RGHS vs Chiranjeevi Health Insurance
The Rajasthan government headed by the chief minister Mr Ashok Gehlot introduced two health schemes for the citizens of Rajasthan in 2021. These schemes have great potential and offer unprecedented opportunities for healthcare to the citizens of the state. Both of these schemes have similarities and differences. So, let’s take a closer look into the similarities and differences between these two schemes and how you can benefit from each.
Similarities between Chiranjeevi and RGHS scheme
Both of these schemes are offered to and only the citizens of Rajasthan. The Chiranjeevi scheme can be availed by temporary residents of Rajasthan as well under certain provisions. Temporary residents can not avail themselves of the RGHS scheme of Rajasthan.
Both these schemes offer cashless medical health facilities at any of the registered hospitals under the scheme up to 5 lakh rupees. Both these schemes offer cashless medical facilities to beneficiaries at almost all the government and private hospitals in the state.
The registration process for both of these schemes is performed online.
These are some of the similarities between the two schemes. Now, let’s take a look at the different benefits and differences between each of these schemes.
Chiranjeevi Health Scheme
The Chiranjeevi health scheme introduced by the state government of Rajasthan is a health scheme for all the citizens of the state. Regardless of their financial standing, each citizen of the state is entitled to cashless healthcare facilities up to 5 lakh rupees for various illnesses and health problems. The coverage includes and is not limited to the care and treatment of patients suffering from COVID-19 and black fungus. Other than that, this scheme also beneficiaries below the poverty line to avail hemodialysis services under medical treatment. Diagnostic tests, as well as patient care up to 15 days after their discharge from the hospital, are also covered under the Chiranjeevi health scheme. This scheme can be availed as many times as a beneficiary needs in a year with no limitations except for the coverage limit of 5 lakh rupees.
Rajasthan Government Health Scheme (RGHS)
The RGHS was introduced alongside the Chiranjeevi scheme, but the RGHS scheme is reserved only for people that are excluded from availing the Chiranjeevi scheme. Government employees, Members of the Legislative Assembly, judges can avail themselves of the RGHS instead of the Chiranjeevi scheme. In terms of benefits, Chiranjeevi and RGHS are similar. However, the beneficiary does not need to pay any premium for availing RGHS. The list of diseases and medical tests covered under RGHS are also similar to that of the Chiranjeevi scheme, and beneficiaries can avail themselves cashless medical facilities at any government and private hospital in Rajasthan up to 5 lakh rupees under RGHS as well. Diseases like COVID-19 and black fungus are also covered under RGHS.
Conclusion
The Chiranjeevi scheme and RGHS are both exceptionally great medical facilities that are sure to help a great majority of the population of Rajasthan. With universal healthcare facilities being available to the mass population, this is sure to reduce the mortality rate in certain parts of the population and provide quality healthcare facilities to them.