Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)
ActiveLaunched by
Government Of Maharashtra
Launched Date
Launched On July 2, 2012
Available in
Scheme Description
The Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) is a comprehensive health insurance initiative launched by the Government of Maharashtra. Initially introduced as the Rajiv Gandhi Jeevandayee Arogya Yojana in 2012, it was expanded and rebranded in 2013 to cover more districts. The scheme aims to provide accessible and affordable healthcare services to economically disadvantaged families across Maharashtra. In 2018, it was integrated with the Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) to offer a wider coverage to more families.
Under MJPJAY, families are provided with an annual health coverage of ₹5 lakh per family, covering both secondary and tertiary healthcare needs. The scheme includes hospitalization expenses, surgeries, and specialized treatments under 34 medical specialties. It also ensures cashless treatment at empaneled public and private hospitals.
The scheme has been expanded to cover all citizens of Maharashtra by 2024, benefiting over 2.72 crore families. The coverage includes pre-existing conditions, ensuring that beneficiaries are not excluded due to their health status. Key features of the scheme include a paperless process, a dedicated call center for grievance redressal, and a fully integrated system for seamless claims processing. The scheme aims to improve health outcomes by providing quality medical care without financial barriers.
Benefits
- •Provides cashless secondary and tertiary healthcare services.
- •Health coverage of ₹5 lakh per family per year on a family floater basis.
- •Covers treatments under 34 medical specialties.
- •All pre-existing conditions are covered from day one.
- •Includes hospitalization expenses, surgeries, and treatments requiring hospitalization.
- •Cashless treatment at government and private empaneled hospitals.
- •Provides medical coverage for families under various categories including AAY, PHH, and others.
- •Coverage includes follow-up treatments and emergency medical services.
- •Dedicated call center for queries and grievance redressal.
- •Fully paperless process for easy claims and treatments.
Eligibility
- •Category A: Families holding Yellow, AAY, Annapurna, and Orange Ration Cards.
- •Category B: White ration card holders, government/semi-government employees, families with domicile certificates from Maharashtra.
- •Category C: Students in government schools, children in orphanages, senior citizens in old age homes, construction workers, and journalists.
- •Category D: Road traffic accident victims (both domestic and foreign) in Maharashtra.
- •Category E: Families from certain villages at the Maharashtra-Karnataka border holding specific ration cards (AAY, PHH, Annapurna).
Documents Needed
- •For Category A: Ayushman card or relevant ration card (Yellow, AAY, Annapurna, Orange) and valid ID proof.
- •For Category B: Ayushman card or white ration card, domicile certificate/self-declaration for non-ration card holders, and valid ID proof.
- •For Category C: Ayushman card or valid ID issued by the respective organization and ID proof.
- •For Category D: Aadhar card, voter ID, or passport, along with the road accident report and geo-tagged photo.
- •For Category E: Ration card (AAY, Annapurna, PHH) from Maharashtra-Karnataka border and valid ID proof.
Application Process
- •Visit an empaneled government or private hospital for registration.
- •Fill out the application form for the scheme.
- •Provide valid documents for verification.
- •Beneficiaries can avail of cashless treatment at any network hospital.
- •For emergency cases, treatment can be availed immediately and formalities completed later.