| QUICK GIST |
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| The Mukhyamantri Ayushman Arogya Yojana (MAAY, or MAA Yojana) is Rajasthan’s flagship state health scheme. It was launched on 1 May 2021 as the Mukhyamantri Chiranjeevi Swasthya Bima Yojana and renamed in 2024. It runs in convergence with Ayushman Bharat PM-JAY. Eligible families get cashless hospital treatment of up to ₹25 lakh per year at government and empanelled private hospitals. That is one of the highest limits of any state scheme in India. NFSA and SECC 2011 families, contractual workers, small and marginal farmers, and certain other notified groups are covered free. Other permanent resident families can join by paying ₹850 a year, with the state paying the rest of the premium. Registration runs through the Rajasthan SSO portal using your Jan Aadhaar. Helpline: 181. |
MAA Yojana Rajasthan: How ₹850 Can Get Your Family ₹25 Lakh of Health Cover (and What It Won’t Do)
The biggest number on the state-scheme scoreboard
Most state health schemes in India talk in single digits: ₹5 lakh here, ₹10 lakh there. Rajasthan walked in with ₹25 lakh per family per year.
That’s the Mukhyamantri Ayushman Arogya Yojana, or MAA Yojana. You might still know it by its old name, Chiranjeevi Yojana. Same scheme, new name, same big number.
But MAA Yojana has a detail many families miss. It isn’t automatically free for everyone. Some families get it at zero cost. Others need to register and pay ₹850 a year. If you assume you’re covered without checking, you might find out otherwise at the hospital desk.
This blog sorts that out: who pays what, how to register on SSO, and what a ₹25 lakh cover can and can’t protect you from.
| Got a Jan Aadhaar, an SSO password you’ve forgotten three times and a policy from your office in Gurugram? We can’t reset your password, but we can untangle the rest. Book a call with us and we’ll map out how MAA Yojana fits with your other cover. No dal baati bribes needed. |
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What is the Mukhyamantri Ayushman Arogya Yojana?
Rajasthan launched this scheme on 1 May 2021 as the Mukhyamantri Chiranjeevi Swasthya Bima Yojana. In 2024, it was renamed the Mukhyamantri Ayushman Arogya Yojana. Today it runs in convergence with the central Ayushman Bharat PM-JAY, under the name AB PMJAY-MAA Yojana.
What the scheme offers:
- Up to ₹25 lakh per family per year, cashless, for hospital treatment.
- Government and empanelled private hospitals both accept it.
- Over 1,700 treatment packages, covering surgeries, ICU care, diagnostics and medicines during hospitalisation.
- Costs around the hospital stay, including 5 days before admission and 15 days after discharge, as listed in the scheme details.
- No cap on family size or age. Infants up to one year old can be covered even before their name is added to the family’s Jan Aadhaar.
| Hold a private policy too? It almost certainly follows different rules from MAA Yojana. Know Your Policy translates it into plain language (benefits, limits, waiting periods, exclusions) so you can see exactly what it adds, and what it repeats. |
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Registering on SSO, without the headache
Unlike some states, Rajasthan asks families to register for MAA Yojana. Here’s how.
- Log in to the Rajasthan SSO portal. Go to sso.rajasthan.gov.in and create an SSO ID if you don’t have one.
- Open the MAA Yojana service. Choose your category: free or paid.
- Enter your Jan Aadhaar. Type in your Jan Aadhaar number (or registration receipt number) to fetch your family’s details.
- Verify with OTP. Enter the OTP sent to your registered mobile number and complete the e-signature.
- Pay, if you’re in the paid category. The portal takes you to an online payment page for the ₹850 premium.
- Print your policy document. Keep a copy at home and a photo on your phone.
Prefer in person? You can also register through an e-Mitra centre.
At the hospital: go to an empanelled hospital, show your Jan Aadhaar or scheme card at the help desk, and the hospital handles approval for cashless treatment.
Helpline: 181.
| Want the latest rules, hospital list and registration link in one place? Visit the official MAA Yojana website. It’s the only source that settles the “free or ₹850?” debate in your family for good. |
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| Curious how ₹25 lakh stacks up against other states? The CoverSure State Health Scheme Calculator puts every state scheme side by side. Bragging rights for Rajasthan, mostly. |
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What every MAA Yojana family should double-check
Paid category? Renew it. If you’re in the ₹850 category, the cover runs for a policy year. Miss the payment, and you may not be covered when you need it most.
Your Jan Aadhaar is the key. Family details come from Jan Aadhaar. A missing member, a wrong mobile number or an outdated address can slow things down at the hospital. Update it before you need it.
Free categories are specific. Being low-income isn’t enough on its own. Your family needs to fall into a notified group, such as NFSA, SECC 2011, contractual workers or small and marginal farmers. Check your category on the portal.
Packages, not open bills. The scheme pays defined package rates for listed treatments. Anything outside the package list may not be covered.
Empanelled hospitals only. Check that your hospital is on the official list before a planned admission.
| Paying ₹850 for MAA Yojana and a lot more for a private plan? Make sure the private one is pulling its weight. A Policy Health Check reviews it across 30+ parameters for ₹99, benchmarks it against 1,500+ plans, and tells you to continue, upgrade, add a top-up or port. Insurance shouldn’t be renewed on autopilot. |
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| Jan Aadhaar printout, MAA Yojana policy, LIC bond, bike insurance: let’s not keep them in four different almirahs. Add your state scheme to your CoverSure insurance portfolio and see everything on one dashboard, with renewal reminders for that ₹850. Then turn on Family Share so your family isn’t calling you from the hospital lobby asking for a policy number. |
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MAA Yojana vs a private health plan
With ₹25 lakh of cover, you might wonder why anyone in Rajasthan would buy private insurance. Fair question. The answer is that the two do different jobs.
