Chiranjeevi Health Insurance Scheme

Chiranjeevi Health Insurance Scheme is a government initiative in India aimed at providing affordable life insurance coverage to individuals belonging to economically weaker sections of society. It was launched in 2007 and the scheme was named after the renowned Indian actor, Chiranjeevi, who played a crucial role in promoting the program. The Rajasthan government provides the Chiranjeevi Health Insurance Scheme, giving families in the state cashless medical insurance up to Rs 25 lakh. This health scheme has been open to all Rajasthan families since May 01, 2021.

In this article, we have provided the details about Chiranjeevi Health Insurance Scheme, its benefits, eligibility, features, and Impact.

What is the Chiranjeevi Health Insurance Scheme?

The Chief Minister of Rajasthan, Shri Ashok Gehlot, told everyone about this plan in the 2021-22 State Budget. Rajasthan is the first state in India to give health insurance to everyone. In the Rajasthan Budget for 2023-24, they said the Chiranjeevi Yojana will now give even more help for medical costs. Before, it covered up to Rs 10 lakh each year and had Rs 10 lakh for accidents. Now, they increased it to cover up to Rs 25 lakh for medical costs and Rs 10 lakh for accidents. At first, it started with Rs 5 lakh coverage and later went up to Rs 10 lakh with Rs 5 lakh extra for accidents. Already, over 12 lakh people got free medical help using this plan.

Families that are given free benefits under Chiranjeevi Health Insurance Scheme:

• Farmers (Minor and Insignificant)
• Contractor (all departments/boards/corporations/government companies).
• National Food Security Act(NFSA).
• Families are eligible for the socio-economic census.
• Destitute and helpless families (Covid-19 Ex- Gratia).

All the above-mentioned families do not have to deposit any kind of premium, it is 100% given by the state government.

In addition, everyone wishing to participate in the system must pay a premium, such as Rs 850 per family annually. Alternatively, they can receive the benefits of the scheme by paying half of the fixed premium, or Rs 850 per family annually. The government is offering you a bonus of 50% of the remaining premium.

Read More:

• Criticisms, Eligibility, and Impact of Economically Weaker Section
• Ayushman Bharat Yojana
• Rashtriya Swasthya Bima Yojana

Advantages of Chiranjeevi Health Insurance Scheme

The programme states that all government hospitals as well as certain private institutions are eligible to receive its benefits. This health-conscious insurance plan includes the following packages.

• The registration cost
• Bed costs
• Nursing costs and recruitment costs
• costs for testing and X-rays, etc.

The plan states that the costs of the tests, medications, and doctor’s consultation fees performed in the hospital about the illness for which the patient is admitted, five days before and fifteen days following release, are included in the package amount.

Key Features of Chiranjeevi Health Insurance Scheme

Chiranjeevi Health Insurance Scheme is a government initiative in India aimed at providing health insurance coverage to individuals in the unorganized sector. The key features of the scheme includes:

1. Coverage: Those between the ages of 18 and 70 are eligible for health insurance coverage under this program. A large sum guaranteed of Rs 25 lakh is provided by the policy. 1798 medical treatments and packages are covered by the Chiranjeevi Yojana.
2. Premium: In case of hospitalization or medical treatment, the Chiranjeevi Health Insurance Scheme offers financial protection up to Rs. 5 lakhs, the sum insured. Providing the state with simple, inexpensive access to high-quality healthcare is the project’s main goal. With benefits up to ₹5 Lakhs and a yearly premium of just ₹850, or ₹70.8 per month, it covers over 1,500 medical ailments and treatments.
3. Cashless Treatment: Hospitals with endorsed programs are able to provide cashless care to recipients. examining the cost load in times of need. The Chiranjeevi Yojana Rajasthan is a government program that provides medical coverage to all state permanent residents without requiring them to pay cash. All families in Rajasthan have access to the plan, which offers coverage up to Rs. 5 lakh.
4. Pre- existing conditions: Pre-existing conditions are covered by the plan from the beginning, guaranteeing coverage for anyone with pre-existing medical issues. On the other hand, the state government would pay the whole cost of insurance for families, small companies, and contract workers who comply with the National Security Act (NFSA) and Socio-Economic Cooperation (SECC 2011).
5. Non-age-based Premium Increases: Health insurance premiums go up as people age since it’s thought that as people get older, their chances of developing health issues go up as well, which is why premium costs go up in tandem. Pregnant women from economically disadvantaged backgrounds were the main target audience for the Chiranjeevi Health Insurance Scheme, which did not usually use the standard insurance premium model where rates are set according to age or other variables. Rather, it was a government-funded scheme for which the government or the implementing agency reimbursed the participating private hospitals for services rendered to qualified beneficiaries at a set rate.

