What Is Mukhyamantri Chiranjeevi Swasthya Bima Yojana?

Mukhyamantri Chiranjeevi Swasthya Bima Yojana, renamed in Feb 2024 to Mukhyamantri Ayushman Arogya Yojana (MAAY), is Rajasthan’s state health scheme offering cashless treatment (up to ₹25 lakh annually per family). Priority groups are entitled to free cover while other resident families can enroll by paying ₹850/year using Jan Aadhaar facility via SSO or e-Mitra. Families insured under MAAY are also entitled to a separate state accident cover Mukhyamantri Ayushman Accident Insurance (MADBY) for specified accidental events.

Medical expenses hit all families, and hospitalisations make it worse. If you’re a resident of Rajasthan you must have heard about the state-sponsored, flagship health plan Chiranjeevi (or Mukhyamantri Chiranjeevi Swasthya Bima Yojana). It is currently made available via the MAA-YOJANA app inside Rajasthan SSO. 

At Ditto, we’ve seen how state schemes meaningfully bridge access, and we’ve helped thousands of customers understand how these work alongside private policies.

In this guide, you will learn : 

    • How Mukhyamantri Chiranjeebi Swasthya Bima Yojana works,
    • What is the eligibility criteria, 
    • What documents are required,
    • How to register and check status, and
    • Why you should pair MCSBYwith a personal health plan  

What is Mukhyamantri Chiranjeevi Swasthya Bima Yojana?

Mukhtamantri Chiranjeevi Swashtya Bima or MAAY offers cashless hospitalization for in-patient care at empanelled government and private hospitals. The scheme is still referred to as “Chiranjeevi” in some places and users will have to use the Rajasthan SSO, then select MAA-YOJANA to register their family. Alternatively, one can also use the Chiranjeevi portal.

The 2023–24 State Budget raised the ceiling for MCSBY from ₹10 lakh to ₹25 lakh per family annually. Therefore, MCSBY can act as a solid first line of cover for expensive hospitalization. However, pairing it with a personal family floater health insurance gives more control over choice of hospitals, room class, and portability. 

A government-sponsored healthcare scheme like MCSBY is always welcome. But it won’t be of much help if you need more coverage and flexibility for a serious ailment.

Book a free call with Ditto and let our IRDAI-certified advisors guide you to find the best health insurance plan. 

Mukhyamantri Chiranjeevi Swasthya Bima Yojana: Key Features (2025)

Substantial coverage:

A cashless cover of ₹10 lakh-₹25 lakh per family is offered annually.

Affordable premium model:

There’s no premium to be paid for notified priority groups, like NFSA/SECC households and small and marginal farmers. For other resident families, the premium is super affordable at just ₹850/year per family. The state subsidizes the rest.

Access to accident insurance (a linked scheme):

All families insured under MCSBY are also entitled to the benefits of Mukhyamantri Ayushman Accident Insurance. It offers ₹5 lakh on accidental death of one family member, and up to ₹10 lakh if multiple members of the same family passes away in the same accident. Graded benefits for permanent disability also apply.

Family mapping via Jan Aadhaar:

MCSBY benefits are linked to one’s Jan Aadhaar family ID. To add, remove, split, or merge family members, update your Jan Aadhaar first. Once verified, the scheme records update automatically.

How Does Cashless Treatment Work Under Chiranjeevi/MAAY? 

    • Cashless treatment under Chiranjeevi/MAAY kickstarts with a pre-authorization request via the official portal. 
    • Once it's approved, the treatment proceeds cashless under a specific package. 
    • At discharge, the hospital settles the bill as per the scheme provisions. 
    • The insured will have to pay for non-medical items though. In case a cashless facility is denied, the empanelled hospital must report the issue via the MAAY helpline. 
    • One can also reach out to the district nodal team (the details are listed on the MAAY portal).

What Is The Eligibility Criteria For Mukhyamantri Chiranjeevi Swasthya Bima Yojana?

    • There are quite a few factors determining the eligibility criteria for Mukyamantrau Chiranjeevi Swasthya Bim Yojana. L Aadhaar e-KYC is mandatory for every member (its a family-based scheme via Jan Aadhaar)  
    • Free coverage is limited to families listed under state priority categories, like NFSA/SECC households and small & marginal farmers. 
    • All other resident families of Rajasthan can enroll for MCSWBY by paying ₹850 per family annually (the state subsidizes the balance premium).
    • One can enroll either via the Rajasthan SSO (MAA-YOJANA) portal or by visiting an e-Mitra center.

One must confirm their family’s Jan Aadhaar mapping and category status before applying for MCSBY.

Important checkpoints:

1) Remember, the enrollment and member mapping is based on your Jan Aadhaar (Family ID).

2) Always update your Jan Aadhaar before enrolling to avoid hassles later.

3) Keep your Aadhaar details handy for e-KYC verification.

What Documents Are Required for Mukhyamantri Chiranjeevi Swasthya Bima Yojana?

To register for MCSBY, you will need only those documents that establish your identity and family category (priority group or other resident). 

Documents that are mandatory for all families include: 

    • Jan Aadhaar (family card) mapping the entire family to MAAY
    • Aadhaar card for e-KYC (mandatory for Head of Family and members over 5 years)
    • A valid mobile number for OTPs and status updates

If you’re applying under a free category, the documents required are NFSA ration card, land details (for small/marginal farmers) certificate, and worker ID/letter (for contractual workers). Must do: Before enrolling, fix your Jan Aadhaar, especially outdated names/relationships or change of status for head of family. After verification, the changes will be auto-synced to MAAY. 

