Sabse pehle ek khabar jo seedha aapke kaam ki hai: 15 September se 30 November 2026 tak Chirayu renewal window khuli hai. 2026-27 ka policy year 1 November 2026 se 31 October 2027 tak chalega, aur purana cover 31 October 2026 ko khatm ho raha hai. Matlab — paid slab me aane wale parivaron ne agar 30 November se pehle premium nahi bhara, to 1 November se unka card asptalon me kaam karna band kar dega.
Ye article purani Chirayu jankari ka doharav nahi hai. Ye 2026-27 renewal cycle ki fresh update hai — naye premium slabs, PPP income ka khel, aur wo galtiyan jo aam taur par log karte hain aur phir emergency me card reject hota hai. Chirayu ke baare me general jankari humare pehle wale Ayushman Card article me mil jayegi; yahan focus hai iss saal ke renewal par.
Turant action chahiye ya nahi? 2 minute me tay karein
Lambi details me jaane se pehle ye quick filter dekh lein — 2 minute me pata chal jayega ki aapko abhi kya karna hai:
✓ Abhi action lein agar:
- Aapke paas Chirayu card hai aur aapke parivar ki PPP-verified income ₹1.80 lakh se zyada hai — aapko paid slab ka premium dena hoga.
- Aapne pichle saal (2025-26) premium diya tha — renewal automatic nahi hai, phir se payment karna padega.
- Aapki PPP income update nahi hui hai aur aapko lagta hai income kam dikh rahi hai — pehle correction, phir payment.
✗ Abhi premium dene ki zaroorat NAHI agar:
- Aapki PPP-verified income ₹1.80 lakh tak hai — sarkar premium khud deti hai, aapka cover free hai (phir bhi portal par status check kar lein).
- Aapke paas sirf PM-JAY (Ayushman) card hai aur income criteria ke andar aate hain — Chirayu paid slab wala renewal aap par lagu nahi hota.
Premium slabs 2026-27: aapki jeb se kitna jayega
Chirayu ka sabse bada confusion yahi hai — premium koi income certificate dekhkar nahi lagta. Premium lagta hai aapke Parivar Pehchan Patra (PPP) me verified annual income par. 2026-27 ke policy year ke slabs ye hain:
| PPP-verified annual income | Annual premium | Kaun dega |
|---|---|---|
| ₹1.80 lakh tak | ₹0 (Free) | Haryana sarkar |
| ₹1.80 lakh – ₹3 lakh | ₹1,500 / saal | Parivar khud (online payment) |
| ₹3 lakh – ₹6 lakh | ₹4,000 / saal | Parivar khud (online payment) |
| ₹6 lakh se zyada | ₹5,000 / saal | Parivar khud (online payment) |
Badle me kya milta hai: Har slab me ₹5 lakh tak ka cashless treatment — sarkari aur empanelled private asptalon me. Ye floater basis par hai, matlab parivar ka koi bhi sadasya isse istemal kar sakta hai. Parivar ke aakar ya umr ki koi limit nahi hai. Sarkari aankdon ke mutabiq February 2025 tak lagbhag 1,238 asptal (502 sarkari + 736 private) is scheme se jude hue hain — apne najdeeki asptal ke liye portal par empanelled hospital list zaroor check karein.
PPP income ka khel: sabse aam aur mehnga confusion
Real life me sabse zyada gadbad yahin hoti hai. Kai parivaron ka PPP me income ka figure ya to purana hai, ya galat hai — aur Chirayu ka premium usi figure par lagta hai. Do aam haalat:
Haalat 1: Aapki asal income ₹2.5 lakh hai, lekin PPP me ₹7 lakh dikh raha hai (kisi purane record ki wajah se). Portal aapse ₹5,000 premium maangega — jabki aapko ₹1,500 dena chahiye tha. Seedha ₹3,500 ka nuksan.
