Here is the whole scheme in one place: what you get, who qualifies, how to apply, and what to check.
| Scheme | Mukhyamantri Ayushman Arogya Yojana (MAAY), formerly Mukhyamantri Chiranjeevi Swasthya Bima Yojana |
|---|---|
| Department | Health Department, Government of Rajasthan |
| Benefit | Cashless hospital cover up to Rs 25 lakh a year per family, plus accident cover up to Rs 10 lakh |
| Who can apply | Permanent residents of Rajasthan, with a Jan Aadhaar card |
| How it is given | Cashless treatment at empanelled hospitals |
| Apply at | maayojana.rajasthan.gov.in (SSO portal) or an e-Mitra centre |
| Cost to apply | Free for the free category. Rs 850 per family a year for the paid category |
Key points
- Cover of up to Rs 25 lakh a year per family, cashless at empanelled hospitals.
- Accident cover of Rs 5 lakh per death, up to Rs 10 lakh if several die in one accident.
- Only permanent residents of Rajasthan can get the benefit.
- Registration needs a Jan Aadhaar card and an Aadhaar-linked mobile number.
So what exactly does a family get?
Registered families get cashless hospital cover of up to Rs 25 lakh a year.
The scheme covers over 1,700 medical and surgical packages. These include surgery, orthopaedic care, child treatment, gynaecology and cancer care.
Advanced care like heart surgery, kidney and liver transplants and chemotherapy is also covered.
ICU charges, operation theatre fees, doctor visits and diagnostic tests during admission are covered too.
Expenses for 5 days before admission and 15 days after discharge are also covered.
Every family member on the household Jan Aadhaar card gets equal cover. There is no age limit, and newborn babies are covered too.
There is also accident insurance. The family gets Rs 5 lakh if a member dies in an accident, and up to Rs 10 lakh if several members die in the same accident.
Graphic: News Anek, from the facts in this report
Benefit amounts and packages can change, so please confirm the latest details on the official site.
Who can apply, and who cannot?
You must be a permanent resident of Rajasthan. This is a state scheme, so it is only for residents of Rajasthan.
Families are placed in one of two groups. The free category includes families under the National Food Security Act, households in the SECC 2011 list, contractual workers in state departments, boards and corporations, and destitute families who got COVID-19 ex-gratia support. They do not pay any annual fee.
Families not in the free category can join the paid category by paying Rs 850 per family a year. The state government pays the other half of the premium.
Every family member listed on the household Jan Aadhaar card is covered.
What background should you know about this scheme?
The scheme was earlier called the Mukhyamantri Chiranjeevi Swasthya Bima Yojana. It was renamed to match national health schemes, and its main benefits were kept and extended.
Its aim is to protect families from debt and poverty caused by medical costs. It is run by the Government of Rajasthan.
What documents should you keep ready?
Keep your Jan Aadhaar card or the Jan Aadhaar registration receipt. This is compulsory.
Keep an active mobile number linked with your Aadhaar. You will need it for the OTP e-KYC check.
Small farmers should keep their land papers. Contractual employees should keep their employee ID as proof.
How do you apply online, step by step?
Go to maayojana.rajasthan.gov.in and open the self-registration option through the SSO portal.
Enter your Jan Aadhaar details and your Aadhaar-linked mobile number.
Complete the OTP e-KYC verification and follow the on-screen steps to finish the registration.
Can you apply offline instead?
Yes. You can register offline at an e-Mitra centre near you.
Carry your Jan Aadhaar card and your Aadhaar-linked mobile number when you visit.
How do you check status, and what if treatment is refused?
Check your enrolment on the official portal using your Jan Aadhaar or registration details.
If a hospital refuses cashless treatment, first check the empanelled hospital list on the portal. Then contact the scheme helpline or your district office.
What should you watch out for?
Never pay any agent or middleman for registration. The official portal and e-Mitra centres are the proper routes.
Keep your Jan Aadhaar card and your registration receipt safe for future hospital visits.
Frequently asked questions
Is there an age limit?
No. There is no age limit, and newborn babies are also covered.
Is the cover per person or per family?
The cover of Rs 25 lakh a year is per family. All members on the household Jan Aadhaar card get equal cover.
Can I use this scheme in another state?
This is a Rajasthan state scheme, so it is meant for permanent residents of Rajasthan. Check the official site for the current hospital network.
Do I need to pay anything?
Free category families pay nothing. Paid category families pay Rs 850 per family a year.
Official links
This guide is based on official scheme rules. Rules and amounts can change, so always confirm on the official website before you apply. News Anek is not a government website.
