Introduction to Chirayu Haryana Scheme
Universalizing comprehensive health protection and protecting families from catastrophic hospital expenditures is a core health objective in Haryana. To expand the coverage of the central Ayushman Bharat PM-JAY scheme to millions of additional residents, the Government of Haryana launched the pioneering Chirayu Haryana (Comprehensive Health Insurance Scheme).
Under Chirayu Haryana, the state government provides ₹5 Lakh cashless inpatient hospitalization cover per family per year. For families with a verified annual income up to ₹1.80 Lakh in the Parivar Pehchan Patra (PPP) database, the coverage is 100% free with zero premium. For families earning between ₹1.80 Lakh and ₹3.00 Lakh, the same ₹5 Lakh cover is extended at an extraordinarily nominal annual contribution of just ₹1,500.
Program Overview and Eligibility Tiers
| Beneficiary Tier | Verified PPP Annual Income | Annual Family Contribution | Cashless Health Cover |
|---|---|---|---|
| Tier 1 (Free Chirayu) | Annual income up to ₹1,80,000 | ₹0 (100% Free, fully funded by Haryana Govt) | ₹5 Lakh per family per year |
| Tier 2 (Chirayu Extension) | Annual income between ₹1,80,001 and ₹3,00,000 | ₹1,500 per family per year | ₹5 Lakh per family per year |
| Covered Procedures | Over 1,900 surgical, medical, and diagnostic packages | Across empaneled network hospitals | Inpatient & day care included |
| Identification Document | Parivar Pehchan Patra (PPP) & Aadhaar Card | Direct digital integration | Instant e-Card generation |
| Official Portal | chirayuayushmanharyana.in | National PM-JAY convergence | Universal state network |
Medical Disciplines Covered Under Chirayu Haryana
The scheme provides cashless hospitalization across major clinical disciplines:
- Cardiology & Cardiac Surgery: Coronary artery bypass graft (CABG), angioplasty, heart valve replacements, and pacemaker implants.
- Oncology & Cancer Care: Surgical oncology, linear accelerator radiotherapy, chemotherapy cycles, and palliative hospital care.
- Orthopedics & Joint Replacement: Total hip and knee replacements, spine surgery, and complex road traffic accident trauma fixation.
- Nephrology & Kidney Care: Maintenance hemodialysis, lithotripsy, and kidney transplantation.
- Neurology & Neurosurgery: Brain tumor surgery, aneurysm clipping, and stroke care.
Eligibility Criteria
Citizens qualify for Chirayu Haryana based on authenticated digital records:
- The family must be permanent residents of Haryana holding an active Parivar Pehchan Patra (PPP – Family ID).
- The family’s annual income must be officially verified in the PPP database (under ₹1.80 Lakh for free coverage; up to ₹3.00 Lakh for the contributory tier).
- Regular employees of the Central/State Governments and pensioners receiving official government medical reimbursements are excluded.
- All family members included in the verified PPP Family ID are covered under the ₹5 Lakh family floater limit.
Documents Required for Card Generation
Citizens need minimal physical documentation:
- Haryana Parivar Pehchan Patra (PPP) Family ID.
- Aadhaar Cards of all family members.
- Active mobile phone linked with the PPP portal for OTP verification.
Step-by-Step Card Generation and Cashless Hospitalization Flow
Accessing medical care under Chirayu Haryana is streamlined:
- Card Generation Online: Visit
chirayuayushmanharyana.in, enter your 8-digit PPP Family ID, authenticate via OTP, and download your Ayushman Chirayu Golden e-Card. - Hospital Admission: Visit any empaneled government hospital (e.g., PGIMS Rohtak, civil hospitals) or accredited private hospital in Haryana or Delhi NCR.
- Visit Ayushman Mitra Desk: Present your Chirayu Golden Card and Aadhaar at the Ayushman Mitra reception desk.
- Electronic Pre-Authorization: The hospital submits an electronic pre-authorization request to the State Health Authority.
- 100% Cashless Treatment: Upon pre-authorization approval, the patient receives complete medical treatments, surgeries, diagnostic tests, and medicines without paying any cash out-of-pocket.
Frequently Asked Questions (FAQs)
1. Can families earning above ₹1.80 Lakh get the Chirayu card?
Yes. Families earning between ₹1.80 Lakh and ₹3.00 Lakh can pay a nominal annual contribution of ₹1,500 on the Chirayu portal to avail the identical ₹5 Lakh cashless coverage.
2. Are pre-existing diseases covered under Chirayu Haryana?
Yes. All pre-existing medical conditions are covered from day one without any waiting period or exclusions.
3. Can an empaneled private hospital demand extra charges from the patient?
No. Charging any fees from an active Chirayu cardholder for covered procedures is strictly prohibited under state health guidelines and triggers immediate hospital de-empanelment.
Disclaimer: JanSarkariYojna.com is an independent educational and public information portal. We are not affiliated with the Government of Haryana. Beneficiaries must verify all official notices and administrative criteria on the official state portal at chirayuayushmanharyana.in.