Benefits & 6 Changes in Chiranjeevi Yojana for 2024: Know what's new?

Chiranjeevi Yojana The government launched the CHIRANJEEVI YOJANA Scheme with the intention of helping the underprivileged members of society by offering healthcare benefits. Small farmers, contractual labourers, and families living below the poverty line can benefit from the Mukhyamantri CHIRANJEEVI YOJANA in Rajasthan, which provides cashless medical insurance up to Rs. 25 lakhs for a variety of medical problems and operations.

What is the Chiranjeevi Yojana Rajasthan Scheme?

A health insurance program called the CHIRANJEEVI YOJANA, introduced by the government of Rajasthan, will provide cashless coverage of up to Rs. 25 lakhs to all qualified families in the state. It includes coverage for approximately 1,576 medical treatments at both public and private hospitals, with the goal of lowering financial strain during medical emergencies.

The program helps families and people who are economically challenged, with an annual premium of just?850. It encourages general well-being in the state by enabling people to seek high-quality healthcare without worrying about up-front expenses.

Mukhyamantri Chiranjeevi Yojana 2024 Details

Objectives of Chief Minister Chiranjeevi Yojana

The principal aim of the Rajasthan Government CHIRANJEEVI YOJANA is to furnish health insurance coverage to all families in the state, hence mitigating the need for the beneficiary's family to incur additional annual expenses for medical care. ... order to prevent middle-class and lower-class households' financial situation from getting worse. Eligible families must register online for the Chiranjeevi scheme in order to get its benefits. Every family is eligible for health insurance up to Rs 10 lakh per year under the Chiranjeevi plan. which allows for the cashless treatment of Rs 5 lakh.

Aside from private hospitals connected to the program, eligible families can receive care in government facilities as well. It has been made public which hospitals are accepting patients under this program. Within the Chiranjeevi system, free treatment for associated diseases is offered in a variety of packages designed for different ailments. Based on the Ayushman Bharat Scheme of the Central Government, Rajasthan has implemented the Chief Minister Chiranjeevi Health Scheme.

Benefits of CM Chiranjeevi Yojana

Benefits of the Chiranjeevi Yojana include accident insurance, access to a larger choice of operations, and more. In Rajasthan, the Mukhyamantri CHIRANJEEVI YOJANA (MCJY) is one such program.

Here are some key points:

• Amount insured increased: The annual health insurance coverage for each family has been raised from Rs. 10 lakhs to Rs. 25 lakhs as of the 2023–24 budget.
• Extra accident insurance: There is currently an extra Rs. 10 lakhs in accident insurance included.
• a greater variety of methods: The plan covers over 1,576 medical procedures and perks, such as COVID-19 treatment costs, haemodialysis fees, and serious illnesses.
• Cashless care: At public and private hospitals affiliated with the program, beneficiaries are eligible for cashless medical care.
• Low price: Even low-income people can afford it, as the annual premium is just Rs. 850 per family.
• Coverage for the family: The plan provides coverage for the spouse, dependent parents, dependent children up to the age of 18, and dependent children.
• Expenses for both before and after hospitalisation: Five days before to hospitalisation and fifteen days after release are covered by the program.

Key Features of Chiranjeevi Yojana

The CHIRANJEEVI YOJANA is one of the most extensive health schemes in India since it has a number of special features. Here are a few of the main advantages:

1. Cashless Medical Treatment

One of the key highlights of the scheme is cashless treatment, where families can access medical care without worrying about upfront payments. This feature covers all the medical expenses, from hospitalization to treatment, directly paid by the government.

2. Coverage Up to ₹10 Lakh

Every qualifying family can receive up to ₹10 lakh in annual health insurance coverage under the CHIRANJEEVI YOJANA. This includes a broad spectrum of medical care, such as critical care, surgery, and post-hospitalization care.

3. Inclusion of Critical Illnesses

A number of serious illnesses are covered under the program, including as kidney failure, cancer, heart disease, and other life-threatening ailments that frequently require expensive treatments. This inclusion guarantees that, in the event of a serious health emergency, no family will be left to foot the heavy expense.

4. Wide Network of Hospitals

The scheme allows beneficiaries to avail of treatment at both government and private hospitals in Rajasthan. With a network of more than 2,000 hospitals, families have access to quality healthcare across the state.

How does the Chiranjeevi Yojana work?

A helpful health insurance program called the Chiranjeevi Bima Yojana offers monetary support for medical care or hospital stays to people from low-income backgrounds. Patients do not have to pay anything in order to receive the treatment. In the event of a medical emergency, they can use this government program to guarantee their family's financial future.