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How To Register For Mukhyamantri Chiranjeevi (MAAY) (Online & e-Mitra)

There are two ways to register for MCSBY, self service via online and through e-Mitra. 

Steps to follow for MAAY self-registration:

    • Log on to sso.rajasthan.gov.in.
    • Select the MAAY/health insurance service and fetch your family details via Jan Aadhaar.
    • Complete Aadhaar e-KYC, verify family members, and Submit. You can pay the charges online using a credit card/debit card or UPI and download/print the confirmation/e-card.

Steps to follow for assisted enrollment into MCSBY (Via e-Mitra): 

    • Walk into any e-Mitra kiosk with all requisite details like Jan Aadhaar documents and  Aadhaar. 
    • The operator will complete the e-KYC process on your behalf and enroll your family. 
    • Once the process is over, ask for an acknowledgement/e-card. 

How To Check The Status Of Mukhyamantri Chiranjeevi/MAAY Online? 

To check the status of MCSBY/MAAY, visit the Jan Soochna portal. The only document you need is your Jan Aadhaar. 

Steps to follow for checking the status of MCSBY/MAAY: 

    • Log into Jan Soochna portal.
    • Navigate to Mukhyamantree Ayushman Arogya Yojana. 
    • Select Beneficiary Details / Status.
    • Enter your Jan Aadhaar number to view your family’s status.

Alternatively, you can login into Rajasthan SSO, open the MAA-YOJANA app, and Check the Registration Status option. Keep your Aadhaar details ready for OTP verification. 

How to find government and private facilities offering cashless treatment under MCSBY:

1)Log on to Jan Soochna Portal.

2) Navigate to Mukhyamantree Ayushman Arogya Yojana section.

3)Select Hospitals List.

4)Filter by district/city ( like Jaipur, Udaipur, Jodhpur, Ajmer, etc.) to display the list of empanelled hospitals.

Why Families Still Need A Personal Health Plan: Ditto’s Take

A government-sponsored health cover like MCSBY exists for one broad reason; to protect vulnerable families (priority groups) with a base cover for hospitalization. While it qualifies as a social protection, it can never function as a comprehensive health insurance.

Essentially, MCSBY is meant for families in Rajasthan that are :

    • listed under state priority categories, 
    • in desperate need of assured, cashless inpatient care,
    • comfortable with state hospital network and package rates, and 
    • satisfied with the ₹25 lakh cover and don’t want to navigate the fine print of a private health plan.

While MCSBY/MAAY promises good benefits, it’s extremely  limited. Cashless works only at empanelled hospitals (your preferred doctor may not be available), non-medical consumables, personal extras and room upgrades aren’t covered, and the fixed accident benefit is capped at ₹10 lakh. Considering how state budgets and rules change, real time claims can be dicey.  

A private health plan plugs such gaps by letting you choose your hospital and room (even outside Rajasthan), set the sum insured, tweak room-rent limits, add restoration and top-ups with OPD and annual health checks. You also get to carry waiting-period credits if you port insurers.

At Ditto, our IRDAI-certified insurance experts guide you better to build the ideal health insurance plan for your unique needs. 

Why Choose Ditto For Health Insurance?

At Ditto, we've helped over 7,00,000 customers become smart insurance buyers with no-fluff, IRDAI-certified advice, and real-time insights. Not just suggesting you a bunch of health plans, but mapping your unique life needs to a comprehensive cover. That is why customers trust and recommend Ditto every time. 

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The Bottom Line

As a state-backed health cover, Mukhyamantri Chiranjeevi Swasthya Bima Yojana protects against expensive hospitalization across Rajasthan. In fact, it's one of the most comprehensive government health schemes in the country (compared to regular PMJAY that offers only 5L cover).

Yet for most families, having access to a desired sum insured, nationwide hospital choice, room rent control, and add-ons is only possible with a complementary personal health insurance. 

Book a free, 30-minute call with Ditto where we guide you to pick the right health insurance plan that covers all grounds.

FAQs: 

What is the official web portal to apply for Mukhyamantri Chiranjeevi/MAAY?

The official web portal to apply for Mukhyamantri Chiranjeevi Swasthya Bima Yojana pr MAAY is MAA-YOJANA.rajasthan.gov.in. The portal lists the scheme in detail with all related links and the enrollment happens via SSO or e-Mitra.

Once registration is done, how do I add or delete a family member?

You can add or delete a family member using the Jan Aadhaar portal. It supports Adding Members, Changing the Head of Family, and Splitting Family. Once done, the changes will auto reflect in the scheme. 

What is the coverage amount of MAAY and do general residents pay a premium?

The coverage amount of MAAY is ₹25 lakh per family yearly and general resident families outside can enroll by paying ₹850/year. Families listed under priority categories can enroll free. 

How do I find empanelled hospitals near me?

You can search for your nearby empanelled hospitals via the Jansoochna MAAY Hospitals List search.

Is there any accident cover tied to the Mukhyamantri Chiranjeevi Swasthya Bima Yojana?

Yes, there is an accident cover called Mukhyamantri Ayushman Accident Insurance (MADBY) that offers a few pre-defined payouts, like ₹5 lakh for a single accidental death and up to ₹10 lakh for multiple deaths (of the same family member) in the same incident. There are also different slabs for slabs for disability. Check out mcdbysipf.rajasthan.gov.in to know more. 

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