All You Need To Know About Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)

by SMCIB on Thursday, 20 June 2024

All You Need To Know About Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)

In the face of increasing health concerns, one of the toughest hurdles for us Indians is the skyrocketing expenses of medical treatments and healthcare services. Our Indian government is fully aware of this pressing need for fair healthcare access and is actively working on solutions. They've rolled out various health insurance initiatives to enhance healthcare accessibility, and a standout among them is the Mahatma Jyotirao Phule Jan Arogya Yojana in Maharashtra.

MJPJAY strives to ensure that financial barriers don't stop families from getting vital medical care. Its comprehensive health insurance coverage is vital in making essential treatments available to those who need them most. This article is all about the significant impact of the Mahatma Jyotirao Phule Jan Arogya Yojana in Maharashtra, exploring how it provides financial security and other benefits to the region's people.

Mahatma Jyotirao Phule Jan Arogya Yojana Scheme - What Is It About?

The Mahatma Jyotirao Phule Jan Arogya Yojana is like a helping hand from the Government of Maharashtra when it comes to healthcare. This scheme ensures that you can get comprehensive medical services without worrying about cash, whether it's through government or private network hospitals. Originally called the Rajiv Gandhi Jeevandayee Arogya Yojana, it started small in eight districts on July 2, 2012, and then spread to cover 28 districts by November 21, 2013. It provides a coverage of Rs. 1.5 lakh every year for medical treatments to qualifying families.

This program is like a guardian angel for families, taking care of surgeries, therapies, and medications. MJPJAY's main mission is simple: to ensure that financial hurdles never stand in the way of essential medical care. Named after Mahatma Jyotirao Phule, a visionary in social reform and women's education in India, this scheme embodies his legacy of compassion and education for all.

Objective Of The Scheme Launch

MJPJAY aims to provide beneficiaries with cashless, high-quality medical care. It covers catastrophic illnesses that require hospitalisation for surgery and treatment. This scheme has tie-ups with a network of healthcare providers offering specialised services.

What Are The Features And Benefits Of MJPJAY?

Here are the main features of the Mahatma Jyotirao Phule Jan Arogya Yojana health insurance scheme -

  • Financial Coverage
    The scheme provides annual coverage of up to Rs. 1.5 lakh for a wide range of medical treatments.
  • Cashless Treatment 
    Treatment under this scheme doesn't require any upfront payment, ensuring a smooth and cashless process for beneficiaries.
  • Premium
    The State Government of Maharashtra takes care of the premium charges.
  • Individual And Family Coverage
    This scheme is available for both individual beneficiaries and families opting for a floater policy.
  • No Waiting Period
    Under this scheme, there is no waiting period for pre-existing ailments. This means that individuals dealing with existing health conditions can immediately avail of the benefits without any delay.
  • Medical Camps
    This scheme allows you to attend one free medical camp per year.  Consequently, you can receive essential health check-ups, screenings, and consultations at no additional cost!
  • Network Hospitals
    To access these benefits, you can check the list of network hospitals on the State Health Assurance Society’s official website. This list includes both private and government-enrolled hospitals, ensuring that beneficiaries have access to comprehensive healthcare benefits offered under the scheme.

Benefits Of MJPJAY

The Mahatma Jyotirao Phule Jan Arogya Yojana provides comprehensive treatment coverage, making its benefits incredibly valuable. These benefits include -

  • Extensive Coverage
    The Mahatma Jyotirao Phule Jan Arogya Yojana offers significant financial protection by covering around 971 surgical and therapeutic procedures. This means that beneficiaries can access a wide range of medical treatments without worrying about the financial burden.
  • Follow-up Procedures
    The Mahatma Jyotirao Phule Jan Arogya Yojana provides coverage for approximately 121 types of follow-up treatments across 30 identified categories. This means that beneficiaries have access to a diverse range of medical services beyond initial treatments.
  • Government-Reserved Procedures
    The Mahatma Jyotirao Phule Jan Arogya Yojana encompasses 132 procedures that are specifically accessible at enlisted government medical colleges and hospitals.
  • Coverage Extension For Renal Transplant
    Beneficiaries enrolled under the Mahatma Jyotirao Phule Jan Arogya Yojana can receive financial assistance of up to Rs. 2.5 lakhs specifically for renal transplant operations.

These benefits cater to a diverse range of medical needs, ranging from diagnosis and medication to surgeries, follow-up treatments, and consultations with experts.

