Rajasthan Mukhyamantri Ayushman Arogya Yojana (MAAY): Eligibility, Benefits, Coverage and How to Apply

The Mukhyamantri Ayushman Arogya Yojana (MAAY) is the most prominent health insurance initiative of the state of Rajasthan, it avails cashless treatment worth ₹25 lakh to families for a year. This program is called Mukhyamantri Chiranjeevi Swasthya Bima Yojana in the past. It makes sure that people get affordable healthcare services and protection against costly treatments.

The MAAY programme covers eligible families for hospital, surgery, critical sickness and accident insurance through accredited hospitals in Rajasthan.

About Mukhyamantri Ayushman Arogya Yojana (MAAY)

The Mukhyamantri Ayushman Arogya Yojana (MAAY) is Rajasthan’s health insurance scheme introduced by the government to take care of the problems faced in dealing with medical-related payments.

This scheme provides the,

• Cashless health insurance coverage of ₹25 lakh every year for families,
• Accident insurance coverage of ₹10 lakh,
• Coverage of more than 1,700 medical and surgical packages,
• Treatment at government and private hospitals empanelled under the scheme.

Families falling under the paid category would pay ₹850 a year and the state government would bear the balance of the insurance premium.

Main Goals of MAAY

The primary goals of the program are,

• Guaranteed universal access to quality healthcare.
• Lessen the financial burden during health emergencies.
• Stop families from incurring debt for the purpose of treatment.
• Ensure that treatment for an ailment is affordable.
• Improve access to healthcare for economically weaker and middle-income groups.
• Provide equal access to healthcare throughout Rajasthan.

Benefits of Mukhyamantri Ayushman Arogya Yojana

Health Insurance Benefits

• This scheme allows cashless treatments up to ₹25 Lakhs per family on a yearly basis.

Treatments Covered Under The Scheme

More than 1,700 medical packages come under this scheme. Some of the treatment types included are the,

• General Surgery
• Orthopaedic Treatments
• Peadiatric Care
• Gynaecological Services
• Cancer Care
• Heart Surgery
• Kidney Transplant
• Liver Transplant
• ICU
• Diagnostic Tests
• Doctor Fees
• Operation Theatre Charges
• Pre and Post-Hospitalisation Benefits

The beneficiaries of this scheme get pre-hospitalization medical expenses, which covers the medications and diagnostics during the five days before hospitalization as well as post-hospitalization medical expenses for 15 days, including medicines and medical follow-up consultations.

Family Coverage

• All the family members listed in the Jan Aadhaar card have health insurance coverage.
• There is no cap on the age.
• Every newborn child will also be covered by the scheme.

Accident Insurance Benefits

Accident insurance is also provided to households involved in this scheme.

The below information outlines the different accident insurance benefits that registered families can avail of.

Benefit	Coverage
Death due to accident	₹5 lakh
More than one family member dies in the same accident	Up to ₹10 lakh
Permanent total disability	Up to ₹3 lakh

Eligibility Criteria

The applicants must be the permanent residents of the Rajasthan.

Category 1: No charges for registration (by Government subsidy 100%)

Families entitled to free registration includes the,

• Beneficiaries of National Food Security Act (NFSA)
• Families under SECC 2011
• Small and marginal farmers
• Contract employees of state departments, boards, and corporations
• Poor families who receive state government assistance in the form of cash payments to help them survive COVID-19 pandemic

Category 2: paid registration

• Households which do not qualify for the free registration can apply for the best possible insurance plan at the minimum charge of ₹850 per family for the whole year.
• The Rajasthan government pays the rest of the premium.

Required Documents

The applicants must have to collect the following documents such as,

• Jan Aadhaar Card/Jan Aadhaar Registration Receipt
• Aadhaar Card of all family members
• Mobile number linked with Aadhaar
• Proof of residence in Rajasthan
• Land documents (for eligible farmers)
• ID for Contractual employment (if applicable)

How to Apply Online

Applicants can register on the Rajasthan SSO portal.

• Step-by-step Process
• Go to the official Rajasthan SSO Portal.
• Log-in with SSO ID or create a new account.
• Choose MAA-YOJANA service.
• Put your Jan Aadhaar Number.
• Finish Aadhaar e-KYC verification.
• Select Free/Paid option.
• Submit the application.
• Download and save the policy document.

Offline Registration via e-Mitra

Interested applicants can also get themselves registered at the nearest e-Mitra Centre.

Procedure

• Go to the nearest e-Mitra Centre.
• Provide Jan Aadhaar and Aadhaar data.
• Carry out biometric or OTP verification.
• Pay ₹850 in case of application for paid category.
• Collect the policy document after registration.

Key Benefits of MAAY

• Cashless treatment of up to ₹25 Lakh per family per year.
• Accident coverage limit of up to ₹10 lakh.
• Access to more than 1,700 medical packages.
• Your treatment can be availed from recognized Government or Private hospitals.
• Coverage for all family members of Jan Aadhaar card holder.
• No age limit.
• Post as well as pre-hospitalization expenses will be covered.
• Online application through SSO Portal.