Families living in Haryana have received a major health-related update, and it could change how many middle-income households deal with hospital bills. Chirayu Haryana Yojana, the state’s health insurance scheme, is being extended to a much wider group of families. If you live in Haryana and your family income was earlier above the scheme’s limit, this change matters directly to you, because a new route to cashless hospital treatment is opening up.
In this article, we explain the Chirayu Haryana Yojana extension in simple language. You will learn what the scheme is, when it started, what changes from 1 November 2026, which families now come under it, how treatment works in a hospital, why the Parivar Pehchan Patra or PPP matters so much, and what you must check before you visit a hospital. At the end, you will also find answers to frequently asked questions, so that no important point is missed.
This article is for information only. For final eligibility, contribution, enrolment and hospital-list details, always confirm from the official Haryana government portal and helpline. The figures in this article come from news reports that appeared in late October 2026, not from the official Chirayu page, because that page currently carries no scheme details.
What is Chirayu Haryana Yojana
Chirayu Haryana Yojana, whose full name is Comprehensive Health Insurance of Antyodaya Units (CHIRAYU), is Haryana’s health insurance scheme and the state’s extension of the central Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, known as PM-JAY. It is run by the Haryana Health Department and the Ayushman Bharat Haryana Health Protection Authority. The scheme was launched on 21 November 2022. Its original aim was to give the poorest and Antyodaya families in Haryana hospital treatment without upfront payment, so that no family falls into debt because of a sudden illness or operation.
Under the scheme, an eligible family gets cashless treatment at empanelled public and private hospitals. Cashless means that, within the fixed annual limit, the family does not have to pay the hospital bill from its own pocket at the time of treatment. This is a major relief for families for whom arranging lakhs of rupees for a sudden surgery or a long hospital stay would be very difficult.
Under Chirayu Haryana Yojana, every eligible family gets cashless hospital treatment up to Rs 5 lakh per family per year. This limit is for the whole family for the year, not separately for each person. It covers secondary and tertiary care, and the scheme includes 2,694 treatment packages covering many diseases, tests, operations and hospitalisation-related services. Another important feature is that all pre-existing conditions are covered. There is no cap on family size or age, so the whole family can come under one cover.
What changes from 1 November 2026
Until now, Chirayu Haryana Yojana mainly covered families with annual income up to Rs 3 lakh. Families with income up to Rs 1.80 lakh received the benefit free under the Antyodaya tier, and families with income above Rs 1.80 lakh up to Rs 3 lakh could join by paying a fixed annual contribution. From 1 November 2026, this limit is being raised. Families with verified annual income above Rs 3 lakh will also become eligible, provided their income is verified in the Parivar Pehchan Patra or PPP database.
The extension was announced by Additional Chief Secretary (Health) Sumita Misra, and the health department notification is dated 13 October 2026. Multiple news sources reported the extension on 27 and 28 October 2026, including Mirror Now, Arth Prakash, Medical Buyer, Fact.net, and Inshorts carrying a Hindustan Times report. All of these sources agree on the benefit amount, the treatment limit and the new contribution tiers. This article therefore uses only those figures that appear consistently across the reports checked.
It is very important to understand that this is not a brand-new scheme launched in 2026. Chirayu Haryana Yojana has been running since 2022, and the 2026 change is an extension of that scheme. The scheme name, the benefit structure and the hospital network already exist; only the eligibility range has widened. Families who were earlier outside the scheme because of the income limit can now join under the new tiers, while existing beneficiaries continue as before.
Quick Facts: Chirayu Haryana Yojana at a Glance
| Point | Detail |
|---|---|
| Full name | Comprehensive Health Insurance of Antyodaya Units (CHIRAYU) |
| State | Haryana |
| Launched | 21 November 2022 |
| New extension effective | 1 November 2026 |
| Run by | Haryana Health Department / Ayushman Bharat Haryana Health Protection Authority |
| Annual cashless limit | Up to Rs 5 lakh per family per year |
| Treatment packages | 2,694 packages |
| Hospitals | Empanelled public and private hospitals |
| Pre-existing conditions | Covered |
| Family size / age cap | No cap |
| Income verification basis | Parivar Pehchan Patra (PPP) |
| National helpline | 14555 |
| Haryana SHA helpline | 1800 180 2036 |
Contribution Tiers: Who Pays What
Under Chirayu Haryana Yojana, the contribution depends on the family’s verified annual income. Income is decided on the basis of the income recorded in the Parivar Pehchan Patra or PPP. The PPP income will be treated as final, not an estimate or a verbal claim. The full table of all four tiers is given below.
