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.
MJPJAY and Ayushman Bharat PM-JAY
Beneficiary who get benefits from both will be extended a better coverage.
- MJPJAY Only covers Treatment upto ₹1.5 to ₹2.5 lakh
- Ayushman Bharat PM-JAY covers Up to ₹5 lakh for the entire family each year
Such enhanced coverage will make healthcare facilities available to the families.