Eligibility criteria for Mukhyamantri Chiranjeevi Yojana

• State farmers (small and marginal farmers).
• Every contract worker in Rajasthan (including those employed by corporations, boards, departments, and the government sector).
• Families who fit the National Food Security Act (NFSA) eligibility requirements.
• Families qualifying for the 2011 Socio-Economic Census (SECC).
• Under this system, every Rajasthani household that fits any of these criteria is qualified for free health insurance. The government of Rajasthan pays the full amount of their insurance premium.

• In addition, any families who wish to participate in this program or utilise its benefits will need to pay an annual premium of ₹850.
• State residents can participate in the program by paying 50% of the prescribed premium, or Rs 850 per family annually, if they are not eligible for free health insurance, are not pensioners of government employees, and are not receiving benefits under the medical attendance rule. The government will cover the remaining 50% of the premium.

राजस्थान चिरंजीवी योजना की मुख्य बातें-

• प्रत्येक राजस्थानी परिवार को दस लाख (₹10,000,000/-) की नकद रहित सुविधा उपलब्ध होगी।
• खाद्य सुरक्षा अधिनियम और सामाजिक आर्थिक जनगणना 2011 के लाभार्थियों के लिए पंजीकरण कराना आवश्यक नहीं है, क्योंकि राज्य सरकार बीमा भुगतान को वहन करेगी।
• राज्य सरकार छोटे और सीमांत किसानों, संविदा श्रमिकों और अन्य लाभार्थियों के लिए बीमा प्रीमियम को वहन करेगी। ये व्यक्ति ऑनलाइन या निकटतम ई-मित्र पर पंजीकरण कर सकते हैं।
• उपर्युक्त के अलावा, अन्य परिवारों से 850 रुपये का वार्षिक प्रीमियम लिया जाएगा।
• चिरंजीवी कार्यक्रम में 5 लाख रुपये तक का दुर्घटना बीमा भी शामिल है।

Documents required for registration in Chiranjeevi Yojana

• Jan Aadhar Card.
• Jan Aadhar Registration Receipt Mandatory.
• Aadhar Card Mandatory.
• Passport Size Digital Photograph.
• Keeping all the above things in mind, you can avail the benefits of Chiranjeevi Health Scheme.

How to register online for Health Insurance Chiranjeevi Yojana?

Step 1: Go to the Rajasthan Chiranjeevi Health Scheme official website in order to apply for Rajasthan Universal Healthcare on your own. You can apply for the Chiranjeevi Yojana on its main page; select that option.

Step 2: The next page will now appear, and on it are certain written conditions, such as -

• The first is for new users; if this is you, go to sso.rajsastan.gov.in to create your sso ID first
• To log in if you are an existing user, visit https://sso.rajasthan.gov.in/signin.
• There are further points to be earned, but to access them, select the Redirect to sso id link located at the bottom.

Step 3: You must use your SSO ID to log in after visiting the Rajasthan SSO official website.

Step 4: After entering in with your SSO ID, you will be sent to the SSO Rajasthan dashboard. From there, select the Chiranjeevi Swasthya Yojana option from the application.

Step 5: Following that, you will find a few options related to the Chiranjeevi Yojana, including the Hospital Empanelled Module, Service Request, Citizen Service, Transaction Management System, and Registration for the Yojana. Here, you must select the option to register for the Chiranjeevi Yojana.

Step 6-There are two options for you to choose from on the following page: the first is free, and the second requires payment. Click the free option if you are a Rajasthani farmer or contract worker; select the second option otherwise. Following that, choose your occupation from the sub-category (farmer, contract worker, etc.).

Step7: Select your category from the list of options if you selected the free option. This includes contract workers, impoverished people (who have received government ex-gratia for Covid-19), marginalised and small farmers, and helpless families.

Step 8: Select the radio button for your Jan Aadhar ID, Jan Aadhar registration number, or Aadhar card in the following step. Then, enter the relevant ID number in the box in front and select Browse Beneficiary.

Step9: To add their digital signature, a family member must confirm the OTP they received on the phone number linked to their Aadhaar number in the following step, where you will see the names of every member of your family. Following this, more information will need to be provided. Once you've submitted the form, you can print a copy of it.

Step 10: In the event that you choose the paid option, you will then have the opportunity to pay the Rs 850/-recommended charge online.

How to Check Chiranjeevi Yojana Scheme Status?

Your application will be evaluated by the relevant authorities after it is submitted for this program. Following the completion of the process, a status link will be sent to your mobile number. By following this link, you can get to your scheme-specific dashboard. You can check your progress in the procedure by clicking this link. Should your application be denied, you'll be informed. So, to find out how your application is doing, use the internet.

