Haryana Chirayu Expansion: ₹5 Lakh Cover

Haryana Chirayu-Ayushman Expansion: Families Earning Over ₹1.80 Lakh Can Now Buy ₹5 Lakh Health Cover — Premiums and How to Register by 30 November 2026

Families in Haryana with an annual income above ₹1.80 lakh can now access the expanded Chirayu-Ayushman Bharat health coverage by paying an annual contribution based on their verified family income. The scheme provides up to ₹5 lakh per family per year for eligible treatment at empanelled hospitals.

The Haryana government has announced three annual contribution slabs for families above the existing income threshold. The registration and payment portal is scheduled to remain open until 30 November 2026, and the new policy period runs from 1 November 2026 to 31 October 2027. These details were confirmed in an official Haryana government press release published on 12 October 2026. Source: Haryana Government — Press Release.

If your family’s income is above ₹1.80 lakh, here is what you need to know about the premium, eligibility, registration process and documents before applying.

What is the Chirayu-Ayushman expansion?

Chirayu Haryana is the state's extension of Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). It provides eligible families with cashless treatment for covered medical conditions at participating hospitals.

Under the expanded contribution-based arrangement, families whose verified annual income exceeds ₹1.80 lakh can participate by paying the applicable annual amount. Eligibility is determined using the verified income recorded in the Parivar Pehchan Patra (PPP), also known as Family ID.

The benefit is up to ₹5 lakh per family per year, subject to the scheme's eligibility rules, covered treatment packages and hospital network. It is not ₹5 lakh in cash paid to the family.

The latest expansion extends the contribution-based option to higher-income groups, including families earning above ₹6 lakh annually. Source: The Tribune, 7 October 2026.

Haryana Chirayu-Ayushman premium rates for 2026–27

The annual contribution depends on the family's verified annual income in the PPP record.

Verified annual family income	Annual contribution	Health cover
₹1.80 lakh to ₹3 lakh	₹1,500	Up to ₹5 lakh per family
Above ₹3 lakh to ₹6 lakh	₹4,000	Up to ₹5 lakh per family
Above ₹6 lakh	₹5,000	Up to ₹5 lakh per family

Important: These are annual amounts per family, not monthly premiums per person. The official announcement describes the amount as a nominal annual contribution. Check the portal's payment summary before paying to confirm the amount applicable to your family. Source: Haryana Government — Official announcement.

Examples of what a family may pay

A family with verified annual income of ₹2.5 lakh falls in the ₹1,500 annual contribution slab.
A family with verified annual income of ₹4.5 lakh falls in the ₹4,000 slab.
A family with verified annual income of ₹7 lakh falls in the ₹5,000 slab.

These examples assume the family meets the scheme's other eligibility requirements and its PPP income record is verified.

Important dates: Registration deadline and coverage period

Registration and payment deadline: 30 November 2026
New policy period: 1 November 2026 to 31 October 2027
Official portal: chirayuayushmanharyana.in

The government has stated that the registration and payment gateway will remain open until 30 November 2026. Do not wait until the final day: allow time to correct any Family ID or income-verification issue and confirm that the payment has been recorded.

The policy period is the announced coverage period; it should not be taken as confirmation that a particular family is already enrolled. Complete the required registration and payment steps and verify your status. Source: Haryana Government — Press Release.

Who can apply for the expanded scheme?

The principal group covered by this contribution-based expansion is Haryana families whose verified annual family income is above ₹1.80 lakh.

Before applying, check the following:

Your family has a valid Parivar Pehchan Patra (PPP/Family ID).
Your annual family income is correctly recorded and verified in the PPP database.
Your family falls within an income slab covered by the contribution-based arrangement.
You can complete the registration and contribution payment through the authorised process.
You verify the resulting enrolment or card status rather than assuming payment alone has completed every step.

The scheme's official guidance identifies PPP as the key family identity and income-verification document. If the portal does not show the expected eligibility or premium, contact an authorised Common Service Centre (CSC) before paying through another channel. Source: Ayushman Bharat Haryana — Implementation Overview.

How to register for Chirayu-Ayushman online

Start with the official Chirayu Haryana portal. The registration and payment gateway is intended for the policy period running from 1 November 2026 to 31 October 2027.

Step 1: Open the official website

Visit https://chirayuayushmanharyana.in/.

Check that you are on the official portal before entering personal details or making a payment.

Step 2: Select the application option

Choose “Click to Apply” or the corresponding application option shown on the website. The portal may require you to identify your family using the relevant PPP details.

Step 3: Check your family and income details

Verify the information shown against your Family ID. Pay particular attention to the annual income recorded in the PPP database because the contribution slab depends on that figure.

If the income is incorrect, do not assume that paying the amount displayed will resolve the discrepancy. Ask the relevant PPP or authorised service-centre staff how to correct the record.

Step 4: Review the contribution amount

Check which annual slab applies to your family:

₹1,500 for annual income from ₹1.80 lakh to ₹3 lakh.
₹4,000 for annual income above ₹3 lakh and up to ₹6 lakh.
₹5,000 for annual income above ₹6 lakh.

Confirm the amount displayed in the official payment flow before proceeding.

Step 5: Complete the payment through the authorised gateway

Follow the portal's instructions to pay the applicable annual contribution. The official Chirayu portal identifies Canara Bank as its payment partner.

Use only the payment route presented by the official portal or an authorised service centre. Save the transaction reference, receipt and confirmation message.

Step 6: Verify payment and enrolment status

Return to the official portal and use the “Check Payment Status” option if needed. Confirm that the payment has been recorded successfully.

If a card has already been issued to a family member, the government advises visiting a CSC for verification as well. Do not rely only on a bank debit message as proof of completed enrolment.

Official registration portal: Chirayu Haryana

Can you register at a Common Service Centre?

