The Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) is a flagship health insurance scheme launched by the Government of Maharashtra to provide accessible, high-quality, and cashless healthcare services to the residents of the state. Initially introduced as the Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) on July 2, 2012, the scheme was renamed in honor of the revered social reformer Mahatma Jyotirao Phule on April 1, 2017. Since its inception, MJPJAY has been a cornerstone in ensuring that economically disadvantaged families and, more recently, all residents of Maharashtra have access to critical medical care without financial burdens. As of 2025, the scheme has been integrated with the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), expanding its scope to cover the entire population of Maharashtra, making it one of the most comprehensive state-led healthcare initiatives in India.
This article provides an in-depth exploration of MJPJAY in 2025, covering its eligibility criteria, benefits, registration process, and a guide to accessing the hospital network. It aims to serve as a comprehensive resource for beneficiaries seeking to understand and utilize this transformative healthcare scheme.
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Overview of MJPJAY
The MJPJAY scheme was designed to address the healthcare challenges faced by low-income families in Maharashtra, particularly those in economically and agriculturally distressed districts. Over the years, the scheme has evolved significantly. Initially launched in eight districts, it expanded to all 35 districts of Maharashtra by November 2013. The integration with AB-PMJAY in 2020 and the subsequent decision in July 2023 to extend coverage to all families in the state marked a significant milestone in achieving universal healthcare access.
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| Mahatma Jyotirao Phule Jan Arogya Yojana |
MJPJAY provides cashless medical services for secondary and tertiary treatments through a network of empanelled hospitals, both public and private. The scheme covers a wide range of medical and surgical procedures, ensuring that beneficiaries can access quality care without incurring out-of-pocket expenses. As of July 1, 2024, MJPJAY offers coverage of up to ₹1.5 lakh per family per year for 996 treatments, while the integrated AB-PMJAY component provides up to ₹5 lakh per family per year for 1,209 treatments, making it a robust safety net for healthcare needs.
MJPJAY 2025 Highlights
| Scheme | Mahatma Jyotirao Phule Jan Arogya Yojana |
|---|---|
| Eligibility | All Maharashtra residents; priority for BPL, APL, and farmers in 14 distressed districts with valid ration cards and KYC documents. |
| Coverage | Up to ₹1.5 lakh (MJPJAY) and ₹5 lakh (AB-PMJAY) per family/year; ₹2.5 lakh for renal transplants. |
| Treatments Covered | 996 procedures (MJPJAY) + 1,209 (AB-PMJAY) across 34 specialties, including pre-existing conditions and COVID-19 treatment. |
| Cashless Treatment | End-to-end cashless services at over 700 empanelled hospitals (government and private). |
| Registration | Through Arogyamitras at empanelled hospitals/health camps or online at www.jeevandayee.gov.in. |
| Hospital Network | Over 700 empanelled hospitals; list available on the official website. |
| Exclusions | Cataract surgery, simple hernia, non-emergency appendectomy, cosmetic procedures, OPD treatments. |
| Helpline | 1800-233-2200 or 155 388 for support and queries. |
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Eligibility Criteria for MJPJAY 2025
The eligibility criteria for MJPJAY have been significantly broadened to ensure inclusivity. As of 2025, the scheme is accessible to all families residing in Maharashtra, regardless of their economic status. However, specific categories of beneficiaries are prioritized based on their socio-economic conditions. Below are the key eligibility criteria:
Residency Requirement:
Applicants must be residents of Maharashtra. The scheme is designed to cater to the healthcare needs of the state’s population, with a focus on economically or agriculturally distressed districts.
Valid Identification Documents:
Beneficiaries must possess at least one of the following government-issued documents:
- Yellow Ration Card: For Below Poverty Line (BPL) families.
- Orange Ration Card: For families with an annual income of up to ₹1 lakh.
- Antyodaya Anna Yojana (AAY) Card: For the poorest of the poor.
- Annapurna Card: For families with no stable income.
- White Ration Card: For farmers in agriculturally distressed districts, accompanied by a 7/12 extract or certification from a Patwari or Talathi.
