Chirayu Ayushman Haryana Health Insurance Scheme

Chirayu Ayushman Haryana Pradhan Mantri Jan Aarogya Yojana

The “Chirayu Ayushman Haryana Health Insurance Scheme” or “Chirayu Ayushman Scheme” (Comprehensive Health Insurance of Antyodaya Units) is an extended unit of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) specifically for the Haryana region. This scheme is committed to providing ₹5 lakh in annual health coverage per family on a floater basis, covering secondary and tertiary care (major hospital treatments), not OPD. This medical care coverage can be utilised for cashless treatment at empanelled hospitals across India. Eligibility criteria are linked to Haryana’s Parivar Pehchan Patra (PPP). On the other hand, healthcare expenses in India are rising rapidly, which often pushes individuals or their families into debt. To address this, the government of Haryana launched the Chirayu Ayushman scheme on November 21, 2022.

Unlike the central Ayushman Bharat scheme, which relies on SECC-2011 data, the Chirayu scheme uses the state’s Parivar Pehchan Patra (PPP) data for eligible beneficiaries. The scheme also relaxes income limits and brings quality healthcare within reach of middle-class households without forcing them to deplete their savings. Let’s dive into the key features of the Chirayu Ayushman Haryana health insurance scheme.

Potential Features of Chirayu Ayushman Haryana Health Insurance Scheme

• Extensive Health Coverage for Multiple Treatments: Chirayu Ayushman Bharat scheme offers cashless treatment covering a wide range of medical, surgical, and daycare procedures under the guidelines of PM-JAY (includes medicines and diagnostics). Official 1,500+ procedures are available for beneficiaries, spanning many speciality areas.
• Irrespective of Family Size or Age: There are no caps on family size or age restrictions for beneficiaries.
• Cashless Treatment Facilities with Minimal paperwork: Beneficiaries can take cashless and paperless treatment under the scheme at all tied-up government and private hospitals, as medical care services are directly settled through the system.
• Pre-Existing Conditions Coverage from Day One: All pre-existing ailments are covered from the moment a beneficiary enrols. There’s no waiting period before health insurance coverage kicks in.
• Pre- and Post-Hospitalisation Expenses Benefits: It covers all pre- and post-hospitalisation expenses, including diagnostics and medication, with coverage extending to 3 days before admission and 15 days as a post-hospitalisation care coverage.
• Pan-India Hospital Access: Ayushman/Chirayu cards issued by the Haryana government are valid at tied-up hospitals across India, not just within the state. This further extends advantages for beneficiaries to get care while travelling or residing elsewhere.

What is Included Under the Chirayu Ayushman Scheme?

• Pre- & Post-Hospitalisation Care: Beneficiaries can take advantage of diagnostics and meds up to 3 days prior to surgery, and follow-up care and meds for 15 days after discharge.
• Secondary & Tertiary Care: Major surgical procedures related to the heart, kidney, cancer, etc.
• Critical Medical Support: Covered expenses for ICU charges and ventilator support
• Daycare Procedures: Provides coverage for surgeries requiring less than 24 hours of hospitalisation.
• Diagnostics: MRI, CT scans, X-rays, and all lab tests associated with the specific treatment package are covered under the Chirayu Ayushman scheme.

Key Exclusions

• Outpatient Benefits
• Cosmetic Procedures
• Dental Care
• Fertility Treatment
• Unlisted Procedures
• Diagnostic Only

What are the Eligibility Criteria for the Chirayu Ayushman Haryana Health Insurance Scheme?

• For Antyodaya families who have an income < ₹1.80 lakh, families should have a verified annual income of up to ₹1.80 lakh in the Parivar Pehchan Patra (PPP) database.
• For the lower middle class who have an income of ₹1.80 lakh – ₹3 lakh, families should have a verified income between ₹1.80 lakh and ₹3 lakh.
• For the middle class who have an income of ₹3 lakh – ₹6 lakh, families should have a verified income between ₹3 lakh and ₹6 lakh.
• For the upper middle class with an income above ₹6 lakh, as per the 2025 expansion by the Haryana government.
• For individuals with disabilities, all divyangjan individuals and families should be registered in the state database.
• For special worker categories, contractual employees (HKRNL), chowkidars, Mid-Day Meal workers, and Gramin Safai Karamcharis.
• All residents of Haryana aged 70 and above (as per the 2024 expansion of Ayushman Vay Vandana).

Document Required To Apply for the Chirayu Ayushman Scheme

Eligible families are required to provide essential documents such as a primary identifier, identity proof, address proof, income proof, contact details, a special category certificate and health ID (optional) to apply for the Chirayu Ayushman scheme.

• Parivar Pahchan Patra (Family ID)
• Aadhar Card (Linked with Mobile number)
• Voter ID/ Ration Card
• Self-Declaration/ Income Certificate
• Registered Mobile Number
• Caste Certificate (SC/ ST)
• ABHA Card Number

How to Apply For the Chirayu Ayushman Card?

Step 1: Check Your Status: To apply online for the Chirayu Ayushman Card, visit the official government website of the Chirayu Haryana portal. Enter your 8-digit Family ID (PPP). The system will automatically reflect your income category. If you earn within ₹1.80 lakh, your cover is free. If you earn more, the portal will reflect a minimal fee (between ₹1,500 and ₹5,000) to join.

Step 2: Pay the Fee: If your category requires a contribution, pay the required amount online using UPI and net banking. Keep your digital receipt handy for future reference. Coverage does not begin immediately. After the October processing period, your Chirayu Ayushman card and benefits commence from 1 November, running until October 31 of the following year.

Please note that the dates mentioned are typical for the scheme, but timelines may differ. To avoid confusion, always check the official portal for the enrollment and policy periods.

Step 3: Verify Your Identity (e-KYC): Download the Ayushman App. Log in with your registered phone number. Find your family members by entering your Family ID. Use your phone’s camera for face authorisation or an SMS code (Aadhaar OTP) to verify each family member.

Step 4: Download Your Card: The National Health Authority (NHA) reviews your details once you submit e-KYC. If your Aadhaar and Family ID data match, they approve the request promptly. Once the status shows "Approved," tap on the download button. Now, you have your digital Chirayu Ayushman card. Print a copy to keep it handy for emergencies.

Step 5: Get Expert Help: In case you have trouble online, visit any local Common Service Centre (CSC). Keep your Aadhaar card and family ID handy. They can finish the whole process for you at a minimal fee.

Wrapping It Up!

Chirayu Ayushman health insurance scheme is a powerful public financial protection for families in Haryana. It is an extension of Pradhan Mantri Jan Arogya Yojana with a cashless treatment coverage for major hospital treatments. However, government health insurance schemes have certain limitations that are eligibility-based, fixed package lists, confined to no OPD coverage, and lower overall coverage. If your pocket allows you to pair the Chirayu health insurance scheme with a private comprehensive health insurance policy, as private insurance is specifically designed to offer higher coverage, enhanced medical care, wide hospital choices and greater flexibility for personalised medical care needs.