List Of Diseases And Medical Treatments Covered Under MJPJAY

Under the MJPJAY scheme, coverage for all pre-existing diseases starts from day one. Here's a list of diseases and treatments covered under the scheme -

  • General Surgery
  • Ophthalmology Surgery
  • ENT Surgery
  • Gynecology and Obstetrics Surgery
  • Surgical Gastroenterology
  • Orthopaedic Surgery and Procedures
  • Cardiac and Cardiothoracic Surgery
  • Genitourinary System
  • Paediatric Surgery
  • Surgical Oncology
  • Neurosurgery
  • Medical Oncology
  • Plastic Surgery
  • Radiation Oncology
  • Burns
  • Prostheses
  • Polytrauma
  • Critical Care
  • Infectious Disease
  • General Medicine
  • Pediatrics Medical Management
  • Nephrology
  • Cardiology
  • Neurology
  • Dermatology
  • Pulmonology
  • Rheumatology
  • Gastroenterology
  • Endocrinology
  • Interventional Radiology

Eligibility Criteria Of MJPJAY

Families eligible for the Mahatma Jyotirao Phule Jan Arogya Yojana must live in specific districts identified by Maharashtra, which include Amaravati, Akola, Aurangabad, Buldhana, Beed, Hingoli, Jalna, Nanded, Latur, Osmanabad, Parbhani, Wardha, Washim, and Yavatmal.

The beneficiary must have one of the following -

  • White ration card
  • Orange ration card
  • Yellow ration card
  • Annapurna card
  • Antyodaya Anna Yojana (AAY) card

Farmers residing in the aforementioned districts need to provide additional documents, which include -

  • White ration card
  • 7/12 extract
  • Name of the beneficiary or family head listed
  • Certificate from the respective Talathi or Patwari

These criteria are in place to ensure that the Mahatma Jyotirao Phule Jan Arogya Yojana benefits those it's meant for, especially those in distressed agricultural areas.

What Are The Documents Required For MJPJAY?

Here's a comprehensive list of the required documents you'll need to submit to be eligible for the MJPJAY scheme.

You need to submit any of these KYC photo IDs -

  • PAN card
  • Aadhaar card
  • Senior citizen card
  • Passport
  • Driving licence
  • Voter ID
  • Handicap certificate
  • Bank passbook with photograph
  • Freedom Fighter ID card
  • Marine Fisher’s ID card
  • Defence ex-service card
  • College or school ID
  • Any proof of photo identity issued by the Maharashtra State Government or the Central Government of India. Alternatively, you can also provide a valid yellow, orange, or white ration card.

To register a child born after receiving a health card, you'll need to provide their authorised birth certificate, a photo with either parent, and the parent’s yellow, orange, or white ration card.

How Do You Register For Mahatma Jyotirao Phule Jan Arogya Yojana Online?

Here are the steps to follow for enrolling in the Mahatma Jyotirao Phule Jan Arogya Yojana online -

  1. Begin by visiting the MJPJAY's official website.
  2. Look for the "New Registration" button on the home page and click on it.
  3. This will take you to the online application form for Mahatma Jyotirao Phule Jan Arogya Yojana.
  4. Make sure to fill in all the required fields accurately.
  5. Attach the scanned copies of the necessary documents as per the instructions.
  6. Once everything is filled out, click on the "Submit" button to complete your enrollment process.

After completing all the above steps, you'll be officially registered for the Mahatma Jyotirao Phule Jan Arogya Yojana. From there, whenever you require medical treatment, you can easily raise a claim and access the benefits of this scheme.

How To File A Claim Under The Mahatma Jyotirao Phule Jan Arogya Yojana Health Scheme?

Here's how the claim process works for the MJPJAY plan -

  • First Up Is Diagnosis
    Doctors perform a diagnosis to identify and understand a patient's medical condition.
  • Treat Immediately
    Once the diagnosis is made at a network hospital, treatment kicks off right away after getting pre-authorization from the insurance company.
  • Provide your Referral Card
    If the diagnosis doesn't happen at a network hospital, an Arogyamitra will give you a referral card so you can begin treatment at an empanelled hospital.
  • Request For E-Authorization
    The network hospital will request e-authorization from the insurance company through an online process.
  • Commencement of Treatment
    Once the insurance company gives the green light, the empanelled hospital will kick off the treatment process.
  • Submission of Documents
    After you've undergone treatment and surgery, the hospital will send all the necessary documents like medical bills, test reports, and discharge summaries to the insurance company.
  • Claim Verification And Approval
    The insurance company will carefully check all your documents and then give the go-ahead for settling the claim.
  • Medical Care Post-Discharge
    The network hospital will continue to offer consultations, diagnostics, and medications for up to 10 days following your discharge from the hospital.

This organised process makes sure that beneficiaries get the medical attention they need promptly and efficiently through the MJPJAY scheme.

