MJPJAY MAHATMA JYOTIBA PHULE JAN AROGYA YOJANA INSURANCE

What is the Mahatma Jyotiba Phule Jan Arogya Yojana?

Mahatma Jyotiba Phule Jan Arogya Yojana is a health insurance scheme launched by Maharashtra  government to provide cashless quality medical care for people living below poverty lines. MJPJAY scheme is valid only for legal residents of Maharashtra.  This scheme provides health insurance cover up to 1.5 lakh per family per policy.

Scheme was launched on 2nd July 2012 with the name “Rajiv Gandhi Jeevandayee Arogya Yojana” which was changed to “Mahatma Jyotiba Phule Jan Arogya Yojana”. MJPJAY was started in 8 districts of Maharashtra which later expanded to 28 districts from 21st Nov 2013.

 

MJPJAY Features and Benefits

• MJPJAY provides coverage up to 1,50,000/- per family per policy year for meeting all beneficiaries' hospitalization expenses.
• Renal transplant coverage is enhanced up to 2,50,000/- per family per policy year.
• Every member of the family can benefit on floater basis, allowing coverage of 1,50,000/- or 2.50,000/- to a single person or to all family members collectively.
• MJPJAY allows hospitalization for 996 types of medical and surgical procedures and 121 types of follow-up procedures. 
• This scheme covers cashless medical treatments concerning 34 specialities

 

What is the MJPJAY Yojana Card?

The MJPJAY Yojana card is an identification card issued to eligible beneficiaries of the Mahatma Jyotirao Phule Jan Arogya Yojana. This card serves as proof of eligibility and allows cardholders to avail themselves of the various health benefits covered under the scheme.

 

What is MJPJAY Cashless Treatment Coverage?

Network Hospitals

MJPJAY Beneficiaries can receive cashless treatment at empanelled public and private hospitals across Maharashtra. This means that patients do not need to pay out-of-pocket for covered services at the point of care.

Pre-Approved Packages

The scheme offers predefined medical packages that cover the entire cost of treatment, including hospitalization, surgery, medications, and post-operative care.
 

Benefits of the Mahatma Jyotiba Phule Jan Arogya Yojana Card

• The card enables beneficiaries to receive cashless treatment at empanelled hospitals, eliminating the need for upfront payments for covered medical services.
• Cardholders can access a broad spectrum of medical and surgical procedures, including critical care, oncology, cardiology, and more.
• The card simplifies the verification process at hospitals, ensuring quick and hassle-free access to medical care.
• Beneficiaries can receive treatment at a large network of public and private hospitals that are part of the MJPJAY scheme.
• The card covers all hospitalization expenses, including diagnostics, medications, surgeries, and follow-up treatments.

 

Eligibility Criteria for MJPJAY

For the application of MJPJAY applicant must be resident of Maharashtra and should satisfy any of the following criteria.

• Families holding Yellow/Orange Ration Card/Antodaya Anna Yojana Ration Card/Annapurna Ration Card
• Families Holding White Ration Card from 14 agriculturally distressed districts of Maharashtra.
• Children of Government Orphanages/Students of Government Ashram Shala/Female Inmates of Government Mahila Ashram/Senior Citizens of Government Old Age Homes.
• Journalists & their dependent family members approved by DGIPR
• Workers and their families have live registration with the Maharashtra Building & Other Construction Worker Welfare Board.

 

Mahatma Jyotiba Phule Jan Arogya Yojana Urban and Rural Beneficiaries

In Urban Areas

Rag pickers, beggars, domestic workers, street vendors, cobblers, hawkers, construction workers, plumbers, masons, painters, welders, sanitation workers, gardeners, home-based workers, artisans, tailors, transport workers, drivers, conductors, helpers, rickshaw pullers, shop workers, assistants, peons, attendants, waiters, electricians, mechanics, assemblers, repair workers, washermen, and security guards.

In Rural Areas

Criteria include families with only one room with a thatched wall and roof, no adult members aged 16-59, female-headed households with no adult members aged 16-59, households with disabled members and no able-bodied adults, SC/ST households, and landless households relying on manual labor.

Automatically include categories: Households without shelter, destitute living on alms, manual scavenger families, primitive tribal groups, and legally released bonded labor.

 

List of Diseases Covered Under MJPJAY

The Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) covers 1,212 types of medical treatments that fall under 34 different categories, ensuring comprehensive healthcare for eligible beneficiaries. MJPJAY includes the following 34 categories.

