Ayushman Bharat-Chirayu Haryana Scheme: A Complete Guide

The Ayushman Bharat-Chirayu Haryana scheme, also known as CHIRAYU Haryana, is a significant health insurance initiative by the Government of Haryana. It functions as a state-level extension of the central government's Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), designed to provide comprehensive health coverage to a larger portion of the state's population.

The primary feature of the Chirayu scheme is its health cover of ₹5 lakh per family per year on a floater basis. A key distinction from the national PM-JAY is its eligibility criteria. Instead of using the 2011 Socio-Economic Caste Census (SECC) data, Chirayu Haryana uses the verified annual income data from the state's Parivar Pehchan Patra (PPP) or Family ID system. This approach allows the scheme to include many more families based on their current economic status.

Launched on November 21, 2022, the scheme has undergone several expansions to include families with higher annual incomes, who can join by paying a nominal annual contribution. This guide provides detailed information on the scheme's coverage, eligibility criteria, enrolment process, and how it operates within the healthcare system.

Chirayu Haryana Scheme: At a Glance

• Scheme Name — Ayushman Bharat-Chirayu Haryana (CHIRAYU)
• Health Cover — ₹5 lakh per family per year
• Launch Date — November 21, 2022
• Implementing Agency — Ayushman Bharat Haryana Health Protection Authority
• Helpline Numbers — 14555, 1800-180-2128

Rates shown are as per the Ayushman Bharat Haryana Health Protection Authority (2024) and are subject to periodic revision. Always verify the latest approved rates on the official source.

What is Covered Under the Chirayu Haryana Scheme?

The Chirayu Haryana scheme offers a substantial health cover of ₹5 lakh for each eligible family, applicable for one year. This amount is provided on a family floater basis, meaning the entire sum can be used by one or multiple members of the family for various treatments until the limit is reached.

The coverage is intended for secondary and tertiary care hospitalization. It encompasses a wide range of medical needs, ensuring that beneficiaries are not burdened with high out-of-pocket expenses during medical emergencies. The scheme covers approximately 1,500 medical packages.

• **Hospitalization Expenses:** Covers costs related to surgery, medical treatments, and daycare procedures.
• **Medicines and Diagnostics:** The cost of medicines and diagnostic tests during hospitalization is included.
• **Pre and Post-Hospitalization:** The policy includes expenses for 3 days of pre-hospitalization care and 15 days of post-hospitalization care, covering follow-up consultations and medications.
• **Pre-existing Conditions:** All pre-existing diseases and conditions are covered from the first day of the policy's activation.

What is Not Covered?

While the scheme is comprehensive, certain treatments and services are excluded from the coverage. Beneficiaries should be aware of these exclusions:

The scheme does not cover expenses for Out-Patient Department (OPD) services. It is specifically designed for in-patient hospitalization. Additionally, procedures that are primarily cosmetic in nature and fertility-related treatments are not included under the Chirayu Haryana scheme.

Who is Eligible for Chirayu Haryana?

Eligibility for the Chirayu Haryana scheme is determined by the verified annual income of a family as recorded in Haryana's Parivar Pehchan Patra (PPP) database. This modern approach allows for a dynamic and more accurate assessment of a family's economic status. The scheme is structured in tiers based on income, with varying contribution requirements.

• **Annual Income up to ₹1.80 lakh:** Families in this category, including Antyodaya families, receive the benefits of the scheme completely free of cost.
• **Annual Income between ₹1.80 lakh and ₹3 lakh:** These families can opt into the scheme by paying a nominal annual contribution of ₹1,500.
• **Annual Income between ₹3 lakh and ₹6 lakh:** Families within this income bracket can avail the scheme's benefits by paying an annual contribution of ₹4,000. This was part of an expansion in April 2025.
• **Annual Income above ₹6 lakh:** The scheme was also extended to families with incomes above ₹6 lakh, who can join by paying an annual contribution of ₹5,000.
• **Other Groups:** The scheme also extends its benefits to specific groups such as Persons with Disabilities (PwD), contractual workers (including those under HKRNL), chowkidars, mid-day meal workers, and sanitation workers, who may have distinct contribution rules.