| Verified annual family income (as per PPP) | Annual contribution (per family) | Status |
|---|---|---|
| Up to Rs 1.80 lakh | Free | Existing Antyodaya tier |
| Above Rs 1.80 lakh up to Rs 3 lakh | Rs 1,500 per year | Existing tier |
| Above Rs 3 lakh up to Rs 6 lakh | Rs 4,000 per year | NEW tier, from 1 November 2026 |
| Above Rs 6 lakh | Rs 5,000 per year | NEW tier, from 1 November 2026 |
The table makes one point clear: in the new tiers too, the contribution is annual and per family, not per person. The whole family is covered under a single contribution. Compared with cashless treatment up to Rs 5 lakh per year, this contribution is relatively small, especially when a major operation or a long treatment is needed. Even so, confirm your tier from PPP before paying, because enrolment under a wrong income tier can cause trouble later.
Take a simple example. Suppose a family’s verified PPP income is Rs 4.50 lakh. That family falls in the new above Rs 3 lakh up to Rs 6 lakh tier, and its annual contribution is Rs 4,000. A family with income of Rs 7 lakh falls in the above Rs 6 lakh tier, and its annual contribution is Rs 5,000. But if the PPP income is wrongly recorded, the tier will also be wrong, which is why correcting PPP income first is essential.
What is Covered under Chirayu Haryana Yojana
The scheme covers secondary and tertiary treatment at empanelled hospitals. This includes hospitalisation, operations, many types of tests and treatment-related services that fall under a fixed package. The fact that there are 2,694 packages means that a long list of diseases and procedures is already defined. A patient needs to know which package their treatment falls under, and whether the hospital they choose is empanelled under the scheme.
Coverage of pre-existing conditions is one of the strongest features of this scheme. Many private health insurance plans have a waiting period for pre-existing diseases, but Chirayu Haryana Yojana is reported to cover all pre-existing conditions. This means that even if a family member already has a long-term illness, treatment can still be covered, provided it falls under a defined package and is taken at an empanelled hospital.
The absence of a family-size cap is also a major benefit. In large families, there is often worry that only a few members will be included in insurance, but under this scheme the whole family can be covered. No age cap has been reported either, so elderly members can also be covered with the family. However, for people aged 70 and above, a separate arrangement under the Vay Vandana scheme as per central rules has also been mentioned in reports, and this is explained separately below.
Who is NOT Covered under the Extended Scheme
Like every scheme, the Chirayu Haryana Yojana extension also has exclusions. According to reports, people who are already covered under another government health facility will not be covered under the extended scheme. This includes people covered under CGHS, the Central Government Health Scheme, ECHS, the Ex-Servicemen Contributory Health Scheme, railway health services, medical attendance schemes, and health facilities of the armed forces or paramilitary forces.
The reason is straightforward: the same person should not get double benefit from two government health schemes. If you are already covered under one of these schemes, check your status before applying for the new Chirayu Haryana Yojana tier. Enrolment with wrong information can later lead to a claim being rejected.
For people aged 70 and above, a separate arrangement has been mentioned. As per central rules, people aged 70 and above are covered under the Vay Vandana scheme. Families should therefore check which scheme applies to members in this age group, and how it differs from Chirayu Haryana Yojana. Other family members may be covered under Chirayu Haryana Yojana, while members aged 70 and above may fall under their applicable scheme, but the final position should be confirmed from the official helpline.
Why PPP (Parivar Pehchan Patra) Matters Most
Eligibility under Chirayu Haryana Yojana is based on the Parivar Pehchan Patra, or PPP. PPP is Haryana’s family identity database, which records family members, their income and other details. In the new tiers, both your eligibility and your contribution will be decided by the verified income recorded in PPP. That is why correct PPP income is the first condition.
If the PPP income is wrong, correct it first. For example, if your actual income is Rs 4 lakh but PPP shows Rs 2 lakh, you will fall in the wrong tier. Similarly, if your actual income is lower but PPP shows a higher figure, you may have to pay a higher contribution or face an eligibility problem. Checking PPP before enrolment is therefore not optional; it is the foundation of the whole process.
Our site already has a detailed guide on PPP Haryana. Read it here: PPP Haryana Parivar Pehchan Patra 2026 Guide. This guide gives basic information on PPP that will help you prepare for Chirayu Haryana Yojana.
Steps to Correct PPP Income if it is Wrong
- First, check your PPP details. Keep your PPP ID and family member details ready.
