Chirayu Ayushman Scheme

Healthcare costs in India are rising at an alarming rate (12-15%), which often pushes families into debt. To combat this, the Haryana government launched the Chirayu Ayushman scheme on November 21, 2022. While the central Ayushman Bharat scheme was limited to Socio-Economic Caste Census (SECC)-2011 data, Chirayu Ayushman uses the state's Parivar Pehchan Patra (PPP) database to identify beneficiaries. The scheme also relaxes income limits and brings quality healthcare within reach of middle-class households without forcing them to drain their savings.

In this guide, we break down everything you need to know about the Chirayu Ayushman health scheme, from eligibility and coverage to exclusions and how to apply.

Key Features of Chirayu Ayushman Haryana Scheme

• Extensive Health Cover Across Many Treatments: Chirayu Ayushman Bharat provides cashless health insurance covering a wide range of medical, surgical, and daycare procedures under PM-JAY guidelines (includes medicines and diagnostics). Official package numbers are 1,500+ procedures spanning many specialty areas.
• No Limits on Family Size or Age: There are no caps on family size or age restrictions for beneficiaries.
• Cashless and Paperless Treatment: Treatment under the scheme is cashless and paperless at all empaneled government and private hospitals, with services directly billed through the system.
• Pre-Existing Conditions Covered from Day One: All pre-existing illnesses are included from the moment a beneficiary enrolls. There’s no waiting period before coverage begins.
• Pre & Post Hospitalization Benefits: It covers associated costs, including diagnostics and medication, with benefits extending to 3 days before admission and 15 days after discharge.
• Pan-India Hospital Access: Haryana-issued Ayushman/Chirayu cards are valid at empaneled hospitals throughout India, not just within the state. This enables beneficiaries to get care while travelling or residing elsewhere. 

Eligibility and Application Process for Chirayu Ayushman Scheme

Note:

• Mandatory Family ID: You cannot apply or be eligible for Chirayu Ayushman without a verified Parivar Pehchan Patra (PPP). The income mentioned in the PPP is considered final.
• No Age or Size Cap: Unlike old insurance schemes, there is no limit on the number of family members or their ages. A family of 10 is covered under the same ₹5 lakh floater. If the bill exceeds the annual limit, the beneficiary must pay the remaining balance out of pocket or through private insurance.
• Enrollment Window: For paid categories, subscriptions and renewals are opened annually for a limited period, as notified by the state. After this period, benefits activate for the policy year. Also, availability and slabs can change; always verify on the official portal.
• Aadhaar Linking: Your Aadhaar must be linked to your PPP and mobile number to complete the e-KYC for the Chirayu Ayushman card.

Pro Tip: If your income has changed but isn't updated in your PPP, you must first file an "Income Correction Request" before applying for the scheme, as the Chirayu Ayushman Haryana eligibility is pulled automatically from that data. 

How to Apply for the Chirayu Ayushman Card?

1. Check Your Status: For Chirayu Ayushman Haryana apply online, visit the Chirayu Haryana Portal. Enter your 8-digit Family ID (PPP). The system will show your income tier. If you earn under ₹1.80 lakh, your cover is free. If you earn more, the portal will show you a small fee (between ₹1,500 and ₹5,000) to join.
2. Pay the Fee: If your category requires a contribution, pay it online using UPI, net banking, or a card during the Open Enrollment window (July 1 – September 30). Keep your digital receipt safe. Coverage does not start immediately. After the October processing period, your Chirayu Ayushman card and benefits become active from November 1, running until October 31 of the following year. Note that the dates mentioned are typical for the scheme, but timelines may vary. Always check the official portal for the enrollment and policy periods.
3. Verify Your Identity (e-KYC): Download the "Ayushman App" from the Google Play Store. Log in with your phone number. Find your family members using your Family ID. Use your phone’s camera (Face Auth) or an SMS code (Aadhaar OTP) to verify each person.
4. Download Your Card: After you submit the e-KYC, the National Health Authority (NHA) reviews your details. If your Aadhaar and Family ID data match, they approve the request quickly. Once the status turns green and says "Approved," click the download button. You now have your digital Chirayu Ayushman card. Print a copy to keep in your wallet for emergencies.
5. Get Expert Help: If you have trouble online, go to a local Common Service Center (CSC). Bring your Aadhaar card and Family ID. They can finish the whole process for you for a small fee.

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Conclusion

Chirayu Ayushman is a powerful public safety net for families in Haryana. It extends the reach of Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana with a cashless cover for major hospital treatments. But it shouldn’t be treated as your primary health plan. Government schemes are eligibility-based and come with caps, fixed package lists, limited to no OPD coverage, and lower overall coverage. If you can afford it, pair Chirayu with a comprehensive private health insurance policy. Private plans offer higher coverage, wider hospital choices, better facilities, and greater flexibility for everyday medical needs.