How to Enrol and Get the Chirayu Haryana Card

The enrolment process is streamlined and linked directly to the Parivar Pehchan Patra (PPP) system. Eligible residents can follow a few simple steps to get their Ayushman Bharat-Chirayu Card, also known as the Golden Card.

**1. Check Eligibility:** The first step is to verify your eligibility. This can be done online through the official Chirayu Haryana portal (`chirayuayushmanharyana.in`) or the national PM-JAY portal (`nha.gov.in`) using your PPP Family ID.

**2. Complete e-KYC:** Once eligibility is confirmed, you must complete an e-KYC (Know Your Customer) process. This can be done at a nearby Common Service Center (CSC), a government hospital, or by using the Ayushman App on a smartphone. This step requires an Aadhaar card linked to a mobile number for OTP-based verification.

**3. Pay Contribution (if applicable):** Families falling into the paid categories (income above ₹1.80 lakh) must pay their respective annual contribution online through the designated portal to activate their coverage for the year.

After successful completion of these steps, the Ayushman Bharat-Chirayu Card is generated. Beneficiaries can download a digital version of the card for their records and for use at hospitals.

Relationship with Ayushman Bharat PM-JAY

Chirayu Haryana is a co-branded extension of the Ayushman Bharat PM-JAY, not a separate scheme. It operates on the same robust IT platform and framework established by the National Health Authority. The primary innovation of the Haryana government was to expand the definition of a beneficiary.

While PM-JAY uses the Socio-Economic Caste Census of 2011 to identify beneficiaries, Chirayu Haryana uses the state's own real-time income data from the Parivar Pehchan Patra. This has significantly widened the safety net to include many more families who need financial protection for healthcare. The Haryana state government bears the financial cost for this expanded pool of beneficiaries. This integration means that a Chirayu cardholder can receive treatment not just in Haryana but in any PM-JAY empanelled hospital across India.

Using the Chirayu Card at Hospitals

The scheme is designed to be completely cashless, eliminating the need for beneficiaries to pay for covered treatments at the hospital. To avail the benefits, the beneficiary must visit an empanelled hospital, which can be a government or a private facility.

At the hospital, they need to go to the dedicated 'Ayushman Mitra' help desk and present their Ayushman Bharat-Chirayu Card along with their Aadhaar card for verification. The Ayushman Mitra will handle the admission and pre-authorization process, ensuring a smooth and cashless experience for the patient.

As of April 2026, Haryana had a strong network of 1,364 empanelled hospitals, comprising 777 private and 586 public facilities, ensuring wide accessibility for beneficiaries across the state.

Frequently Asked Questions

What is the main difference between Chirayu Haryana and the national PM-JAY scheme?

The main difference lies in the eligibility criteria. Chirayu Haryana uses the state's Parivar Pehchan Patra (PPP) to identify beneficiaries based on verified annual income, covering a much larger population than the national PM-JAY, which relies on the older SECC 2011 data.

Is there a fee to join the Chirayu Haryana scheme?

It is free for families with an annual income up to ₹1.80 lakh. Families with higher incomes can join by paying a tiered annual contribution, which ranges from ₹1,500 to ₹5,000 depending on their income bracket.

What documents do I need to apply for a Chirayu card?

The primary document required is your Parivar Pehchan Patra (Family ID). You will also need an Aadhaar card that is linked to a mobile number to complete the OTP verification during the e-KYC process.

Are pre-existing diseases covered under Chirayu Haryana?

Yes, the scheme provides coverage for all pre-existing conditions and diseases from the very first day of your policy activation. There is no waiting period for pre-existing illnesses.

Can I use my Chirayu Haryana card in a hospital outside of Haryana?

Yes, because the scheme is integrated with the national Ayushman Bharat PM-JAY, you can avail cashless treatment at any hospital empanelled under the PM-JAY network anywhere in India.

What should I do if I face issues with my premium payment?

For any problems related to the payment of your annual contribution, you can contact the dedicated support team by sending an email to chirayuextension@gmail.com.

Related

• Government hospital OPD guides in Haryana
• How to find an Ayushman Bharat (PM-JAY) hospital near you
• Government health schemes in India: a guide
• Ayushman Bharat PM-JAY eligibility check

Medical Disclaimer

The information provided in this article is for general informational and educational purposes only. It is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read in this article.