{"id":1854,"date":"2026-11-05T19:37:20","date_gmt":"2026-11-05T19:37:20","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1854"},"modified":"2026-11-13T11:46:37","modified_gmt":"2026-11-13T11:46:37","slug":"blog-health-insurance-chirayu-ayushman-bharat-haryana","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-chirayu-ayushman-bharat-haryana\/","title":{"rendered":"What is Chirayu Haryana?"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n
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 \u20b91.80 lakh in the state’s Parivar Pehchan Patra (PPP) Family ID database. Eligible families get cashless treatment of up to \u20b95 lakh per family per year at empanelled hospitals. Families earning \u20b91.80 lakh to \u20b93 lakh were added on 15 August 2023 for \u20b91,500 a year. According to an October 2026 report, Haryana has expanded it further: families earning \u20b93 lakh to \u20b96 lakh can join for \u20b94,000 a year, and those above \u20b96 lakh for \u20b95,000, with registration open until 30 November 2026. The only mandatory document is your PPP Family ID. Helplines: 1800-180-2036 (Haryana) and 14555 (national).<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Chirayu Haryana in 2026: Your Family ID, Your Income Slab and \u20b95 Lakh of Cashless Cover<\/b><\/h2>\n

In Haryana, your Family ID is your health card<\/b><\/h3>\n

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.<\/span><\/p>\n

That’s the engine behind Chirayu. If your Family ID shows a verified income up to \u20b91.80 lakh, you get Ayushman Bharat’s \u20b95 lakh cover for free. Earn more, and you can still join by paying a yearly contribution.<\/span><\/p>\n

And as of late 2026, the door may be open wider than ever, with higher-income families now able to buy in too.<\/span><\/p>\n

Here’s what that means for your family, slab by slab.<\/span><\/p>\n\n\n\n
Gurugram salary, Rohtak parents, Family ID income that hasn’t been updated since 2021?<\/b> We can help you make sense of it.<\/span> Book a call with us.<\/span><\/a> Faster than the NH-48 at peak hour.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What Chirayu gives you<\/b><\/h3>\n

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.<\/span><\/p>\n\n\n\n\n\n\n\n\n
Verified family income (in PPP)<\/span><\/th>\nYearly contribution<\/span><\/th>\nCover<\/span><\/th>\n<\/tr>\n<\/thead>\n
Up to \u20b91.80 lakh<\/span><\/td>\nFree<\/span><\/td>\n\u20b95 lakh per family per year<\/span><\/td>\n<\/tr>\n
\u20b91.80 lakh to \u20b93 lakh<\/span><\/td>\n\u20b91,500 (since 15 August 2023)<\/span><\/td>\n\u20b95 lakh per family per year<\/span><\/td>\n<\/tr>\n
\u20b93 lakh to \u20b96 lakh<\/span><\/td>\n\u20b94,000 (per an October 2026 report)<\/span><\/td>\n\u20b95 lakh per family per year<\/span><\/td>\n<\/tr>\n
Above \u20b96 lakh<\/span><\/td>\n\u20b95,000 (per an October 2026 report)<\/span><\/td>\n\u20b95 lakh per family per year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

The cover follows Ayushman Bharat: cashless treatment at empanelled government and private hospitals, on a family floater basis.<\/span><\/p>\n\n\n\n
Have a private policy too?<\/b> Know Your Policy<\/span><\/a> decodes it into plain language: benefits, limits, waiting periods and exclusions. Compare it with Chirayu before you pay twice for the same thing.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

How to get your Chirayu card<\/b><\/h3>\n
    \n
  1. Check your Family ID.<\/b> Open the Chirayu portal and enter your PPP Family ID to see your verified income bracket.<\/span><\/li>\n
  2. Fix your income if it’s wrong.<\/b> If your PPP income is outdated, request a correction first. Eligibility is read straight from it.<\/span><\/li>\n
  3. Pay the contribution, if your slab needs one.<\/b> Use “Click to Apply” on the portal and pay online.<\/span><\/li>\n
  4. Complete e-KYC.<\/b> Use the Ayushman app or a centre to verify each member.<\/span><\/li>\n
  5. Download your card<\/b> from the Ayushman beneficiary portal or app once approved.<\/span><\/li>\n
  6. Use it<\/b> at an empanelled hospital.<\/span><\/li>\n<\/ol>\n

    Helplines: <\/span>1800-180-2036<\/b> (Haryana) and <\/span>14555<\/b> (national).<\/span><\/p>\n\n\n\n
    Ready to check your slab or pay your contribution?<\/b> Go to the <\/span>official Chirayu Haryana portal<\/span><\/a>. If the November 2026 deadline is real for your slab, don’t leave it for the last week.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

     <\/p>\n\n\n\n
    Family in Haryana, Punjab and Delhi?<\/b> The <\/span>CoverSure State Health Scheme Calculator<\/span><\/a> puts all three schemes side by side. NCR-level confusion, solved.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

    What every Haryana family should check<\/b><\/h3>\n

    Your PPP income decides everything.<\/b> 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.<\/span><\/p>\n

    Paid slabs need yearly payment.<\/b> Families above \u20b91.80 lakh contribute every year. Miss it, and your cover may not continue.<\/span><\/p>\n

    Deadlines matter.<\/b> The October 2026 expansion reportedly has a registration window until 30 November 2026. Check the portal for the current date.<\/span><\/p>\n

    OPD isn’t covered.<\/b> Chirayu is for hospital admissions, not routine clinic visits.<\/span><\/p>\n

    \u20b95 lakh is per family, not per person.<\/b><\/p>\n\n\n\n
    Paying for Chirayu and a private plan? Make sure they’re not doing the same job.<\/b> A <\/span>Policy Health Check<\/span><\/a> reviews your policy across 30+ parameters for \u20b999, against 1,500+ plans. It tells you whether to continue, upgrade, top up or port.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

     <\/p>\n\n\n\n
    Chirayu card, Family ID, LIC, car insurance and your company’s mediclaim?<\/b> Add your state scheme to your CoverSure insurance portfolio<\/span><\/a> and get renewal reminders for every one of them. Switch on <\/span>Family Share<\/span><\/a> so your siblings can find the card without calling you at work.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

    Chirayu vs a private health plan<\/b><\/h3>\n

    For a family earning above \u20b96 lakh, \u20b95,000 a year for \u20b95 lakh of cover is attractive. But it’s worth knowing what you get and what you don’t.<\/span><\/p>\n

    What Chirayu does well<\/b><\/p>\n