Yes. The Haryana government has advised eligible families to visit their nearest Common Service Centre (CSC) to apply for the scheme. This is a useful option if you are unsure about your Family ID, online eligibility or payment status.

At the CSC, explain that you want to register for the contribution-based Chirayu-Ayushman coverage for the 2026–27 policy period.

Carry the following information and documents, as applicable:

Parivar Pehchan Patra (PPP/Family ID).
Aadhaar or another identity document if requested for verification.
Registered mobile phone for OTPs and confirmation messages.
Existing Ayushman or Chirayu card, if one has been issued.
Payment receipt or transaction reference if you have already paid.

Ask for an acknowledgement or confirmation of the transaction. Keep a copy of any receipt provided.

The government has specifically advised families whose Ayushman cards were distributed by ASHA workers to visit a CSC for verification. Source: Haryana Government — Press Release.

What treatment does the ₹5 lakh cover include?

The cover is intended for eligible secondary and tertiary hospital treatment covered under the scheme. Depending on the approved package and medical circumstances, covered costs may include hospitalisation, procedures, medicines, diagnostics and other specified treatment expenses.

However, the ₹5 lakh figure is a maximum annual family cover, not an unrestricted allowance for every medical expense.

Before planned treatment, confirm that:

Your family is enrolled and eligible for the benefit.
The hospital is currently empanelled under the scheme.
The proposed procedure or treatment package is covered.
The hospital has completed the required eligibility and pre-authorisation checks, where applicable.
You understand any exclusions or limits that apply to the proposed treatment.

Routine outpatient consultations are generally not covered in the same way as eligible hospitalisation packages under PM-JAY. Ask the hospital's Ayushman help desk to verify coverage before proceeding.

The Haryana government publishes information about Ayushman benefits and the hospital network through its official Ayushman Bharat Haryana website.

What if your PPP income is wrong?

Your Family ID's verified income is central to determining the applicable contribution. If the portal places your family in the wrong slab or says you are not eligible, first check the income currently recorded in your PPP.

Take these steps:

Review your Family ID and income details through the authorised PPP service.
If the record is incorrect, ask the relevant authority or CSC about the prescribed correction process.
Keep any acknowledgement for the correction request.
Recheck eligibility on the Chirayu portal after the record is updated.
Contact official scheme support if the portal still displays inconsistent information.

Do not select an income slab simply because it has a lower contribution. Use the verified family income and the amount confirmed by the official system.

What if your payment succeeds but your card or status does not update?

A bank debit does not always mean the portal has immediately updated the payment or enrolment record.

If your money has been debited but the payment status remains pending:

Save the transaction ID, date, amount and bank confirmation.
Use the official portal's payment-status option.
Avoid making a second payment until you have checked the first transaction.
Contact the scheme's payment support channel using the details published on the official portal.
If necessary, visit an authorised CSC with your PPP details and payment proof.

The Chirayu portal lists chirayuextension@gmail.com as its payment-related support email. Verify the current contact information on the official website before sharing transaction details.

Never share an OTP, banking password or card PIN with someone claiming to help you register.

Where to get official help

Use the following official channels for scheme information and registration assistance.

Chirayu Haryana registration and payment: chirayuayushmanharyana.in
Ayushman Bharat Haryana department: ayushmanbharat.haryana.gov.in
Ayushman Bharat helpline: 14555
Local application assistance: Nearest authorised CSC

For questions about your specific family record, provide your PPP details only through authorised government services or verified service-centre processes.

Frequently asked questions

Can families earning more than ₹6 lakh apply?

The announced expansion includes a contribution slab for families with verified annual income above ₹6 lakh, with an annual contribution of ₹5,000, subject to the scheme's eligibility and registration requirements.

Is the ₹5 lakh benefit available to every family member separately?

No. The advertised cover is up to ₹5 lakh per family per year, subject to the scheme rules. It is not a separate ₹5 lakh limit for every family member.

Is the contribution monthly or yearly?

The published rates are annual contributions: ₹1,500, ₹4,000 or ₹5,000, depending on the verified family income slab.

Can I register after 30 November 2026?

The current announcement says the registration and payment gateway will remain open until 30 November 2026. If you miss that date, check the official portal for any extension or subsequent registration window rather than assuming that late payment will be accepted.

My family already has an Ayushman card. Do we need to check again?

If your card was distributed by an ASHA worker, the government has specifically advised visiting a CSC for verification. In all cases, check your payment and enrolment status for the new policy period rather than assuming that an existing card automatically confirms the new contribution-based coverage.

Can I use the cover at a private hospital?

Eligible treatment is available at participating government and private hospitals. Confirm that the hospital is currently empanelled and that your treatment package is covered before admission.

Final checklist before 30 November 2026

Check your PPP/Family ID and verified annual family income.
Confirm the applicable annual contribution.
Apply through the official Chirayu portal or an authorised CSC.
Pay only through the authorised payment gateway.
Save your payment receipt and transaction reference.
Check payment and enrolment status.
Verify your card and eligibility for the new policy period.
Confirm hospital empanelment and treatment-package coverage before planned care.

Final word

Haryana's Chirayu-Ayushman expansion gives eligible families earning above ₹1.80 lakh an option to access up to ₹5 lakh in annual cashless treatment cover by paying a contribution based on verified family income.

The announced annual contribution is ₹1,500 for families earning ₹1.80 lakh–₹3 lakh, ₹4,000 for those earning above ₹3 lakh up to ₹6 lakh, and ₹5,000 for families earning above ₹6 lakh.

With registration and payment scheduled to close on 30 November 2026, check your Family ID, confirm your contribution and complete the process through the official portal or an authorised CSC. Always verify that your payment and enrolment have been recorded before relying on the coverage.

Official sources