Benefits and Impact of Chiranjeevi Health Insurance Scheme

The Chiranjeevi Health Insurance Scheme offer several benefits and has a positive impact on individuals and society. there are some benefits and impacts.

1. Financial Protection: By offering up to Rs. 5 lakhs in financial coverage, the initiative shields participants from expensive medical bills and lessens their financial burden associated with receiving healthcare. The Chiranjeevi Health Insurance Scheme aimed to guarantee that even economically disadvantaged families could obtain quality healthcare without worrying about the financial burden associated with childbirth expenses by providing financial coverage for maternity services in accredited private hospitals.
2. Access to Quality Healthcare: Empaneled hospitals’ cashless treatment centers guarantee that patients can receive high-quality medical care without having to worry about paying for it right away. The main goal of this project is to make high-quality healthcare easily and affordably accessible throughout the state. For a yearly premium of just ₹850, or ₹70.8 per month, it provides benefits up to ₹5 Lakhs and covers over 1,500 medical diseases and treatments.
3. Social Security: By providing health insurance to those working in the unorganized sector, who frequently do not have access to traditional forms of employment benefits, the Chiranjeevi Health Insurance Scheme supports social security. By guaranteeing healthcare access for individuals who might not otherwise be able to pay for it, the Chiranjeevi Health Insurance Scheme was a component of attempts to improve social security. The program’s objectives were to improve mother and child health outcomes and lower financial barriers to healthcare services.
4. Health Awareness: Another goal of the scheme is to raise recipients’ knowledge of healthcare services and health issues, encouraging early diagnosis and preventative treatment. The Chiranjeevi Health Insurance Scheme was designed to raise awareness among economically disadvantaged populations about the significance of healthcare during pregnancy and childbirth, with a special emphasis on maternal health.

Summary – Chiranjeevi Health Insurance Scheme

The Chiranjeevi Health Insurance Scheme stands as a testament to the government’s commitment to promoting inclusive healthcare. By providing comprehensive coverage to the under privileged, it has not only improved financial security but also enhanced healthcare accessibility and quality. As the scheme continues to evolve and expand its reach, it remains a vital instrument in bridging the gap between marginalized communities and essential healthcare services.

FAQs on Chiranjeevi Health Insurance Scheme

1. Who is eligible for the Chiranjeevi Yojana benefits?

The fundamental requirement for eligibility under the Chiranjeevi Health Insurance Scheme Rajasthan and other program is to be a permanent resident of Rajasthan. This initiative is also open to all other families, small farmers, NFSA card holders, department Samvida personnel, and SECC 2011 registered families.

2. What’s the Rajasthan Chiranjeevi Yojana’s limit?

On Wednesday, Mr. Gandhi referred to the “Chiranjeevi Health Insurance Scheme” of the Rajasthani government as the nation’s greatest free treatment program. The program provides free medical care up to ₹25 lakh. If the ruling Congress comes back to power, it has pledged to raise this insurance to 50 lakh.

3. When was the Chiranjeevi Yojana launched?

Launching the Mukyamantri Chiranjeevi Swasthya Bima Yojana is Ashok Gehlot. The plan went into effect on May 1, 2021.

4. Is Chiranjeevi Yojana accident coverage?

Financial coverage for health insurance is up to Rs 10 lakh. Coverage for accidents is up to Rs 5 lakh.

5. What is the Chiranjeevi Yojana’s death claim?

5 lakh will be given in the event that an insured family member or members pass away in an accident or if their hands, feet, or eyes are permanently damaged as a result of the accident.