Chirayu Ayushman Haryana- Health Insurance Scheme

Chirayu Ayushman Haryana- Key Highlights

Why Was Chirayu Ayushman Haryana Introduced

Medical expenses in India have been rising very fast, and hence causing medical debts among families in case of severe sicknesses. The AB PM-JAY is meant to cater for families selected using SECC-2011 data, yet a good part of people in Haryana, especially lower middle-class and middle-class people, are not included in the list despite being financially vulnerable.

The Chirayu Ayushman Scheme has been established in order to overcome this issue. Through the use of the Parivar Pehchan Patra (PPP) of Haryana, which includes current family income data, the scheme provides cashless hospitalisation cover to people way more than central PMJAY alone. This also includes contractual workers, Divyangjan, and people who earn up to ₹6 lakh (extended in 2025).

Tuberculosis patients who have enrolled themselves in the scheme benefit from Nikshay Poshan Yojana, which is meant for TB patients at ₹1,000 per month. In case of pregnant ladies, they can claim Janani Suraksha Yojana (JSY), which is meant for institutional deliveries. The Ayushman Vaya Vandana Card also covers senior citizens who are 70 years old and above. In case the treatment cost exceeds ₹5 lakh, the Rashtriya Arogya Nidhi (RAN) provides one-time assistance up to ₹15 lakh.

Chirayu Ayushman Haryana Eligibility

Eligibility is determined through the Parivar Pehchan Patra (PPP) database. The following categories are covered:

Who is NOT eligible:

• Families not registered in the Parivar Pehchan Patra (PPP) database.
• For residents of other states, Haryana residency via PPP is mandatory.

What Does Chirayu Ayushman Haryana Cover

How to Apply for the Chirayu Ayushman Card

Step 1 — Check Eligibility:

Go to the official website of Chirayu Ayushman of Haryana State and provide your 8-digit Parivar Pehchan Patra (PPP) Family ID number. Your eligibility based on income will be shown as 'free' or 'contribution needed' by the system itself.

Step 2 — Pay Contribution (if needed):

For families having an income of more than ₹ 1.80 lakh, there is an online contribution payment to be made through UPI or Net Banking. Maintain your digital receipt. The health scheme starts its coverage on 1st November, post-processing the month of October, and lasts until 31st October the next year.

Step 3 — Conduct e-KYC:

Install the Ayushman App on your phone through the Google/ Apple Play Store. Log in using your registered mobile number. Provide your Family ID to locate family members and verify them using face recognition or Aadhar OTP.

Step 4 — Obtain Your Digital Card:

Once you get approved for your e-KYC from NHA, your status will reflect "approved" in your Chirayu Ayushman card. Obtain your card digitally in the app and print it as well.

Step 5 - Help Offline:

In case of any trouble online, take your Aadhaar card and PPP Family ID to any Common Service Center (CSC). The people working at the CSC will do the entire process for you.

Documents Required

• Parivar Pehchan Patra (PPP)- Family ID, primary eligibility document
• Aadhaar card- linked with registered mobile number
• Voter ID or ration card- additional identity proof
• Self-declaration or income certificate- confirming income category
• Registered mobile number- for OTP and updates
• Caste certificate- for SC/ST categories
• ABHA card number- optional but recommended for digital health records

How to Check Chirayu Ayushman Card Status

• Visit the official Chirayu Haryana portal or pmjay.gov.in.
• Enter your PPP Family ID or Aadhaar number.
• View your enrollment status and income category in real time.
• Download your card once the status shows "Approved"

You can also check status through the Ayushman App using your registered mobile number and PPP Family ID.

How the Claim Process Works

Chirayu Ayushman Haryana is completely cashless in nature:

• Visit any AB PM-JAY empanelled hospital in India with your Chirayu Ayushman card and Aadhaar.
• At the Ayushman Mitra counter, your eligibility is checked via the PM-JAY scheme.
• Your pre-authorisation is done for planned treatments prior to admission.
• Cashless treatment starts where all your bills are settled between the hospital and NHA.
• For emergency cases, treatment starts immediately while pre-authorisation is done later.
• After discharge, your details are digitally recorded and attached to your ABHA ID card.

Grievance and Rejection Process

In case your claim gets rejected or the hospital demands that you pay from your pocket:

Step 1: Go to the Ayushman Mitra Counter in the empanelled hospital immediately.

Step 2: Contact the Ayushman Bharat helpline number 14555 (available 24/7).

Step 3: Contact the National Health Helpline number 104.

Reasons why the claim can be rejected:

• Misalignment of the PPP Family ID or Aadhaar during the authentication process.
• The procedure is not in the list of 1,500 plus PM-JAY packages.
• Procedure taken from a non-empanelled hospital.
• Non-completion of e-KYC for the family member seeking treatment.
• Non-payment of annual contribution by income-eligible groups.

Chirayu Ayushman Haryana and Other Schemes

• Ayushman Bharat PM-JAY – Central Scheme, which is extended by Chirayu for residents of Haryana.
• Ayushman Vaya Vandana Card – Supplementary Insurance Cover of ₹5 Lakhs for senior citizens over the age of 70 years.
• Nikshay Poshan Yojana – Nutritional Support of ₹1000 per month for TB Patients.
• Janani Suraksha Yojana (JSY) – Cash Benefits for Institutional Delivery, available along with other schemes.
• Rashtriya Arogya Nidhi (RAN) – Upto ₹15 lakhs for excess of ₹5 lakhs.
• Niramaya Health Insurance Scheme – Family Members affected by Autism, Cerebral Palsy, and Multiple Disabilities.
• Mukh Mantri Sarbat Sehat Bima Yojana (Punjab) – Similar Scheme for residents of Punjab.
• Mission Vatsalya – Children in Institutional Care can also benefit from the hospitalisation benefits of these schemes.

Helpline and Support

Ayushman Chirayu Haryana expands the scope of the Ayushman Bharat Yojana to families left out by the central government’s PMJAY scheme, based on real-time PPP income levels, to provide health insurance coverage for all income categories of families in Haryana. With an annual cashless health insurance coverage of ₹5 lakh, 1,500+ treatments, nationwide hospitals coverage, and no limit on the number of family members or age, it is one of the most comprehensive schemes launched in India by any state.