Farmers in Distressed Districts:
Farmers from 14 agriculturally distressed districts, including Amravati, Aurangabad, Akola, Buldhana, Hingoli, Beed, Jalna, Latur, Nanded, Osmanabad, Wardha, Parbhani, Yavatmal, and Washim, are eligible. Eligibility is verified through documents like the 7/12 extract or a certificate from revenue officials.
Additional KYC Documents:
To complete the registration, beneficiaries may need to provide additional identification documents, such as:
- Aadhaar Card or Aadhaar Registration Slip with a photo.
- Voter ID, PAN Card, or Nationalized Bank Passbook with a photograph.
- Driving License or School/College ID.
- Marine Fishery Identity Card issued by the Ministry of Agriculture/Fisheries Department, Government of Maharashtra.
Categories of Beneficiaries:
- Category A: Families holding Yellow, Orange, Antyodaya, or Annapurna ration cards.
- Category B: Farmers from distressed districts with valid documentation.
- Category C-E: Other eligible families as per the State Health Assurance Society (SHAS) guidelines, now extended to all Maharashtra residents under the 2024 expansion.
The inclusivity of MJPJAY ensures that vulnerable populations, including BPL and Above Poverty Line (APL) families, as well as farmers in distress, can access critical healthcare services without financial barriers.
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Benefits of MJPJAY 2025
The MJPJAY scheme offers a comprehensive set of benefits, making healthcare accessible and affordable for beneficiaries. Below are the key features and advantages of the scheme:
Cashless Treatment:
- MJPJAY provides end-to-end cashless healthcare services, meaning beneficiaries do not need to pay upfront for treatments covered under the scheme. This eliminates financial barriers to accessing quality care.
Financial Coverage:
- The scheme offers up to ₹1.5 lakh per family per year for 996 medical and surgical procedures under MJPJAY.
- For renal transplant surgeries, the coverage is enhanced to ₹2.5 lakh per family per year.
- Under the integrated AB-PMJAY component, coverage extends to ₹5 lakh per family per year for 1,209 treatments.
Family Floater Basis:
- The coverage is available on a floater basis, allowing the entire family to utilize the sum insured collectively or individually, depending on their medical needs.
Wide Range of Procedures:
MJPJAY covers 996 medical and surgical procedures and 121 follow-up packages across 34 specialized categories, including:
- General surgery
- Orthopedic surgery
- Cardiac and cardiothoracic surgery
- Gynecology and obstetrics
- Pediatric surgery
- Ophthalmology
- ENT surgery
- Radiation and plastic surgery
Specific treatments, such as maintenance hemodialysis for HIV or HCV-positive patients, are also covered.
Pre-Existing Conditions:
- Unlike many private insurance plans, MJPJAY covers pre-existing conditions from day one, ensuring immediate access to treatment for chronic illnesses.
Post-Hospitalization Care:
- The scheme includes coverage for consultations, diagnostics, and medications for up to 10 days post-discharge, supporting recovery and follow-up care.
Government-Reserved Procedures:
- Out of the 996 procedures, 132 are reserved exclusively for empanelled government hospitals or medical colleges, ensuring specialized care is accessible through public healthcare facilities.
COVID-19 Treatment:
- MJPJAY includes coverage for COVID-19 treatment, addressing critical healthcare needs during pandemics.
- Transportation Allowance:In certain cases, the scheme provides transportation allowances to beneficiaries, and in the event of a patient’s death, it covers the cost of transporting the body to the residence.
Free Medical Camps:
- Beneficiaries can attend one free medical camp annually, organized by empanelled hospitals to facilitate early diagnosis and treatment.
- The integration with AB-PMJAY has further enhanced the scheme’s benefits, providing higher coverage limits and a broader range of treatments, making MJPJAY a lifeline for millions of families in Maharashtra.
Registration Process for MJPJAY 2025
Registering for MJPJAY is a straightforward process designed to ensure accessibility for all eligible beneficiaries. Below are the steps to enroll in the scheme:
Visit an Empanelled Hospital or Health Camp:
- Beneficiaries should approach a nearby empanelled network hospital (government or private) or attend a health camp organized by the scheme.
Meet an Arogyamitra:
- An Arogyamitra (health facilitator) is stationed at every empanelled hospital to assist beneficiaries. They verify eligibility, guide applicants through the process, and issue a health referral card based on the initial diagnosis.
