Healthcare is a fundamental right, yet for many, accessing quality medical services remains a challenge due to financial constraints.
Recognizing this issue, the Rajasthan Government launched the Mukhyamantri Chiranjeevi Swasthya Bima Yojana to provide free and cashless healthcare services to residents.
As we step into 2025, the Chiranjeevi Yojana has been updated to include more benefits, better coverage, and streamlined processes.
In this article, we’ll explore everything you need to know about the scheme, its benefits, updated features, and the step-by-step process to apply.
What is the Chiranjivi Yojana?
The Mukhyamantri Chiranjeevi Swasthya Bima Yojana, launched in May 2021, is a flagship health insurance scheme by the Rajasthan Government.
It provides cashless medical treatment to families at empaneled hospitals, ensuring that healthcare is accessible to all, especially low-income households.
Under this scheme, families can avail of health insurance coverage of up to ₹10 lakh per year for various treatments, including critical illnesses.
The scheme also aims to reduce out-of-pocket healthcare expenses and improve the overall health and well-being of the state’s residents.
Key Features of the Chiranjivi Yojana
| ▪️Free and Cashless Treatment: Beneficiaries can access medical treatment without worrying about upfront costs at empaneled hospitals. |
| ▪️Comprehensive Coverage: The scheme covers a wide range of treatments, including surgeries, ICU care, diagnostics, and medicines. |
| ▪️High Insurance Limit: Each family is entitled to ₹10 lakh annually for medical expenses, covering both planned and emergency treatments. |
| ▪️Empaneled Hospitals: Over 1,600 public and private hospitals in Rajasthan are part of the scheme, ensuring quality healthcare services. |
| ▪️Special Focus on Women and Children: The scheme prioritizes maternal and child healthcare, reducing maternal and infant mortality rates. |
| ▪️No Age Restrictions: Individuals of all ages, from infants to senior citizens, are eligible for coverage under the scheme. |
| ▪️No Premium for Vulnerable Groups: Families registered under the National Food Security Act (NFSA) or other vulnerable categories can enroll in the scheme without paying a premium. |
Why is Chiranjivi Yojana Important in 2025?
The Chiranjeevi Yojana has grown in importance due to rising healthcare costs and the need for accessible treatment. Here’s why it’s crucial in 2025:
1. Reduces Financial Burden
Medical emergencies can drain savings and push families into poverty. The Chiranjivi Yojana eliminates this burden by offering cashless treatment.
2. Promotes Preventive Healthcare
With access to diagnostics and regular checkups, families can prevent serious illnesses and reduce long-term medical expenses.
3. Encourages Equality in Healthcare Access
The scheme bridges the gap between rural and urban healthcare access, ensuring that even residents of remote areas receive quality treatment.
4. Boosts Statewide Health Indicators
The scheme has significantly contributed to reducing maternal and child mortality rates, improving life expectancy, and promoting overall public health.
5. Supports Healthcare Infrastructure
By partnering with private hospitals, the government ensures that state residents have access to state-of-the-art medical facilities.
Benefits of Chiranjivi Yojana for People
Here are some of the key benefits of the Chiranjivi Yojana:
- Free Treatment for Major Illnesses:
The scheme covers costly treatments like cancer care, cardiac surgeries, and kidney transplants. - Empanelled Hospital Network:
Beneficiaries can choose from a wide range of private and public hospitals for their treatment. - Maternity Benefits:
Pregnant women receive free antenatal checkups, delivery care, and postnatal support. - Zero Premium for Economically Weaker Sections (EWS):
Vulnerable families, including those covered under NFSA or other government welfare schemes, do not need to pay any premium. - Covers Pre-Existing Diseases:
Beneficiaries do not need to worry about exclusions for pre-existing conditions; the scheme covers them from day one. - Health Insurance for All:
Non-BPL families can also enroll by paying a nominal annual premium of ₹850, making healthcare accessible to middle-income households.
Chiranjivi Yojana in 2025: Updated Features
The Rajasthan Government has introduced several updates to the Chiranjivi Yojana in 2025 to make it more efficient and beneficial:
- Higher Insurance Limit:
The insurance coverage has been increased to ₹10 lakh per family, up from ₹5 lakh earlier. - Expanded Empanelled Network:
More hospitals have been added to the list, including specialized healthcare providers for critical illnesses. - Online Portal and Mobile App:
A user-friendly portal and mobile app allow beneficiaries to check eligibility, hospital lists, and claim status. - Enhanced Awareness Campaigns:
The government has rolled out campaigns to ensure that every eligible household enrolls in the scheme. - Inclusion of More Families:
The scheme has been extended to cover more middle-income families by keeping the premium affordable.
How to Apply for Chiranjivi Yojana in 2025
Applying for the Chiranjivi Yojana is a simple process. Here’s a step-by-step guide:
Step 1: Check Eligibility
The scheme is open to all families in Rajasthan, with priority given to economically weaker sections. Non-BPL families can also enroll by paying a nominal premium.
Step 2: Gather Required Documents
Before applying, ensure you have the following documents:
- Aadhar Card of all family members
- Jan Aadhar Card (mandatory for Rajasthan residents)
- Proof of Residence (ration card, voter ID, etc.)
- Bank account details of the head of the family
Step 3: Visit the Official Portal
Go to the official Chiranjivi Yojana website or download the mobile app to start the application process.
Step 4: Register Your Family
Fill in the details of all family members, including names, ages, and Aadhar numbers. If you belong to the non-BPL category, pay the nominal annual premium online.
Step 5: Receive Confirmation
Once your application is processed, you’ll receive a confirmation message with your registration details. The card or digital ID can then be used to access healthcare services.
Step 6: Link with Hospitals
Visit any empaneled hospital with your Chiranjivi Card to start availing of free treatment.
How to Use the Chiranjivi Card for Treatment
| ▪️Visit an empaneled hospital and provide your Chiranjivi Card or Jan Aadhar Card. |
▪️The hospital will verify your details through the online portal. |
▪️Once verified, you can receive cashless treatment up to the insurance limit. |
▪️Post-treatment, the hospital will settle the bill directly with the insurance provider. |
Frequently Asked Questions (FAQs)
1. Is Chiranjivi Yojana only for BPL families?
No, the scheme is open to all families in Rajasthan. Non-BPL families can enroll by paying an annual premium of ₹850.
2. Can I apply for the scheme offline?
Yes, you can visit your nearest e-Mitra center for offline registration.
3. What diseases are covered under the scheme?
The scheme covers over 1,500 medical procedures, including surgeries, critical illnesses, and maternity care.
4. How can I check my eligibility?
You can check your eligibility on the official portal or mobile app by entering your Jan Aadhar number.
5. Can I add new family members to the scheme?
Yes, you can update your family details through the portal or e-Mitra centers.
Conclusion
The Mukhyamantri Chiranjeevi Yojana is a transformative healthcare scheme that ensures every resident of Rajasthan has access to affordable and quality medical services.
With its expanded coverage, user-friendly processes, and updated features in 2025, the scheme continues to improve lives and reduce financial stress caused by medical emergencies.
If you haven’t enrolled yet, don’t wait—secure your family’s health today by applying for the Chiranjivi Yojana!