Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY): Maharashtra's Cashless Health Insurance Scheme

The Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) is a premium health insurance initiative started by the Maharashtra government for providing cashless medical treatment to poor families. It was launched in the year 2012 (previously known as the Rajiv Gandhi Jeevandayee Arogya Yojana) to ensure that financial problems do not prevent citizens from getting good healthcare.

As per MJPJAY, the beneficiaries can avail of cashless hospitalization in listed government hospitals and private hospitals with health insurance amounting to ₹1.5 lakh per family annually, which is increased to ₹2.5 lakh for organ transplant processes. The families covered under both Ayushman Bharat PM-JAY and MJPJAY scheme can avail of combined health insurance of ₹5 lakh per family annually.

Key Features of Mahatma Jyotirao Phule Jan Arogya Yojana

Name of the Scheme: Mahatma Jyotirao Phule Jan Arogya Yojana
Year of Launch: 2012
Previous Title: Rajiv Gandhi Jeevandayee Arogya Yojana
State: Maharashtra
Implementing Authority: State Health Assurance Society
Feature: No-cost hospitalization
Health Coverage: ₨1.5 lakh/year/family
Organ Transplantation Coverage: ₨2.5 lakh/year/family
Total Coverage with PM-JAY: ₨5 lakh/year/family
Mode of Application: Manual via Network Hospitals

What is the Mahatma Jyotirao Phule Jan Arogya Yojana?

The Mahatma Jyotirao Phule Jan Arogya Yojana is a health insurance program supported by the state, aiming to offer free and cashless health care services to the eligible citizens of Maharashtra.

The scheme allows the beneficiaries to get treatment in empanelled government and private hospitals and covers 996 medical procedures and surgeries.

Objectives of MJPJAY

The main goals of the program includes the,

Providing cost-effective health care to low-income families.
Decreasing the amount of health care costs payable.
Providing cashless hospitalization in the best hospitals.
Allowing timely access to high-quality health care by the patients.

The Benefits of Mahatma Jyotirao Phule Jan Arogya Yojana Scheme

The eligible beneficiaries enjoy a number of healthcare benefits through the scheme.

Cashless Health Insurance

Covers hospitalization expense up to Rs. 1.5 lakh per family per year.
Covers organ transplant expenses up to Rs 2.5 lakh per family per year.
Covers combined insurance amount of Rs. 5 lakh for families eligible under both MJPJAY and Ayushman Bharat PM-JAY.

Covers Hospital Expenses

The scheme covers the following expenses,

Charges of general ward bed
Nursing and boarding charges
Consultation of doctor
Charges of surgeon and anaesthetist
Charges of ICU and operation theatre
Charges of oxygen
Charges of medicines
Charges of surgical implants
Charges of blood transfusion
Charges of lab investigations
Charges of X-ray and diagnostic tests
Food for patients during hospitalization
Transportation charges

Healthcare Treatments Covered

The scheme offers healthcare treatment services covering 34 specialties, which include,

General Surgery
Otorhinolaryngology
Ophthalmology
Obstetrics & Gynecology
Orthopaedics
Cardiology
Cardiothoracic Surgery
Neurosurgery
Plastic Surgery
Surgical Oncology
Medical Oncology
Radiation Oncology
Nephrology
Neurology
Gastroenterology
Pulmonology
Endocrinology
Rheumatology
Dermatology
Pediatrics
Intensive Care
Burns
Trauma Care
Infectious Diseases
Interventional Radiology

In total, the scheme includes the,

996 types of surgeries, therapy, and procedures
121 packages for follow-up treatment.

Eligibility Requirements

Candidates have to meet the following conditions.

State

The person has to be a permanent resident of Maharashtra.

Eligible Ration Card Holders

The families holding the,

Yellow Ration Card
Antyodaya Anna Yojana Card
Annapurna Card
Orange Ration Card (eligible income group)

Other Eligible Categories

The scheme is applicable to,

Farmers having White Ration Cards in 14 districts.
Children of Government orphanages.
Students of Government Ashram Schools.
Women living in Government Mahila Ashrams.
Senior citizens living in Government old-age homes.
Journalists and their families.
Registered construction workers and their families.

Required Documents

The below-mentioned documents may be required from the applicants,

Aadhaar Card
PAN Card
Ration Card
Voter ID
Passport
Driving License
Bank Passbook
MJPJAY Health Card (if any)
Disability Certificate (if applicable)
Senior Citizen Card
Ex-Servicemen Card
Marine Fisheries Identity Card
Freedom Fighter Identity Card.

How to Apply for Mahatma Jyotirao Phule Jan Arogya Yojana

The Mahatma Jyotirao Phule Jan Arogya Yojana application method is conducted offline.

Steps to apply for the Mahatma Jyotirao Phule Jan Arogya Yojana

Step 1

Go to one of the listed,

Government Hospital
District Hospital
Women’s Hospital
Network Hospital

Step 2

Approach the Arogya Mitra, who helps the applicants.

Step 3

Make sure all the necessary documents have been submitted.

Step 4

Confirm that hospital authorities have checked the application.

Step 5

After the verification process is complete, the payment card is issued.

Step 6

The eligible person can now take advantage of cashless treatment at an empanelled hospital.

Key Features of MJPJAY

The noteworthy characteristics consist of the,

Free treatment insurance in listed hospitals.
All existing health conditions in this scheme are covered from the initial stage itself.
Admission in the 34 medical specialties.
Number of surgeries and procedures covered under this scheme is 996.
There are 121 follow-up packs available.
The scheme refers to the need to inform about hospitalization and any such emergency.
MJPJAY is applicable for private hospitals too along with the Government hospitals.