Mukhyamantri Chiranjeevi Swasthya Beema Yojana (MMCSBY)

A substantial population is below the poverty line in Rajasthan. They face a severe challenge in regards to health care since they are not able to make ends meet. The State Government has taken account of this situation and launched the MMCSBY.

 

The key ambition of this project is to provide accessible and affordable healthcare. It offers benefits up to ₹5 Lakhs at an annual premium of ₹850 per family per year, which translates to ₹70.8 per month.

 

Insured members under this health plan can get treated at any hospital. It also offers an accidental cover of ₹5 Lakhs, bringing the total coverage amount to ₹10 Lakhs.

 

Let us take a closer look at the scheme's benefits, how to apply and avail its benefits, etc.

The MMCSBY works like any other health insurance plan. The difference being that it caters to the economically backward members of society. In this scheme, the insured people need to pay a nominal annual premium of ₹850 to keep the policy active. The insured can get medical treatments at any of the listed hospitals without any extra cost.

 

The MMCSBY scheme secures your finances and avoids the need to use their savings in case of an emergency. People living below the poverty line can now access affordable and quality healthcare.

Here are the key features of the Mukhyamantri Chiranjeevi Swasthya Beema Yojana (MMCSBY):

 

1. The scheme has a budget of approximately ₹3,500 Crores

 

2. The MMCSBY is a cashless health insurance scheme.

 

3. This scheme offers health insurance to those families who are residents of Rajasthan. They should fall under the following categories:

• BPL (Below Poverty Line)

• SECC (Socio Economic and Caste Census)

• NFSA (National Food Security Act)

 

4. Small farmers, tenant farmers, and Samvida departmental workers are eligible for this scheme.

 

5. If you have enrolled for the Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana (ABMGSBY) can also benefit from MMCSBY scheme.

 

6. This scheme covers the following:

• Medical treatments

• Medical tests

• Hospitalisation expenses

• Costs up to 15 days post hospitalisation

 

7. It also offers medical cover of ₹5 Lakhs and an accidental cover of ₹5 Lakhs

 

8. Complicated and expensive procedures are also covered under this scheme:

• Heart, liver, and bone marrow transplants

• Joint Replacements

• COVID-19 care

This healthcare scheme sponsored by the Rajasthan government comes with many benefits. Here are some of the prominent benefits that the eligible citizens of the state can utilise:

• Enrolled members can get access to over 1500 tests and treatments.
• Hospitalisation costs and expenses up to 15 days post-hospitalisation are covered under MMCSBY.
• You do not need to pay for these tests and treatments, since the scheme is cashless in nature. You are only required to pay the nominal premium amount each year
• By paying a small premium of ₹850 per family, you can get a high coverage of ₹5 Lakhs
• You also get an accident coverage of another ₹5 Lakhs without any additional cost
• Members can access any private or government hospitals listed under the MMCSBY network

• The MMCSBY has been designed for the economically weaker population of Rajasthan. MMCSBY has a strict eligibility criteria to prevent its misuse. Please go through the eligibility criteria section to avoid getting your application rejected.
• The premium-to-cover sum in this scheme is quite high. Benefit from the cashless tests and treatment for your eligible family members.
• Health insurance is a vital instrument to protect your health and finances. If you are not eligible for the MMCSBY then consider a private health insurer for entire family.

The MMCSBY Health Insurance Scheme is easy to register for. Here are the steps to go about this:

 

1.Visit the official MMCSBY SSO (Single sign-on) website

 

2.First time users will need to register and create an account

 

3.Choose an applicable option:

• State government employee
• Resident of Rajasthan
• Fall under the industrial category.

 

4.Register on the portal using Jan Aadhaar  

 

5.Your registration is complete once you verify your personal details. A unique SSO ID will be assigned to you. Access your account by entering your login credentials and captcha code.

 

6.Subsequently, you can login to the portal using your SSO ID and password.

After registering yourself and your family on the MMCSBY Portal. You can now apply for the scheme by following these steps:

1. Visit the SSO site using your SSO ID and password

2. Open the dashboard and fill in the necessary personal details of each family member

3. Your Jan Aadhaar card details will be required to complete the application

4. Once done, verify your details and click on ‘Submit’

5. Print the acknowledgement or take a screenshot for future reference

To receive all the benefits offered by the MMCSBY.  You must understand the eligibility criteria for this scheme. These are as follows:

 

1.Only permanent residents of Rajasthan can benefit from this scheme. Residents that have migrated will not be considered eligible. 

 

2.You must be registered as one of the follows:

• Socio-Economic and Caste Census of 2011 (SECC)
• Below Poverty Line (BPL)
• National Food Security Act (NFSA) card holder

 

3.If you have enrolled for the Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana, then you are eligible MMCSBY too.

 

4.Small farmers and Samvida workers can also avail of the benefits of this scheme

After applying for MMCSBY, your application will go through a verification process. Once the verification is complete, a link is generated and shared on your registered email ID.

 

By clicking on this link, you can access your account dashboard. This will provide you with the current status of the application. This dashboard will display other clarifications requested by the concerned authorities.