List Of Hospitals Under Mahatma Jyotirao Phule Jan Arogya Yojana

Here is a list of hospitals that have partnerships with Mahatma Jyotirao Phule Jan Arogya Yojana district-- wise -

Sr. No


Hospital Name



B Y L Nair Hospital



Government Medical College & Hospital Miraj



Government Medical College Bambolim Goa



Govt. Medical College Hospital Nagpur



Kasturba Hospital



Super Speciality Hospital Nashik



Tata Memorial Hospital & Research Centre



Civil Hospital Alibag






Grant Medical College and JJ Group of Hospitals

This list is not exhaustive. Please refer to the complete list here.

Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)'s Toll-Free Number And Address

Here is the MJPJAY helpline number and the address -

Toll-Free Number: 1800-233-2200 / 155 388


Mahatma Jyotirao Phule Jan Arogya Yojana,

State Health Assurance Society,

ESIS Hospital Compound,

Ganpat Jadhav Marg, Worli, Mumbai – 400018

Importance Of Health Insurance

Here are a few reasons why investing in health insurance is essential -

  • Offers Financial Security
    Health insurance protects your finances by covering costly medical treatments. Without it, you could face hefty bills and financial strain. Investing in it ensures peace of mind and financial stability amid unexpected health issues.
  • Safeguards Your Finances
    Life can throw unexpected health challenges our way, but health insurance acts like a safety anchor, protecting us when we face unforeseen medical expenses. It ensures we're financially prepared to handle emergencies without sacrificing other important aspects of life.
  • Covers Chronic Conditions
    Health insurance becomes crucial for individuals managing chronic conditions like diabetes, heart disease, cancer, etc. It's the backbone for handling ongoing medical needs such as medications, therapies, specialist consultations, etc.
  • Protects Your Health In The Face Of Changing Landscape
    Healthcare expenses are skyrocketing, surpassing general inflation rates. This is where health insurance steps in, guaranteeing access to vital medical care without financial constraints. It serves as a shield against rising medical costs, allowing you to focus on your health without compromising on other priorities.
  • Promotes Preventive Care
    Health insurance offers valuable benefits like preventive services such as vaccinations, screenings, and wellness check-ups. These encourage early detection and management of health issues, preventing them from becoming costly problems.
  • Healthcare Fund May Not Be Sufficient
    People without health insurance often rely on a healthcare fund for unexpected medical needs. However, it's important to remember that a healthcare fund isn't a replacement for health insurance; it might not cover everything. Health insurance provides extra protection to make sure you're fully covered for any unexpected medical expenses.
  • Offers A Sense Of Peace
    Health insurance provides peace of mind. With coverage, you can rest assured you're ready for any health issue without worrying about massive bills. It lets you focus on recovery without extra financial stress.
  • Offers Tax Benefits
    Health insurance is crucial for the tax benefits it brings. You are entitled to deductions under Section 80D of the Income Tax Act for premiums you paid for yourself, family members, and parents, giving your savings a lift.

Other Government Schemes

Here are some of the beneficial healthcare schemes provided by the government -

Wrapping Up!

MJPJAY by the Government of Maharashtra is a vital lifeline for families facing rising healthcare costs. It provides comprehensive health insurance coverage, ensuring essential medical treatments are accessible. Named after Mahatma Jyotirao Phule, it reflects a commitment to social welfare, offering financial security and peace of mind. The scheme's cashless treatment process, no waiting period for pre-existing ailments, and extensive coverage make it crucial for healthcare access. With a seamless registration process and a network of hospitals, MJPJAY ensures easy access to benefits, including follow-up treatments and consultations.

In conclusion, MJPJAY bridges the gap in healthcare accessibility, ensuring inclusive and equitable healthcare for all in Maharashtra.


Under the scheme, you won't need to pay any extra money to the hospital for services that are covered by the approved packages.

Hernia treatment isn't covered under the scheme. However, if it's a diaphragmatic hernia in children, it is covered.

No, the patient has to cover the cost of the ambulance charges themselves.

Yes, you can use an Annapurna or Antyodaya card instead of a ration card to finish your MJPJAY registration.

The beneficiaries can get follow-up treatments, consultations, and diagnostics at this hospital for free for up to 10 days after being discharged.

Typically, conditions like appendicitis and hernia are not covered under MJPJAY unless it's an emergency situation.

Yes, the Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) does cover the treatment of COVID-19, also known as the Novel coronavirus.

No, the beneficiary doesn't need to pay the hospital anything for healthcare services that are already included in the packages.

To find the list of network or empanelled hospitals under the Mahatma Jyotirao Phule Jan Arogya Yojana scheme, simply visit their official website.

You can reach out to MJPJAY through their toll-free helpline at 1800-233-2200 or 155 388.

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