 

Burns Cardiology Cardiovascular and Thoracic Surgery Critical Care Dermatology Endocrinology ENT Surgery General Medicine General Surgery Haematology Infectious Diseases Interventional Radiology

Medical Gastroenterology Medical Oncology Neonatal and Pediatric Medical Management Nephrology Neurology Neurosurgery Obstetrics and Gynecology Ophthalmology Orthopedics Pediatric Surgery Pediatric Cancer Plastic Surgery

Polytrauma Prosthesis and Orthosis Pulmonology Radiation Oncology Rheumatology Surgical Gastroenterology Surgical Oncology Urology (Genitourinary Surgery) Mental Disorders Oral and Maxillofacial Surgery

 

List of Documents Required for MJPJAY Application

Along with documents required for category identification, you may ask to submit following documents to get registered as beneficiary for MJPJAY health insurance.

1. 1. Aadhaar Card or Aadhaar Registration Slip with a photo of the beneficiary.
2. 2. Pan Card
3. 3. Voter ID
4. 4. Driving License
5. 5. School/College Id
6. 6. Passport
7. 7. Freedom Fighter ID card
8. 8. Health Card of RGJAY / MJPJAY
9. 9. Handicap Certificate
10. 10. Nationalized Bank Passbook with Photo
11. 11. Senior citizen card issued by the Central Government or State Government
12. 12. Defense ex-servicemen card issued by Sainik Board
13. 13. Marine Fishery Identity card (Issued by Ministry of Agriculture / Fisheries Department Government of Maharashtra).
14. 14. Any photo ID proof issued by the Government of Maharashtra/ Government of India

 

How to apply for Mahatma Jyotiba Phule Jan Arogya Yojana?

You can visit the government health facility centers near you and get assistance from  aarogyamitra after applying for the MJPJAY registration form. Aarogyamitra will guide you through the process of getting the MJPJAY health card.

Apart from eligibility verification documents you may need to present following documents

• PAN card/Voter ID/Aadhaar card/Nationalized bank passbook with a photograph
• Driving license/School/college ID
• Passport
• Handicap certificate
• Tehsildar's stamp on the applicant's photograph
• Get photo ID proof issued by the Indian government
• Senior citizen card
• Freedom Fighter ID card

After submission of necessary documents and following the guidance of the Aarogyamitra, you can complete the MJPJAY application process and get the MJPJAY card.

 

Final Thoughts

The Mahatma Jyotirao Phule Jan Arogya Yojana is a vital initiative by the Government of Maharashtra to provide essential healthcare services to the state's economically weaker sections. By offering comprehensive coverage for critical care, cashless treatment, and a wide range of medical specialties, MJPJAY ensures that low-income families have access to necessary medical interventions without financial hardship, providing cashless treatment across 34 specialized categories. 

Beneficiaries under MJPJAY and PMJAY schemes receive coverage for numerous medical and surgical procedures, ensuring complete care from admission to discharge, including follow-up procedures and transportation costs. In the event of death, the scheme also covers the transport of the body to the deceased's residence.

 

FAQs on Mahatma Jyotiba Phule Jan Arogya Yojana

What is the Toll Free Number and Address of Mahatma Jyotiba Phule Jan Arogya Yojana?

For assistance you can contact on toll free number 1800-222-322 or can visit on address Mahatma Jyotiba Phule Jan Arogya Yojana, Department of Health and Family Welfare Government of Maharashtra Mantralaya, Mumbai - 400032, Maharashtra, India. For additional inquiries or assistance, you can also visit the official MJPJAY website

 

What is the coverage amount provided under MJPJAY for major surgeries?

MJPJAY offers coverage up to 1.5 Lakh on floater basis and coverage can be enhanced up to 2.5 Lakhs depending on the type of disease and treatment. 

 

Can MJPJAY be used for treatment outside of Maharashtra?

No, the MJPJAY is government health insurance scheme exclusively for residents of Maharashtra and can only be availed at empaneled hospitals within the state. 

 

Can I claim benefits under MJPJAY if I have other health insurance?

Yes, you can avail benefits of MJPJAY even if you have other health insurance ensuring your and your family health with additional support.

 

Are follow-up treatments covered under the MJPJAY scheme?

Yes, follow-up treatments are covered under the Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) scheme, but the coverage is limited to specific conditions.