RAS question
Chiranjeevi Health Insurance Scheme in Rajasthan provides:
Correct answer: (B) Free health insurance coverage up to ₹25 lakh per family per year.
The Chiranjeevi Health Insurance Scheme, now implemented as Mukhya Mantri Ayushman Arogya Yojana, provides cashless health coverage up to Rs 25 lakh per family per year in Rajasthan.
Explanation
The scheme is about health-risk protection, not a direct income benefit. The official Rajasthan Economic Review 2024-25 states that Mukhya Mantri Ayushman Arogya Yojana is implemented to protect families from high out-of-pocket expenditure by offering cashless treatment to eligible beneficiaries at government and private empanelled hospitals. It records around 1.33 crore families registered under the scheme and specifies the annual family cover as Rs 25 lakh. That cover is structured as Rs 5 lakh in insurance mode and Rs 20 lakh in trust mode. This is why the closest and complete option is free health insurance coverage up to Rs 25 lakh per family per year.
Why the other options are wrong
- (A) The scheme offers cashless treatment and health insurance protection; it is not a monthly cash-transfer scheme.
- (C) The official review describes cashless treatment at government as well as private empanelled hospitals, not only OPD care at government hospitals.
- (D) Rs 5 lakh is only the insurance-mode component; the official annual cover is Rs 25 lakh per family when the Rs 20 lakh trust-mode component is included.
Concept
This tests Rajasthan welfare schemes under the Economy of Rajasthan, especially social-sector spending and health protection. RAS often asks such schemes through their benefit type, coverage limit and implementing design.