As per a recent article in The Times of India, over 1 crore people live below the poverty line (BPL) in Rajasthan. While this is the reported figure, many estimates put the actual number at over twice this. With barely enough money to make ends meet, it is not difficult to imagine the challenges faced by this section of the population with regard to health care.
The State Government has taken cognisance of the situation and launched the Chiranjeevi Yojana (‘Immortal Health Plan’ in English). The key ambition of this project is to provide easy and affordable access to quality healthcare in the state. It covers over 1,500 medical conditions and procedures and offers benefits up to ₹5 Lakhs at an annual premium of just ₹850, which translates to ₹70.8 per month.
Furthermore, the health plan allows insured members to pursue treatment at any empanelled private or government hospital. It also offers an accidental cover of ₹5 Lakhs, bringing the total coverage amount to ₹10 Lakhs.
Let us take a closer look at the scheme's benefits, how to apply and avail its benefits, etc.
The Chiranjeevi Bima Yojana works like any other health insurance plan but with the key difference being that it caters to the economically disadvantaged members of society. In this scheme, the insured people need to pay a nominal annual premium of ₹850 to keep the policy active. In return, they can receive medical treatment or hospitalisation at any of the listed hospitals without having to incur any additional expenses.
The Chiranjeevi health insurance scheme secures the enrolled family’s expenses and avoids the need to dip into their savings in case of a medical emergency. Furthermore, it gives people living below the poverty line access to quality healthcare which they wouldn’t have been able to afford otherwise.
Here are the key features of the Chiranjeevi Yojana:
The scheme has a budget of approximately ₹3,500 Crores
It is also known as Chiranjeevi Swasthya Bima Yojana, and is a cashless health insurance scheme
The scheme offers health insurance cover specifically for families that are permanent citizens of the state of Rajasthan, and fall under the following categories – BPL (Below Poverty Line), SECC (Socio Economic and Caste Census), and NFSA (National Food Security Act)
Moreover, those enrolled under the Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana can also apply and benefit from this scheme
Small farmers, tenant farmers, and Samvida departmental workers are also eligible to apply for this scheme
The scheme covers medical treatment, tests, hospitalisation expenses, and healthcare costs up to 15 days post hospitalisation
It also offers medical cover of ₹5 Lakhs and an accidental cover of ₹5 Lakhs
Complicated and expensive procedures such as heart/liver/bone marrow transplants, joints replacement, and COVID-19 care are also covered under this scheme
This Rajasthan government-sponsored health scheme comes with numerous benefits to the eligible citizens of the state. Here are some of the prominent ones:
Enrolled members can get access to over 1500 tests and treatments
Hospitalisation costs and expenses up to 15 days post-hospitalisation are also covered under the Chiranjeevi Bima Yojana
You do not need to pay for these tests and treatments, since the scheme is cashless in nature. You are simply required to pay the nominal premium amount each year
By paying a small premium of ₹850 per family, you can get a substantially high cover of ₹5 Lakhs
You also get an accident coverage of another ₹5 Lakhs without any additional cost
Members can access facilities of any government or private hospital that are listed in the Mukhyamantri Chiranjeevi Swasthya Bima Yojana network
The Mukhyamantri Chiranjeevi Yojana has been specifically designed for the economically weaker population of the state of Rajasthan and, as such, has a strict eligibility criteria to prevent its misuse. Ensure that you have gone through the eligibility criteria section of this article to avoid getting your application rejected.
The premium-to-cover sum in this scheme is quite high. It is wise to enrol all eligible family members in this scheme to avail of the numerous cashless tests and treatments offered by it.
Health insurance is a vital instrument to protect your health and finances. Even if you are not eligible for the Chiranjeevi Yojana, it is advisable to buy health insurance cover from a private insurer for yourself and your family.
Apart from being highly beneficial, the Chiranjeevi Health Insurance Scheme is also easy to register for. Here are the steps to go about this:
Step 1: Visit the official Chiranjeevi Yojana SSO (Single sign-on) website – https://sso.rajasthan.gov.in/signin
Step 2: First time users will need to register and create an account
Step 3: Choose an applicable option – whether you are a state government employee, citizen, or fall under the industrial category.
Step 4: Continue using one of the different registration modes provided on the portal such as Jan Aadhaar or Google.
Step 5: Upon verification of your personal information, such as email ID and phone number, you will be registered to the portal and a unique SSO ID will be assigned to you. After registering, you can access your account by entering your ID, password, and captcha code.
Step 6: Subsequently, you can login to the portal using your SSO ID and password.
Having successfully registered yourself and family members on the Mukhyamantri Chiranjeevi Swasthya Bima Yojana Portal, you can now proceed to apply for the scheme by following these steps:
Step 1: Visit the SSO site using your SSO ID and password
Step 2: Open the dashboard and fill in the necessary personal details of each eligible member
Step 3: Your Jan Aadhaar card or Bhamashah card details will also be required to complete the application
Step 4: Once done, verify your details and click on ‘Submit’
To avail of all the benefits offered by the Chiranjeevi Bima Yojana, you need to register and apply for it. However, to ensure your application is not rejected, you must first understand the eligibility criteria of the scheme. These are as follows:
You must be a permanent resident of the state of Rajasthan. Migrant residents are not eligible for the scheme
You must either be registered in the Socio-Economic and Caste Census of 2011 (SECC), or be a BPL or NFSA (National Food Security Act) card holder
If you have successfully enrolled for the Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana, then you are eligible for this scheme too
Additionally, small farmers and Samvida workers can also avail of the benefits of this scheme
Once you have applied for the health insurance cover on the SSO portal, your application will go through a verification process. Upon its successful completion a link is generated and shared to you via registered email or phone number.
By clicking on this link, you can directly access your account dashboard which will give the current status of the application and any other clarifications requested by the concerned authorities (if needed).
Since the scheme is sponsored by the state government and intended for the economically challenged, the registration fee is just ₹20 and the premium collection fee is an additional ₹10 per instance.
To apply for the Chiranjeevi Yojana, you need to have an Aadhaar card (issued by the Central Government), and a Jan Aadhaar card or a Bhamashah card (issued by the State Government of Rajasthan). Apart from these, any information being provided by you should be backed with documentary evidence that may be requested anytime during the application process. These can include a BPL certificate, ration card, income certificate, etc.
People and families eligible to apply for the Chiranjeevi Yojana include small farmers that are permanent residents of Rajasthan, Samvad workers, and other citizens holding a BPL or NFSA card, or are registered under SECC 2011.
The premium of the Chiranjeevi Yojana has been set at a nominal amount of ₹850 per year.
Yes. In total, over 1500 tests and treatments are covered under the scheme that includes care and treatment of people affected by COVID-19.
The Chiranjeevi Yojana covers a variety of chronic and regular diseases. These also include complicated conditions requiring hemodialysis, transplant of vital organs such as liver, kidney, heart, or bone marrow, heart ailments, and others. Treatments related to COVID-19 or black fungus are also included in the scheme and can be availed of in any of the network private or government hospitals free of cost.
Women under the BPL category can get coverage for childbirth related treatment, care, and other associated expenses at all network government hospitals or private hospitals, under this scheme.
Yes, the Chiranjeevi Yojana is a cashless health insurance scheme and does not require any payment for tests or treatment done at the hospital.