What is Chirayu Haryana?

QUICK GIST

Chirayu (Comprehensive Health Insurance of Antyodaya Units) is Haryana’s extension of Ayushman Bharat PM-JAY. It was launched on 21 November 2022 for families with a verified annual income up to ₹1.80 lakh in the state’s Parivar Pehchan Patra (PPP) Family ID database. Eligible families get cashless treatment of up to ₹5 lakh per family per year at empanelled hospitals. Families earning ₹1.80 lakh to ₹3 lakh were added on 15 August 2023 for ₹1,500 a year. According to an October 2026 report, Haryana has expanded it further: families earning ₹3 lakh to ₹6 lakh can join for ₹4,000 a year, and those above ₹6 lakh for ₹5,000, with registration open until 30 November 2026. The only mandatory document is your PPP Family ID. Helplines: 1800-180-2036 (Haryana) and 14555 (national).

Chirayu Haryana in 2026: Your Family ID, Your Income Slab and ₹5 Lakh of Cashless Cover

In Haryana, your Family ID is your health card

Most states decide your health scheme eligibility with ration cards or old census lists. Haryana uses something more current: the Parivar Pehchan Patra, the Family ID that already sits behind pensions, subsidies and ration benefits.

That’s the engine behind Chirayu. If your Family ID shows a verified income up to ₹1.80 lakh, you get Ayushman Bharat’s ₹5 lakh cover for free. Earn more, and you can still join by paying a yearly contribution.

And as of late 2026, the door may be open wider than ever, with higher-income families now able to buy in too.

Here’s what that means for your family, slab by slab.

Gurugram salary, Rohtak parents, Family ID income that hasn’t been updated since 2021? We can help you make sense of it. Book a call with us. Faster than the NH-48 at peak hour.

What Chirayu gives you

The central Ayushman Bharat scheme was built on old census data. Haryana used its own Family ID database to reach more families, and called it Chirayu.

Verified family income (in PPP)	Yearly contribution	Cover
Up to ₹1.80 lakh	Free	₹5 lakh per family per year
₹1.80 lakh to ₹3 lakh	₹1,500 (since 15 August 2023)	₹5 lakh per family per year
₹3 lakh to ₹6 lakh	₹4,000 (per an October 2026 report)	₹5 lakh per family per year
Above ₹6 lakh	₹5,000 (per an October 2026 report)	₹5 lakh per family per year

The cover follows Ayushman Bharat: cashless treatment at empanelled government and private hospitals, on a family floater basis.

Have a private policy too? Know Your Policy decodes it into plain language: benefits, limits, waiting periods and exclusions. Compare it with Chirayu before you pay twice for the same thing.

How to get your Chirayu card

1. Check your Family ID. Open the Chirayu portal and enter your PPP Family ID to see your verified income bracket.
2. Fix your income if it’s wrong. If your PPP income is outdated, request a correction first. Eligibility is read straight from it.
3. Pay the contribution, if your slab needs one. Use “Click to Apply” on the portal and pay online.
4. Complete e-KYC. Use the Ayushman app or a centre to verify each member.
5. Download your card from the Ayushman beneficiary portal or app once approved.
6. Use it at an empanelled hospital.

Helplines: 1800-180-2036 (Haryana) and 14555 (national).

Ready to check your slab or pay your contribution? Go to the official Chirayu Haryana portal. If the November 2026 deadline is real for your slab, don’t leave it for the last week.

 

Family in Haryana, Punjab and Delhi? The CoverSure State Health Scheme Calculator puts all three schemes side by side. NCR-level confusion, solved.

What every Haryana family should check

Your PPP income decides everything. If your Family ID shows the wrong income, you may land in the wrong slab, or pay a contribution you don’t owe. Fix it before you apply.

Paid slabs need yearly payment. Families above ₹1.80 lakh contribute every year. Miss it, and your cover may not continue.

Deadlines matter. The October 2026 expansion reportedly has a registration window until 30 November 2026. Check the portal for the current date.

OPD isn’t covered. Chirayu is for hospital admissions, not routine clinic visits.

₹5 lakh is per family, not per person.

Paying for Chirayu and a private plan? Make sure they’re not doing the same job. A Policy Health Check reviews your policy across 30+ parameters for ₹99, against 1,500+ plans. It tells you whether to continue, upgrade, top up or port.