- Match the annual income recorded in PPP with your actual income. Keep proof of income ready, such as salary, business or other income documents.
- If the income is wrong, follow the official PPP correction process. Submit the correct documents and keep the receipt or reference number safely.
- After correction, check again whether the income has been correctly updated in PPP. Do not decide your Chirayu Haryana Yojana tier until the corrected income is visible.
- Once the income is correct, confirm your tier and contribution. For this, visit the official portal or call the helpline 14555 or 1800 180 2036.
- Keep every paper and message related to the correction safe, so that it can be shown at the hospital or at enrolment if needed.
Note that the PPP correction process and required documents can change from time to time, so confirm the latest process from the official PPP portal or the nearest service centre. The steps above describe the general process, not a final official instruction.
How to Use the Scheme at a Hospital: Step by Step
- First, confirm that you are eligible for Chirayu Haryana Yojana and that your PPP income is correct.
- Check the list of empanelled hospitals in your district from the official portal. Not every hospital is part of the scheme, so checking the list in advance is essential.
- At hospital admission, show your Ayushman Bharat Golden Card number or PPP ID. This helps the hospital verify your eligibility.
- The hospital will confirm your eligibility and the treatment package. Before treatment starts, find out whether your treatment falls under a defined package and how much of the annual Rs 5 lakh limit remains.
- Keep all hospital papers, test reports and discharge-related documents safely during and after treatment.
- If you face any problem at the hospital, first speak to the hospital help desk. If the issue is not resolved, use the district-level and state-level grievance redressal system mentioned under the scheme.
- Be careful about any demand for payment. Cashless treatment means that, within the defined limit and package, you should not have to pay for treatment. If any extra charge is demanded, take it in writing and complain on the helpline.
Important Honesty Box: New-Tier Enrolment Process is Not Yet Detailed
This is the most important part of this article, so read it carefully. News reports confirm that eligibility for families with income above Rs 3 lakh starts from 1 November 2026, but the enrolment route and enrolment window specifically for the new above-Rs-3-lakh tier have not yet been detailed in the reports checked. In other words, it is not yet clear where, how and from which date families in the new tier will enrol, and whether there is a separate portal link for them.
Therefore, this article does not give any dedicated Chirayu portal URL, any application start date, or any last date for the new tier. If you see a website, video or message claiming a last date or a separate portal for the new tier, confirm it from the official Ayushman Bharat Haryana portal and helpline before trusting it. Older paid-category guidance about a July to September enrolment window and a November to October policy year, seen in a general guide, must not be presented as the new tier’s window, because that is old general information, not confirmation for the new tier.
The safest step for new-tier families is this: first check and, if needed, correct your PPP income, then visit the official portal https://ayushmanbharat.haryana.gov.in/ or call the helpline 14555 or 1800 180 2036 and ask for the enrolment step for the new tier. Proceed only when the official process is published. Do not share personal information or money on any unauthorised link in a hurry. A live check of the official Chirayu gallery page showed only the heading “Chirayu Haryana Scheme”, with no scheme details, and a footer saying Last Updated 25.08.2023, which makes confirmation from the homepage and helpline even more important.
The same caution applies to documents. In general, PPP or family ID and Aadhaar-linked bank details may be needed, but this is only general framing, not the official new-tier document list. Confirm which documents are required for the new tier from the official portal or helpline.
Who Benefits Most from this Extension
This extension is most useful for middle-income families who were neither in the poorest category nor able to easily afford expensive private health insurance. Many families with income between Rs 3 lakh and Rs 6 lakh, and above Rs 6 lakh, manage household expenses from monthly income, but a single large hospital bill can wipe out their savings. For such families, cashless treatment up to Rs 5 lakh per year is a major safety net.
Small business owners, shopkeepers, drivers, private-sector employees, contract workers and families whose PPP income is above Rs 3 lakh are among the likely beneficiaries. The relief is even greater for families with elderly parents or members with long-term illness, because their treatment cost keeps rising year after year.
Even so, the benefit will come only when eligibility, PPP income, empanelled hospital and package conditions are met. Do not treat the scheme as news alone; make checking your own eligibility the first step.
Precautions Related to Chirayu Haryana Yojana
First, do not trust any site that presents itself as a government website for Chirayu Haryana Yojana and asks for money or personal information. Take official information only from the Haryana Ayushman Bharat portal and helpline. Second, do not pay any agent extra money for enrolment unless such a charge is clearly stated in the official process.
