Rajasthan Universal Health Insurance Scheme Plan

Needless to say, the coronavirus pandemic has made everyone realize the importance of good health. It is the most valuable asset for any human being compared to any other luxuries of life because, without proper health, it is impossible to attain other life goals. However, apart from the privileged, healthcare was out of reach for certain sections of the society, who did not have a choice apart from relying on the public healthcare system for treatments. To address these, state governments of India are also spending a lot to provide improved health care facilities to its citizens, especially to those who belong to the lower class of the society and below poverty line families. The ‘Mukhyamantri Chiranjeevi Swasthya Bima Yojana launched by the chief minister of Rajasthan, Ashok Gehlot, is one such health insurance scheme intended to offer cashless medical treatment to the residents of the state of Rajasthan.

The Chiranjeevi health insurance scheme by Rajasthan’s state government aims to cover all the citizens of the state of Rajasthan for up to 5 lakh rupees irrespective of their financial background. This entitles them to get cashless healthcare facilities up to 5 lakh rupees for various illnesses and health problems. Among the other Rajasthan government health insurance schemes, this is one of the cheapest health care policies available for the people of that state, as they are eligible for an insurance cover of up to Rs.5 lakhs for a premium of just Rs.850 per family per annum.

Who is Eligible to Apply?

This Mukhyamantri Chiranjeevi Swasthya Bima Yojana is intended to offer quality, equal and affordable treatment for everyone in the state of Rajasthan. While the insurance scheme is free for the families that fall under BPL, NFSA, SECC, and other schemes meant for the poor and under-privileged sections of the society. The complete list of category of people who are eligible for this Rajasthan Govt health insurance scheme for free are given below:

Who can Apply for Rajasthan Govt Health Insurance Scheme

• NFSA (National Food Security Act) Card Holders
• Contractual farmers
• SECC (Socio Economic Caste Census 2011) beneficiaries
• Marginal as well as small farmers
• Families belonging to COVID-19 ex-gratia list
• Samvida workers of all departments
• Jan Aadhaar Card Holder Families

This being a universal health insurance scheme, families that do not fall under any of the above categories can still get coverage and facilities offered by paying an annual premium of ₹850.

The beneficiaries of the Rajasthan health insurance scheme are eligible to avail cashless treatment at private hospitals and government hospitals that are impaneled under the scheme. Not limited to the treatment of covid-19 and black fungus, 1567 health packages are covered under this policy, including seven days’ prior admission and 15 days’ post-discharge expenses, including consultation fees, tests, medicines, etc. A total of 756 government/public hospitals and more than 450 private hospitals have been enlisted to be part of this health insurance scheme, where people can avail cashless treatment.

To avail of these benefits, one must possess a Jan Aadhaar card, and those who do not have it are required to apply for the same and register for health schemes in Rajasthan. All those who are already taking advantage of the Mahatma Gandhi Ayushman Bharat Health Insurance Scheme are not required to enroll for Chiranjeevi Yojna. Government employees, elected representatives of the government of Rajasthan are not eligible to avail of the Chiranjeevi scheme.

What documents are needed for the Registration? 

To apply for Mukhyamantri Chiranjeevi Swasthya Bima Yojana, it is mandatory to produce the below documents at the time of registration.

• Aadhaar Card
• Mobile number
• Passport size photograph
• Address Proof
• Ration Card
• Income certificate
• Bank Account statement
• BPL Certificate

How to register for Rajasthan Uniliver Health Insurance Scheme? 

For getting benefits of the Rajasthan Universal Health Insurance scheme, one has to complete the necessary prerequisites to complete the registration process. The first and foremost requirement of registering as a beneficiary under this scheme is to have your Jan aadhaar card. Since the features offered to beneficiaries differ based on an individual’s income, it is also required for you to keep your income certificate ready for verification of the same at the time of registration.

Visit www.sso.rajasthan.gov.in/register to start the registration process for the Chiranjeevi health insurance scheme. Follow the instructions on the screen for completing the procedure successfully. Since the benefits are extended not only to the individual but to the entire family, you need to enter the names of other beneficiaries in the family, too, to enable coverage for them as well. Remember to have your Jan aadhaar numbers and passport photographs of all the interested members to enroll in the scheme as each beneficiary gets coverage of up to 5 lakhs.

Things to know About Rajasthan Universal Health Insurance Scheme

If you are interested in applying for the Rajasthan universal health insurance, certain terms of the scheme are listed below for your better understanding.

• To avail of all the features offered by the scheme, applicants should provide necessary proof that they are indeed permanent residents of the state of Rajasthan.
• The Rajasthan government has set up a 24/7 call center primarily for beneficiaries of the scheme to help them with all the necessary details regarding hospitalization, coverage, doubts, etc. It also handles all the received complaints with appropriate resolutions.
• The state government is assigning nodal officers at every zone to ensure smooth scheme implementation by the hospitals within that region and instant resolutions of complaints lodged by beneficiaries.
• According to the rules framed by the government, no hospital enrolled under the Chiranjeevi health insurance scheme must charge any amount from patients registered under the scheme for the treatment of mucormycosis, black fungus, or COVID-19. If the hospital has been charged for the treatment for the mentioned illnesses, the complete amount should have to be refunded to the beneficiary.