 

Chirayu card, Family ID, LIC, car insurance and your company’s mediclaim? Add your state scheme to your CoverSure insurance portfolio and get renewal reminders for every one of them. Switch on Family Share so your siblings can find the card without calling you at work.

Chirayu vs a private health plan

For a family earning above ₹6 lakh, ₹5,000 a year for ₹5 lakh of cover is attractive. But it’s worth knowing what you get and what you don’t.

What Chirayu does well

• Free for lower-income families, and low-cost for others.
• One document: your PPP Family ID.
• Ayushman Bharat framework, with government and private hospitals.
• Family floater with no premium loading for age or illness.

Where a private plan usually adds more

• Higher sums insured than ₹5 lakh.
• Actual bills paid, subject to terms, instead of package rates.
• Room choice, restoration, cumulative bonus and add-ons.
• Tax benefit under Section 80D in the old tax regime (please verify current limits).
• Wider hospital choice, including big private hospitals that may not be empanelled.

For many Haryana families, especially in the new slabs, Chirayu plus a super top-up could be a cost-effective mix. The CoverRisk calculator below can help you size it.

When ₹5 lakh meets a Gurugram hospital bill

Meet the Yadavs (a hypothetical family; numbers are illustrative). They live in Rewari, in the ₹3 lakh to ₹6 lakh slab, and joined Chirayu for ₹4,000.

Event in the year (hypothetical)	Used from the ₹5 lakh
Father’s stroke treatment at an empanelled hospital	₹3.5 lakh
Mother’s cataract surgery	₹30,000
Son’s fracture after a road accident	₹1.1 lakh
Left for the rest of the year	₹10,000

The family’s preferred hospital in Gurugram wasn’t empanelled, so they chose another. And the father’s physiotherapy after discharge came out of pocket.

Under-covered, over-covered or just right? The CoverRisk Calculator weighs your income, life stage, dependants and liabilities and gives you a straight answer. Free and fast.

Who is eligible for Chirayu?

Residents of Haryana with a Parivar Pehchan Patra (Family ID) showing a verified annual income. Your slab decides your contribution (see the table above). In 2023, the state also announced coverage for families of anganwadi, ASHA and mid-day meal workers above ₹1.80 lakh income, at a small monthly contribution.

Only mandatory document: your PPP Family ID.

Chirayu at a glance

Detail	Chirayu Ayushman Bharat (Haryana)
Launched	21 November 2022
Run by	Ayushman Bharat Haryana (State Health Agency), Health Department
Linked with	Ayushman Bharat PM-JAY
Cover	₹5 lakh per family per year
Who qualifies	Haryana families with a PPP Family ID; free up to ₹1.80 lakh income
Contributions	₹1,500 (₹1.80L to ₹3L); ₹4,000 (₹3L to ₹6L) and ₹5,000 (above ₹6L) per an October 2026 report
Document	PPP Family ID
Main limitations	PPP data accuracy, yearly contributions for paid slabs, no OPD, ₹5 lakh family limit
Helplines	1800-180-2036 / 14555
Official website	chirayuayushmanharyana.in

 

Not a fan of long reads? Fair. Chirayu’s income slabs and steps in a quick LinkedIn carousel. Swipe through it on CoverSure’s LinkedIn and share it with the family member who still thinks Ayushman is “only for BPL”.

Quick answers (FAQs)

1. What is Chirayu Haryana? Haryana’s extension of Ayushman Bharat, giving ₹5 lakh cashless cover per family per year based on your Family ID income.
2. Who gets Chirayu free? Families with verified PPP income up to ₹1.80 lakh.
3. How much is the Chirayu premium? ₹1,500 for ₹1.80 lakh to ₹3 lakh income. An October 2026 expansion reportedly adds ₹4,000 for ₹3 lakh to ₹6 lakh and ₹5,000 above ₹6 lakh.
4. What document do I need? Your Parivar Pehchan Patra (Family ID).
5. What if my PPP income is wrong? Request a correction before applying.
6. Does Chirayu cover OPD? No, it’s for hospital admissions.
7. Is there a registration deadline? Reports say the expanded registration is open until 30 November 2026. Check the portal.
8. “Hey Google, what’s the Chirayu helpline?” Call 1800-180-2036 or 14555.

Chirayu handles the hospital. CoverSure handles the reminders. Download the CoverSure app to keep every policy in one place, get renewal reminders for yearly contributions, and set up SOS for one-tap alerts.

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