Third, check the hospital before treatment. Confirm that the hospital is empanelled and that your treatment falls under a defined package. If the hospital is not empanelled, the cashless benefit will not apply. Fourth, remember that the annual Rs 5 lakh limit is for the whole family. Keep track of treatment taken during the year, so that you are not surprised when the limit runs out near the end of the year.
Fifth, know how to complain. If a hospital refuses service or demands a wrong charge, a complaint can be recorded at the district and state levels. When complaining, keep the hospital name, date, patient details and a short description of the incident ready.
Frequently Asked Questions (FAQ)
What is Chirayu Haryana Yojana?
Chirayu Haryana Yojana is Haryana’s health insurance scheme and the state’s extension of Ayushman Bharat PM-JAY. Launched on 21 November 2022, it gives eligible families cashless treatment up to Rs 5 lakh per year at empanelled hospitals.
What is new in Chirayu Haryana Yojana from 1 November 2026?
From 1 November 2026, families with annual income above Rs 3 lakh also become eligible. Earlier, the benefit was mainly limited to families with income up to Rs 3 lakh. Two new tiers have now been added: above Rs 3 lakh up to Rs 6 lakh, and above Rs 6 lakh.
How much free treatment is available under Chirayu Haryana Yojana?
An eligible family gets cashless treatment up to Rs 5 lakh per family per year. This limit is for the whole family for the year. It covers secondary and tertiary care, with 2,694 packages reported.
What contribution must a family with income above Rs 3 lakh up to Rs 6 lakh pay?
If the PPP-verified income is above Rs 3 lakh up to Rs 6 lakh, the annual contribution is Rs 4,000 per family. This is a new tier effective from 1 November 2026.
What contribution must a family with income above Rs 6 lakh pay?
If the PPP-verified income is above Rs 6 lakh, the annual contribution is Rs 5,000 per family. This is also a new tier effective from 1 November 2026.
How is income decided for Chirayu Haryana Yojana?
Income is decided from the verified income recorded in the Parivar Pehchan Patra (PPP). If the PPP income is wrong, correct it first, because your tier and contribution will be decided on that income.
What must be shown at hospital admission?
At hospital admission, the beneficiary must show the Ayushman Bharat Golden Card number or PPP ID. This allows the hospital to verify eligibility.
Are pre-existing diseases covered?
Yes, according to reports, all pre-existing conditions are covered under the scheme. There is no cap on family size or age as reported.
Who is not covered under the extended scheme?
People already covered under CGHS, ECHS, railway health services, medical attendance schemes, or armed forces and paramilitary health facilities are not covered under the extended scheme. People aged 70 and above are covered under the Vay Vandana scheme as per central rules.
When and how can new-tier families enrol?
The enrolment route and window specifically for the new above-Rs-3-lakh tier have not yet been detailed in the reports checked. No dedicated portal URL, start date or last date is given in this article. First check and correct PPP income, then ask the official portal or helpline for the new-tier enrolment step.
What is the helpline for Chirayu Haryana Yojana?
The national helpline is 14555 and the Haryana SHA helpline is 1800 180 2036. The official portal is https://ayushmanbharat.haryana.gov.in/.
Is Chirayu Haryana Yojana a new scheme launched in 2026?
No, it is not a new scheme launched in 2026. It is an extension of the scheme launched on 21 November 2022, under which middle-income families are now being added from 1 November 2026.
Important Links
| Link | Detail |
|---|---|
| Ayushman Bharat Haryana Official Portal | Official authority site – the main source for confirming the scheme |
| Chirayu Haryana Scheme Official Page | Note: a live check found only the heading “Chirayu Haryana Scheme” on this page, with no eligibility, contribution or benefit details, and a footer saying Last Updated 25.08.2023. Do not treat this page as the source for any figure. |
| PPP Haryana Guide (Our Site) | Our guide on Parivar Pehchan Patra |
Helplines: National 14555, Haryana SHA 1800 180 2036.
Disclaimer: This is a private information portal, not a government website. This article is for information only. For eligibility, contribution, enrolment and hospital lists, always confirm from the official portal and helpline.
In conclusion, the Chirayu Haryana Yojana extension from 1 November 2026 is a major step for middle-income families in Haryana. Cashless treatment up to Rs 5 lakh, coverage of pre-existing diseases, no cap on family size, and fixed annual contributions in the new tiers make the scheme genuinely useful for ordinary families. But the most important steps are still in your hands: check your PPP income, correct it if needed, and confirm the official enrolment process for the new tier. Do not trust any link in a hurry without that confirmation. With correct information, this scheme can truly become a safety shield for your family.