Haalat 2: PPP me income ₹1.6 lakh dikh rahi hai, aap sochte hain "hum to free wale hain". Lekin asal me income badh chuki hai aur record update nahi hua — to emergency me asptal me claim verification par dikkat ho sakti hai.
Isliye rule number one: Payment karne SE PEHLE meraparivar.haryana.gov.in par apne PPP me verified income check karein. Agar figure galat hai to pehle income correction karwayein (Atal Seva Kendra/CSC par), aur sahi figure update hone ke baad hi premium pay karein. Galat slab par payment karne ke baad premium wapas milna mushkil hota hai.
Mithak vs Sachchai — Chirayu renewal par 5 bhram
| ❌ Mithak (galatfehmi) | ✅ Sachchai |
|---|---|
| Pichle saal premium diya tha, to is saal automatic renew ho jayega | Automatic renewal nahi hota. Paid slab walon ko har saal naye policy year ke liye phir se premium dena padta hai. |
| Ayushman card hai to Chirayu automatically mil jayega | Ayushman (PM-JAY) aur Chirayu alag-alag enrollment hain. Chirayu ke liye alag se registration/payment chirayuayushmanharyana.in par hota hai. |
| Premium sirf ek baar de diya, ab zindagi bhar kaam karega | Premium saalana hai. 2025-26 ka cover 31 October 2026 ko khatm ho raha hai — 1 November se purana card paid slab walon ke liye kaam nahi karega. |
| Online payment unsafe hai, agent ko paise de do | Payment sirf official portal ke payment gateway par karein. Kisi agent/dalal ko cash na dein — transaction ID hi aapka proof hai. |
| 30 November ke baad bhi late fee dekar renew ho jayega | Officially window 15 September – 30 November 2026 hai. Late payment par card kaam karega ya nahi, iski koi guarantee nahi — last date ka intezaar na karein. |
Payment kaise karein: step-by-step (phone se)
Sabse pehle PPP income check aur correction (upar wala step) kar lein. Uske baad:
1 Portal kholen: apne phone/browser me chirayuayushmanharyana.in kholen.
2 Registration/payment option chunen: 2026-27 policy year ke liye registration ya renewal ka option milega.
3 PPP/Parivar ID se details bharein: aapke parivar ki verified income ke hisaab se premium slab apne aap dikhega (₹1,500 / ₹4,000 / ₹5,000).
4 Form bharkar online pay karein: payment gateway se UPI/card/net-banking se premium pay karein.
5 Transaction ID sambhalkar rakhein: payment ke baad dikhi transaction ID ka screenshot aur print le lein. Card approval me thoda waqt lag sakta hai.
Phone se karne me dikkat ho to kisi bhi Atal Seva Kendra (CSC) par jakar ya empanelled asptal ke Ayushman help desk par bhi registration/payment ho sakta hai. Card approval ke baad physical PVC card dak se bheja jata hai — Chirayu card download karne ka koi alag online process official portal par nahi hai.
Card ke faayde kaise lein: hospital me cashless treatment
Card ban jane ke baad istemal ka tareeka simple hai:
- Empanelled asptal me jaane par Chirayu card / PPP details dikhayen.
- Asptal ke Ayushman Mitra / help desk se pre-authorization karwayen — ilaaj shuru hone se pehle ye step zaroori hai.
- Ilaaj cashless hota hai — ₹5 lakh ki limit tak aapko paise nahi dene padte.
- Scheme ke tahat lagbhag 1,500 se zyada bimariyon/treatment packages ka cover hai, aur Haryana ke bahar desh bhar ke empanelled asptalon me bhi ilaaj ho sakta hai.
Zaroori note: Agar koi empanelled asptal cashless treatment dene se mana kare to helpline 14555 par shikayat darj kar sakte hain. Sarkar ne asptalon ko treatment se inkar par sakht karwai ki chetawani di hui hai.