Note that neither state nor federal employees are permitted to register under this plan. The Rajasthan Government Health Scheme (RGHS), which is about to be established, is open to these workers.

अस्पतालों में चिरंजीवी बीमा योजना का दावा कैसे करें?

अस्पतालों में, चिरंजीवी बीमा योजना के लिए आवेदन करना काफी आसान है। अस्पताल में भर्ती होने से पहले, उन्हें बताएं कि आप चिरंजीवी बीमा योजना के अंतर्गत आते हैं। वे इसकी जांच करेंगे और आपको आवश्यक देखभाल प्रदान करेंगे। यदि कैशलेस प्राधिकरण में कोई समस्या है, तो आपको पहले से भुगतान करना पड़ सकता है और बाद में मुआवजे के लिए दावा दायर करना पड़ सकता है।

अस्पताल में भर्ती होने से पहले

• भर्ती होने के समय अस्पताल को बताएं कि आप चिरंजीवी बीमा योजना के अंतर्गत आते हैं।
• सत्यापन के लिए अपने चिरंजीवी योजना ई-कार्ड के साथ आवश्यक दस्तावेज भेजें।
• अस्पताल आपकी पात्रता और दावा जानकारी की पुष्टि करने के लिए ऑनलाइन चिरंजीवी योजना प्रणाली का उपयोग करेगा।

अस्पताल में भर्ती

• योग्य होने पर कैशलेस थेरेपी को मंजूरी दी जाएगी। योजना द्वारा कवर किए गए किसी भी चिकित्सा व्यय की जिम्मेदारी आपकी नहीं है।
• अस्पताल के कैशलेस अस्पताल में भर्ती प्रोटोकॉल का पालन करें।
• सभी मेडिकल बिल और डिस्चार्ज रिपोर्ट को फाइल में रखा जाना चाहिए।

अस्पताल में भर्ती होने के बाद

• यदि कैशलेस प्राधिकरण में कोई विसंगति है, तो आपको पहले ही भुगतान करना पड़ सकता है, लेकिन आप बाद में मुआवज़े का अनुरोध कर सकते हैं।
• डिस्चार्ज के बाद 15 दिनों के भीतर, प्रतिपूर्ति दावों के लिए निकटतम चिरंजीवी योजना सेवा डेस्क या मान्यता प्राप्त सार्वजनिक चिकित्सा सुविधा (पीएमएफ) में आवश्यक कागजी कार्रवाई (नीचे सूचीबद्ध) जमा करें।

Documents Required to Claim Rajasthan Chiranjeevi Yojana

If you wish to submit a claim for the Chiranjeevi Bima Yojana, you will need the following essential documents.

• Chiranjeevi Yojana e-card: Required for verification of identity.
• Photo ID: The patient's official identification document.
• Complete medical records, including prescriptions, test results, and bills, are kept for the duration of hospital admission and discharge.
• Payment Receipts: In the event that a non-cashless authorisation is granted, these would be the receipts for any initial payments made.
• Bank Account Information: The account information for any reimbursement money.

Success Stories of Chiranjeevi Yojana

1. Transforming Lives

The CHIRANJEEVI YOJANA has already made a significant impact in Rajasthan by providing timely and affordable healthcare to millions of families. Several success stories showcase how this scheme has transformed lives:

• A cardiac patient from rural Rajasthan who couldn’t afford surgery received life-saving treatment worth ₹3 lakhs under the scheme.
• A farmer’s family struggling with cancer treatment costs was relieved of financial stress after availing of the scheme’s coverage for chemotherapy sessions.

2 Reduced Health Inequality

By making healthcare accessible to the poor and vulnerable, the CHIRANJEEVI YOJANA has played a key role in reducing health inequality in Rajasthan, ensuring that even rural families have access to modern healthcare facilities.

How to renew the Chiranjeevi scheme-

• Free beneficiaries: Those who qualify for the free insurance plan do not need to renew their Chiranjeevi plan; the department will take care of that for them.
• Paid beneficiaries: Families with Jan Aadhar cards will need to remit the premium in order to renew their card. Beneficiaries who have been paid can use e-mitra to pay the premium. These beneficiaries' health insurance will be active for a full year following the date of renewal.

Conclusion

The CHIRANJEEVI YOJANA is a game-changer in Rajasthan’s healthcare landscape, ensuring access to quality medical services for every family, especially the most vulnerable. With cashless treatment, a vast network of hospitals, and coverage for critical illnesses, the scheme offers financial security during medical crises. By using this comprehensive guide, you can understand the scheme, how to apply, and how to make the most of the benefits it provides for your family’s health and well-being.