajasthan
Socio-Economic Eligibility Conditions
Eligible beneficiaries include:
- Families listed under the SECC (Socio-Economic Caste Census) data
- National Food Security Act (NFSA) beneficiaries
- Small and marginal farmers
- Contractual workers
- Other categories notified by the Rajasthan Government
Some families may need to pay a nominal annual registration fee if not covered under automatic inclusion categories.
Automatic Inclusion of Eligible Families
Families already eligible under PM-JAY or NFSA are automatically included. Their eligibility is verified through Jan Aadhaar and government databases.
Documents Required to Avail Mukhyamantri Ayushman Arogya Yojana
- Jan Aadhaar card
- Aadhaar card
- Ration card (if applicable)
- Mobile number linked with Aadhaar
- Residence proof
Hospitals verify identity and eligibility through online systems linked to government records.
How to Register for Mukhyamantri Ayushman Arogya Yojana Rajasthan
Eligible residents can register for the Mukhyamantri Chiranjeevi Yojana online registration through official government portals or designated centres.
Online Registration Process
- Visit the official Rajasthan government portal.
- Log in using Jan Aadhaar details.
- Verify family information.
- Pay the applicable registration fee (if required).
- Submit the application.
After verification, the family becomes eligible under the scheme.
Offline Enrollment Options
Residents can also register at:
- e-Mitra centres
- Common Service Centres (CSCs)
- District health offices
Assistance is provided for document verification and registration.
Mukhyamantri Ayushman Arogya Yojana Rajasthan Card
Beneficiaries receive a digital health card linked with their Jan Aadhaar.
How to Download or Access the Health Card
The health card can be accessed:
- Through the official portal
- At e-Mitra centres
- At the empanelled hospitals
Hospitals can retrieve details digitally using Jan Aadhaar or Aadhaar numbers.
How to Use the Card for Cashless Treatment
At the time of hospital admission:
- Present Jan Aadhaar/Aadhaar details.
- Hospital verification. The treatment package is selected.
- Pre-authorisation is obtained.
- Cashless treatment is provided.
No payment is required for covered services.
Suggested Read: ABHA Health Card Registration: What It Is & Key Benefits
Medical Packages Available Under Mukhyamantri Ayushman Arogy, a Yojana in Rajasthan
The scheme offers predefined medical packages covering:
- Cardiology procedures
- Cancer treatment
- Dialysis
- Joint replacement
- General surgeries
- ICU care
- Emergency trauma services
Each package includes hospital stay, doctor fees, medicines, diagnostics, and related expenses as per government-approved rates.
Suggested Read: Ayushman Bharat Yojana Explained
Claim Process Under Mukhyamantri Ayushman Arogya Yojana, Rajasthan
The claim process is fully cashless and hospital-driven.
Step-by-Step Cashless Claim Process
- The patient visits the empanelled hospital.
- Eligibility verification through the online portal.
- Selection of a relevant medical package.
- Pre-authorisation approval.
- Treatment provided.
- The hospital submits claim documents.
- The claim settled directly with the hospital.
Hospital-Initiated Claim Settlement
Beneficiaries are not required to file reimbursement claims. The empanelled hospital handles documentation and submits claims to the insurer or implementing agency for settlement.
List of Hospitals Covered Under Mukhyamantri Ayushman Arogya Yojana, Rajasthan
Government Hospitals Covered Under the Scheme
All major government hospitals in Rajasthan are covered, including:
- District hospitals
- Medical college hospitals
- Community health centres
Empanelled Private Hospitals in Rajasthan and Other States
Selected private hospitals within Rajasthan and certain empanelled hospitals outside the state are also covered, especially for specialised tertiary care treatments.
The updated list of hospitals is available on the official government portal.
Swasthya Marg Darshak Under Mukhyamantri Ayushman Arogya Yojana, Rajasthan
Role of Swasthya Marg Darshak
Swasthya Marg Darshaks are appointed at hospitals to assist beneficiaries. Their responsibilities include:
- Guiding patients about the scheme benefits
- Verifying eligibility
- Helping with documentation
- Coordinating pre-authorisation
Qualifications and Responsibilities
They are trained personnel familiar with scheme guidelines and hospital procedures, ensuring smooth implementation and support to beneficiaries.
Contact Details and Helpline for Mukhyamantri Ayushman Arogya Yojana, Rajasthan
Beneficiaries can contact the state health helpline for:
- Enrollment queries
- Hospital information
- Claim-related issues
- Grievance redressal
The helpline number is available on the official government website and hospital help desks.
Difference Between Mukhyamantri Ayushman Arogya Yojana Rajasthan and Private Health Insurance
Mukhyamantri Chiranjeevi Swasthya Bima Yojana offers substantial coverage, but there are differences compared to private insurance:
Feature |
Government Scheme |
Private Insurance |
Premium |
Free or nominal |
Paid annually |
Coverage Limit |
Up to ₹25 lakh |
Varies |
Eligibility |
Based on state criteria |
Open to all |
Hospital Network |
Empanelled hospitals |
Network hospitals |
Customisation |
Fixed packages |
Flexible plans |
Private insurance may offer add-ons, higher room rent limits, and international coverage.
Why You Should Opt for ManipalCigna Health Insurance Along with Mukhyamantri Chiranjeevi Yojana
Despite the fact that the Mukhyamantri Chiranjeevi Yojana Rajasthan offers a wide range of financial coverage, an added personal health insurance policy can offer:
- Higher coverage beyond ₹25 lakh
- Availability of a broader network of hospitals in India.
- Exclusion coverage is not provided in government schemes.
- Quick and easy claim processing of non-covered treatments.
Government and private insurance are a mix that provides complete protection of health.
Suggested Read: Why You Should Choose Private Health Insurance
FAQs
How much coverage is provided under Mukhyamantri Ayushman Arogya Yojana, Rajasthan?
The scheme offers health insurance of up to 25 lakh per family yearly on accepted medical procedures.
Are newborn babies covered under the scheme?
Yes. The newborn babies are also included in the family floater policy, as long as they are registered in the family records.
What diseases are covered under secondary and tertiary care?
The scheme includes an extensive list of conditions, such as cardiac diseases, cancer, neurological conditions, trauma, orthopaedic operations, and general medical conditions that involve hospitalisation.
Is the scheme applicable outside Rajasthan?
The treatment is mainly provided in empanelled hospitals in Rajasthan. Nonetheless, some hospitals which are not located within the state are empanelled as well to access specialised care.
Can beneficiaries use this scheme along with private health insurance?
Yes. Beneficiaries are allowed to take private health insurance on top of the Mukhyamantri Chiranjeevi Yojana to get better and additional coverage.