Do khaas baatein jo kai log nahi jaante
1. Shaadi ya janm se jude naye sadasya: Parivar me shaadi ke baad aayi bahu ya naya janma bachcha bhi scheme me jud sakta hai — iske liye marriage certificate ya birth certificate se parivar ke record me add karwana hota hai. Naam judte hi floater cover un par bhi lagu hota hai.
2. 70 saal se upar ke buzurg: PM-JAY ke tahat 70 saal ya usse zyada umr ke sabhi varishth nagrik — chahe income kuch bhi ho — ₹5 lakh ke cover ke haqdar hain. Agar ghar me 70+ ke mata-pita/dada-dadi hain aur unka card abhi tak nahi bana, to is renewal window me unka enrollment zaroor karwayein.
Aam galtiyan jo log karte hain (aur kaise bachein)
- Galti 1 — PPP income bina check kiye payment: Galat slab par premium de diya to zyada paise gaye ya cover me dikkat aayegi. Pehle meraparivar.haryana.gov.in par income verify karein.
- Galti 2 — Fake website par payment: Google par "Chirayu registration" search karne par milte-julte naam wali sites bhi aati hain. Sirf chirayuayushmanharyana.in ya official CSC/asptal desk par hi payment karein.
- Galti 3 — Transaction ID na sambhalna: Payment ke baad transaction ID ka screenshot na lene par, baad me payment dispute ho to proof nahi milega.
- Galti 4 — Last week ka intezaar: November ke aakhri dino me portal par bheed badh sakti hai. October me hi kaam nipta lein.
- Galti 5 — "Hum to pichle saal wale card se kaam chala lenge": 31 October 2026 ke baad purana paid cover expire — emergency me pata chalne par der ho chuki hogi.
Aksar pooche jaane wale sawaal (FAQ)
Q. Chirayu renewal ki last date kya hai?
A. 2026-27 ke policy year ke liye registration/payment window 15 September se 30 November 2026 tak khuli hai. Naya policy year 1 November 2026 se 31 October 2027 tak chalega.
Q. Meri income ₹1.80 lakh se kam hai, mujhe kya karna hai?
A. Aapke liye premium sarkar deti hai — aapko payment nahi karna. Phir bhi portal par apna status/active cover check kar lein taaki koi record mismatch na ho.
Q. Premium kaise decide hota hai — income certificate lagta hai?
A. Koi income certificate upload nahi hota. Premium PPP me verified annual income par lagta hai. Figure galat lage to pehle meraparivar.haryana.gov.in ya Atal Seva Kendra par correction karwayein.
Q. Payment ke baad card kab milega?
A. Approval ke baad physical PVC card dak se bheja jata hai. Chirayu card ka alag se online download process nahi hai. Treatment ke liye card ka approval/payment status hi kaafi hota hai.
Q. Agar asptal card par ilaaj se mana kare to kya karein?
A. 14555 (NHA helpline) par 24 ghante shikayat darj kar sakte hain. Iske alawa Chirayu ke liye 06239504471 / 06239504472 par bhi sampark kar sakte hain.
Q. Kya poore parivar ko alag-alag premium dena hoga?
A. Nahi. Premium parivar-wise hai — ek payment par poore parivar ko ₹5 lakh ka floater cover milta hai, parivar ke aakar ki koi limit nahi.
Aakhri baat
Chirayu jaisi scheme ki asli keemat tab samajh aati hai jab asptal ka bill saamne aata hai — ₹5 lakh ka cover ₹1,500-₹5,000 ke saalana premium par milna, sarkari sehat suraksha ka sabse sasta sauda hai. Bas shart ek hai: 30 November se pehle renewal. PPP income check karein, sahi slab par payment karein, transaction ID sambhal kar rakhein — aur agar koi detail official notification se alag lage to official notification zaroor dekh lein.
Important Links
| Link | Details |
|---|---|
| Official Portal | Chirayu Ayushman Haryana Portal — renewal, premium payment aur status check |
| WhatsApp Channel | Join Now — roz ki yojana updates |
| Helpline | 14555 (NHA) | 06239504471, 06239504472 (Chirayu) |
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