Mahatma Jyotiba Phule Jan Arogya Yojana: Details & List

Quick Overview

The Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) is the flagship health insurance scheme of the Government of Maharashtra. Its official government name is Mahatma Jyotirao Phule Jan Arogya Yojana. The scheme provides cashless, comprehensive medical treatment for all state residents, protecting families from catastrophic healthcare expenses. Launched in 2012 as the Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) and renamed in 2017, MJPJAY was integrated with Ayushman Bharat–PMJAY on July 1, 2024.

Medical costs remain one of the biggest financial burdens for Indian families, with out-of-pocket spending by individuals accounting for 39% of total health expenditure. The situation is similar in Maharashtra, where even a single hospitalization can push individuals into financial trouble. This is where the Mahatma Jyotiba Phule Jan Arogya Yojana steps in.

In this guide, we break down the MJPJAY scheme, its features, and exclusions, so that you can make informed decisions.

Key Features of Mahatma Jyotiba Phule Jan Arogya Yojana

Provided cashless hospitalization coverage of up to ₹1.5 lakh per family per year at empaneled hospitals (old scheme).
Covers ₹5 lakh per family per year on a family floater basis (post integration with Ayushman-PMJAY).
Covers 2,399 procedures across 38 specialties, including cancer treatment, cardiac surgeries, renal care, neurosurgery, burns, and more.
Offers 262 follow-up procedure packages for post-hospital care and 119 procedures reserved exclusively for government hospitals.
Covers pre-existing diseases (PEDs) from day 1 and allows portability of Ayushman Bharat-PMJAY benefits across India.
Provides access to free medical camps organized by empaneled hospitals.

Did You Know?

Residents of Maharashtra covered under Ayushman Bharat PM-JAY and MJPJAY can now access financial assistance for high-cost transplants and advanced cardiac procedures. Following a government resolution issued on October 14, 2025, eligible patients can receive coverage of up to ₹15 lakh for heart transplants, ₹20 lakh for lung transplants, ₹20 lakh for combined heart-lung transplants, ₹22 lakh for liver transplants, ₹17 lakh for bone marrow transplants, and ₹20 lakh for TAVI/TAVR procedures. This is a major step toward improving access to treatment for patients with rare and expensive medical conditions.

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Inclusions and Exclusions of Mahatma Jyotiba Phule Jan Arogya Yojana

Inclusions	Exclusions
Cashless hospitalization at empaneled hospitals	Treatments not mentioned on the MJPJAY package list
Surgeries, therapies, and cancer treatment across approved specialties and packages	Cosmetic or experimental procedures
Renal transplant, cardiac, neurological, orthopedic, pediatric, and burns treatment	Expenses above the approved package rate if the patient opts for non-standard care
Bed charges, drugs, consumables, implants, diagnostics, intensive care unit (ICU) or operation theatre (OT) charges, and food during hospitalization	Ambulance charges or traditional treatments like homeopathy or Ayurveda
One-time transport home after discharge and transport of the body in case of death	Room upgrades beyond general ward entitlement

Remember: Only government-approved/empaneled hospitals are eligible for coverage, which is subject to certain treatment protocols. If a patient undergoes multiple procedures during the same visit, the first procedure is paid in full, and any additional procedures are paid at half the rate.

Mahatma Jyotiba Phule Jan Arogya Yojana Eligibility and Application Process

Eligibility Criteria

Category A: Families with Annapurna Yojana, Antyodaya Anna Yojana (AAY), yellow, and orange ration cards.
Category B: White ration card holders, such as government and semi-government employees. Families without a ration card may also be eligible if they have a Maharashtra domicile certificate.
Category C: Students in government and recognized ashram schools, children in recognized orphanages, and women in government-supported ashrams are eligible. This category also applies to senior citizens in recognized old-age homes and to journalists and their dependents.
Category D: Road traffic accident victims, regardless of their place of origin, can receive treatment in Maharashtra hospitals.
Category E: Families with specified ration cards from the Maharashtra-Karnataka border districts (Karwar, Belgaum, Kalburgi, Bidar).

How to Apply for MJPJAY

Visit an Empaneled Hospital

Go to a nearby district, general, women’s, or network hospital empaneled under MJPJAY. Alternatively, attend a health camp organized by these hospitals.

Connect with an Aarogyamitra

Meet the Aarogyamitra (scheme facilitator) at the hospital or camp. These representatives assist you throughout the application process for MJPJAY and verify your eligibility.

