Mukhyamantri Ayushman Arogya Yojana

Launched on 1 May 2021 during the state budget, this scheme, originally named Chiranjeevi Swasthya Bima Yojana and renamed Mukhyamantri Ayushman Arogya Yojana on 19 February 2024, provides universal health insurance to Rajasthan households, especially targeting economically disadvantaged groups.  The coverage has since been increased to Rs.25 lakh with an additional Rs.10 lakh accident benefit.  

Who is eligible under the scheme? 

The scheme covers: 

1. BPL families recorded in SECC 2011 and NFSA beneficiaries 

1. EWS families, small and marginal farmers, Jan Aadhaar cardholders, contract/state‑department workers, and Ayushman Bharat scheme beneficiaries. 

Those not in these categories may still enrol by paying Rs.850 annually. 

What benefits does the Yojana offer? 

1. Cashless treatment of up to Rs.25 lakh per year, plus Rs.10 lakh accident cover.  

1. Coverage of 1,576+ medical procedures (e.g., heart/liver/bone marrow transplants, cochlear implants, and hemodialysis. 

1. Pre‑hospitalisation (5 days) and post‑hospitalisation (15 days) expenses covered.  

1. Treatment available at empanelled government and private hospitals, cashless.  

1. No limit on family size or age; infants under 1 year can be covered even if not on family cards. 

How does one apply or register for Mukhyamantri Ayushman Arogya Yojana? 

1. Certain eligible groups (SECC/NFSA) are automatically enrolled. 

1. Others can register via the official portal (e.g., SSO at sso.rajasthan.gov.in), using Aadhaar or Jan Aadhaar, and pay Rs.850 if applicable.  

1. The process involves logging in, selecting category (free/paid), OTP verification, and policy issuance (downloadable or via post). 

1. Application status and policy renewal can be done online through the SSO dashboard. 

What procedures and costs are covered in the Scheme?  

The scheme addresses a wide range of medical needs, including: 

1. Cardiology (angiography, angioplasty), bypass and valve surgeries, oncology, urology (laser stone operations), joint/spine procedures (TKR, THR), dialysis, general surgery, and laparoscopic treatments.  

1. All-inclusive hospital costs such as bed charges, OT, medicines, investigations, protective equipment, consultancy, and OT/anesthesia expenses are part of the cover. 

How does it benefit vulnerable groups? 

This Yojana has a clear objective: to offer robust and financially risk-free healthcare to vulnerable sections, BPL, SECC, NFSA, small farmers, contract workers, ensuring treatments even for life‑threatening illnesses are accessible with no out-of-pocket expenses.  The inclusion of expensive treatments and government-funded premiums makes it a powerful social safety net.  

What’s the network and support infrastructure like? 

Beneficiaries may access services at both government and private empanelled facilities—over 2,000 hospitals across Rajasthan participate in the network.  A helpline and official website provide updates on hospitals, status checks, and queries.  

FAQs 

• What is the annual premium amount for non-eligible individuals under the Mukhyamantri Ayushman Arogya Yojana? Individuals who are not automatically eligible under the scheme must pay an annual premium of Rs.850 to enrol. 

• Does the scheme cover pre-existing medical conditions from the first day of enrolment? Yes, the Mukhyamantri Ayushman Arogya Yojana provides coverage for all pre-existing illnesses starting from day one. 

• Can newborn babies under one year of age be covered even if their name is not listed on the family card? Yes, newborns under one year can be covered by generating a TID (Transaction ID) using a family member’s details. 

• Are COVID-19 treatment and dialysis included in the list of covered procedures under this scheme? Yes, the scheme explicitly includes treatment for COVID-19 and regular dialysis among its covered medical services. 

• Is it possible to receive treatment outside of Rajasthan under the Mukhyamantri Ayushman Arogya Yojana? No, the scheme primarily provides cashless treatment only within empanelled hospitals in the state of Rajasthan. 

• How can a beneficiary add a new family member to the policy under this scheme? New family members can be added through the Rajasthan SSO portal using Jan Aadhaar credentials and required details. 

• What types of medical procedures are covered under the Mukhyamantri Ayushman Arogya Yojana? The scheme covers a wide range of procedures including cardiology, oncology, joint replacements, dialysis, and general surgeries.