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.

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.