Submit Required Documents

Provide a valid ration card and a government-issued photo ID (Aadhaar, voter ID, or marine fishery identity card). If you were diagnosed at a non-empaneled hospital, submit the referral card from a government health facility.

Get Diagnosed and Verified

The hospital will conduct a diagnosis once your documents are verified. You will be admitted to an empaneled hospital if you need treatment. You will also get a health card upon enrollment.

e-Authorization Request

The hospital will send an e-authorization request to the insurer or State Health Assurance Society (SHAS). The approval is generally given within 12 hours or immediately in emergency cases.

Receive Cashless Treatment

You will receive treatment without any upfront payment after approval. The hospital handles all claim-related documentation with the insurer during this time.

Access Post-hospitalization Care

After discharge, you can access free follow-up consultations, diagnostic tests, and medications for up to 10 days at the same empaneled hospital as a part of the disease package. Specified follow-up packages begin on the 11th day and can continue for up to one year for eligible procedures.

Note: If you want to apply for the scheme online, visit the official MJPJAY website (www.jeevandayee.gov.in) to check for online registration options or to track application status. If you face any issues, contact Aarogyamitra or call the toll-free helplines at 155388 or 18002332200. Emergency support is also available at 9702135277 or 7208076239.

Documents Required To Apply For MJPJAY

Category	Required Documents
A	Ayushman card or ration card (yellow, AAY, or orange) accompanied by an ID proof
B	Ayushman card or white ration card; domicile certificate or Tahsildar certificate, along with a self-declaration and valid ID proof (if you don’t have a ration card)
C	Ayushman card accompanied by an ID proof
D	A geo-tagged photograph of the patient (for road accident victims from outside Maharashtra or India); Aadhaar card, PAN card, voter ID, or passport; a copy of the hospital’s letter to the police
E	AAY or Annapurna ration card, or a priority household ration card issued by the Government of Karnataka; self-declaration in the specified format, along with proof of identity

MJPJAY vs Private Insurance: Is It Enough on Its Own?

MJPJAY is an important step toward wider health coverage in Maharashtra. However, the scheme is not a complete substitute for private insurance, especially for those who prefer premium private-room care, faster services, or more flexibility. If you can afford it, supplementing MJPJAY with a retail health insurance plan makes more sense to cover gaps or premium services.

The scheme also struggles with timely private hospital enrollment and chronic payment delays. This often leaves hospitals financially strained and limits patient access to care.

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Ditto’s Take on Mahatma Jyotiba Phule Jan Arogya Yojana

Access to quality healthcare services is a fundamental human right. With schemes such as the MJPJAY, the Maharashtra government is taking conscious steps to ensure medical facilities reach every member of society.

However, if you want comprehensive coverage with better features and add-ons, it's worth considering the best health insurance plans in India for yourself and your family.

Disclaimer: Ditto has no affiliation with this scheme. Our assessment here is completely independent and based solely on publicly available data and the evaluation framework for insurers. For the latest scheme details, refer to the official MJPJAY website.

Frequently Asked Questions

How to make claims under the MJPJAY scheme?

Making claims under the MJPJAY scheme is a cashless process facilitated through empaneled hospitals. Patients must present their MJPJAY card at the hospital desk or to Arogyamitra, who handles pre-authorization and submits treatment claims to the insurance company.

Who handles MJPJAY claims?

From July 2024, the MJPJAY scheme runs in assurance mode, and the State Health Assurance Society pays hospitals directly up to a specific limit.

Are there any limits on the number of family members who can use the MJPJAY coverage?

Mahatma Jyotiba Phule Jan Arogya Yojana benefits all eligible family members. There is no limit on the number of members who can use the scheme. Newborn children can also be included in the beneficiary family after providing the necessary documents.

Are there any costs involved in getting the MJPJAY card?

There are no costs or fees involved in getting the Mahatma Jyotiba Phule Jan Arogya Yojana card. The scheme is fully government-funded and free of charge for eligible beneficiaries.

Where can I find the list of network hospitals under MJPJAY?

To find the Mahatma Jyotiba Phule Jan Arogya Yojana hospital list, visit the official MJPJAY website. Navigate to the 'Network Hospitals' section, select the first option from the dropdown menu, and the list will appear on your screen.

Last updated on: 29 Mar, 2026