Where MAA Yojana is hard to beat
- Huge cover for little or no cost. ₹25 lakh a year, for free or ₹850.
- No family-size or age limit. Grandparents and newborns alike.
- Converged with Ayushman Bharat, which links it to the national scheme’s framework.
- Simple registration through SSO or e-Mitra.
Where private plans still add value
- Real bills vs package rates. Private plans pay eligible actual costs. Package rates can limit which hospitals take you for complex care.
- Hospital choice. Your preferred private hospital may not be on the scheme’s list.
- Room and comfort options, depending on your plan.
- Add-ons and bonuses like restoration, cumulative bonus and optional covers.
- Contractual terms. Your policy’s renewal rules are written down. A scheme’s rules can change with government decisions.
- Tax benefit under Section 80D (old tax regime; please verify current limits).
For most Rajasthan families, MAA Yojana should be the foundation. A modest private plan or super top-up can add choice and comfort on top.
₹25 lakh is big. So where are the gaps?
Here’s the honest part. With MAA Yojana, the limit is rarely the first problem. The gaps usually show up somewhere else.
Meet the Rathores from Jodhpur (a hypothetical family; numbers are illustrative). They’re in the paid category. Here’s how their year went.
| What happened (hypothetical) | Covered by MAA Yojana? |
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| Father’s bypass at an empanelled hospital | Yes, within the package |
| Mother’s cataract surgery at an empanelled hospital | Yes, within the package |
| Son’s surgery in Pune, where he works | Only if that hospital accepts the scheme; check first |
| Mother’s preferred private hospital in Jodhpur, not empanelled | No |
| ₹850 renewal missed in the year the daughter needed surgery | Not until coverage is restored |
So the real gaps are:
- Where you get treated, especially family members living outside Rajasthan.
- Which hospital you prefer, if it isn’t empanelled.
- Staying registered, for paid-category families.
- What the package covers, compared with what your hospital actually charges.
| Big cover, but in the right places? The CoverRisk Calculator weighs your income, life stage, dependants and liabilities, then tells you whether you’re underinsured, overinsured or balanced. It’s free and quick, and it doesn’t care whether you prefer Jodhpur or Jaipur. |
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Who is eligible for MAA Yojana?
All permanent resident families of Rajasthan can be covered. The question is whether you pay.
| Category | Who | Premium |
|---|---|---|
| Free | NFSA families and SECC 2011 families | ₹0 |
| Free | Contractual workers with state departments, boards, corporations and government companies | ₹0 |
| Free | Small and marginal farmer families | ₹0 |
| Free | Other groups notified by the state, such as families who received the Covid-19 ex-gratia amount | ₹0 |
| Paid | All other permanent resident families of Rajasthan | ₹850 per family per year (the state pays the rest) |
What you need: your Jan Aadhaar number (or registration receipt), a registered mobile number for OTP, and an SSO ID or a visit to e-Mitra.
MAA Yojana at a glance
| Detail | Mukhyamantri Ayushman Arogya Yojana (Rajasthan) |
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| Previously called | Mukhyamantri Chiranjeevi Swasthya Bima Yojana (launched 1 May 2021) |
| Run by | Medical, Health and Family Welfare Department, Government of Rajasthan |
| Linked with | Ayushman Bharat PM-JAY (AB PMJAY-MAA Yojana) |
| Cover | Up to ₹25 lakh per family per year, cashless |
| Treatments | Over 1,700 packages |
| Around the hospital stay | 5 days before admission, 15 days after discharge |
| Family size and age | No limits; infants up to one year covered |
| Free for | NFSA, SECC 2011, contractual workers, small and marginal farmers, other notified groups |
| Paid option | ₹850 per family per year for all other resident families |
| Registration | Rajasthan SSO portal or e-Mitra, using Jan Aadhaar |
| Main limitations | Package-based payment, empanelled hospitals only, yearly payment for paid category, rules change through government decisions |
| Helpline | 181 |
| Official website | maayojana.rajasthan.gov.in |
| ₹25 lakh of information, a few swipes of effort. Get MAA Yojana’s who-pays-what and SSO steps in a quick LinkedIn carousel. Swipe through it on CoverSure’s LinkedIn, and share it with the cousin who still calls it “Chiranjeevi”. |
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Quick answers (FAQs)
- What is the new name of Chiranjeevi Yojana? It’s now the Mukhyamantri Ayushman Arogya Yojana, or MAA Yojana.
- How much cover does MAA Yojana give? Up to ₹25 lakh per family per year, cashless.
- Who gets MAA Yojana for free? NFSA and SECC 2011 families, contractual workers, small and marginal farmers, and other notified groups.
- How much is the MAA Yojana premium? ₹850 per family per year for families outside the free categories.
- How do I register for MAA Yojana? Through the Rajasthan SSO portal using your Jan Aadhaar, or at an e-Mitra centre.
- Is there a family-size limit? No. There’s no limit on family size or age.
- Are newborns covered? Yes. Infants up to one year can be covered even before they’re added to Jan Aadhaar.
- “Alexa, what’s the MAA Yojana helpline number?” It’s 181.
| MAA Yojana covers the hospital bill. CoverSure covers the mental load. Download the CoverSure app to track every policy, get a renewal nudge before that ₹850 is due, and set up SOS to alert family in one tap. |
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Next in the series: West Bengal’s Swasthya Sathi. Subscribe to the CoverSure newsletter and it’ll land in your inbox before the chai-stall gossip does.