Submit Required Documents:
- Applicants must provide a valid ration card (Yellow, Orange, Antyodaya, or Annapurna) and additional KYC documents, such as an Aadhaar Card, Voter ID, or other government-issued photo ID.
Diagnosis and E-Authorization:
- If diagnosed at a network hospital, the Arogyamitra submits an e-pre-authorization request to the insurance provider (e.g., United India Insurance Company Limited). If the diagnosis occurs at a non-network hospital, a referral card is issued to access treatment at an empanelled facility.
Receive MJPJAY Health Card:
- Upon successful registration, beneficiaries receive an MJPJAY health card, which can be used to avail cashless treatment. The card includes details such as the names, ages, and photos of family members.
Check Approval Status:
- Applicants can track the status of their application or health card on the official MJPJAY website (www.jeevandayee.gov.in) (www.jeevandayee.gov.in) by logging in with their user ID and password.
Online Registration (Optional)
- Beneficiaries can also visit the Official Website to fill out an online application form, submit required details, and receive a registration number. However, in-person registration through Arogyamitras is more common and accessible.
- The claim process is equally seamless. Once eligibility is verified, the hospital submits an e-authorization request, and upon approval (typically within 12 hours), treatment begins without any prepayment. Post-treatment, hospitals provide diagnostic reports, discharge summaries, and payment acknowledgments to beneficiaries.
Hospital List for MJPJAY 2025
MJPJAY operates through an extensive network of over 700 empanelled hospitals across Maharashtra, including government hospitals, medical colleges, and private healthcare facilities. These hospitals are connected through a dedicated database to ensure seamless service delivery. Below is a guide to accessing the hospital list:
- Official Website:Visit the MJPJAY website (www.jeevandayee.gov.in) (www.jeevandayee.gov.in).
- Navigate to the “Network Hospital” or “List of Empanelled Hospitals” section.
- Filter the list by state, district, hospital type, specialty, or hospital name, and enter the CAPTCHA code to view the results.
Hospital Categories:
- Government Hospitals and Medical Colleges: Perform all procedures, including the 132 government-reserved procedures.
- Private Hospitals: Cover most procedures but exclude the 132 reserved procedures.
- Notable empanelled hospitals include DY Patil Hospital, which has treated over 25,000 patients for various procedures since 2013.
Contacting Arogyamitras:
- Arogyamitras at empanelled hospitals can provide detailed information about available services and guide beneficiaries to the nearest facility.
Helpline Support:
- For assistance, contact the MJPJAY toll-free helpline at 1800-233-2200 or 155 388.
- Beneficiaries can also find district-wise hospital addresses and contact details on Google Maps or through the official website, ensuring easy access to healthcare services.
Exclusions Under MJPJAY
While MJPJAY is comprehensive, certain treatments and services are not covered:
- Cataract surgery for adults.
- Simple hernia surgeries (e.g., inguinal or umbilical hernia without emergency needs).
- Simple appendectomy without complications.
- Non-emergency angiography.
- Cosmetic or aesthetic procedures.
- Outpatient (OPD) treatments not requiring hospitalization.
- Ambulance charges and transportation costs (except in specific cases).
- Treatments in special or private wards (only general ward care is covered).
Challenges
Despite its success, MJPJAY has faced challenges. A 2016 report by the Tata Institute of Social Sciences noted that 63% of beneficiaries incurred out-of-pocket expenses for diagnostics, treatments, or consumables, indicating gaps in implementation. Additionally, the scheme’s reliance on empanelled hospitals can limit access in remote areas, although efforts are underway to include smaller hospitals with fewer than 30 beds.
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| Maharashtra Government Scheme | Click Here |
| Central Government Scheme | Click Here |
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Conclusion
The Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) 2025 is a transformative initiative that embodies the vision of equitable healthcare for all. By providing cashless treatment, extensive coverage, and a robust network of empanelled hospitals, MJPJAY ensures that financial constraints do not hinder access to quality medical care. The scheme’s integration with AB-PMJAY and its expansion to cover all Maharashtra residents mark a significant step toward universal healthcare.
Eligible families, particularly those in economically or agriculturally distressed areas, can benefit from MJPJAY’s comprehensive services, including surgeries, diagnostics, and follow-up care. The registration process is user-friendly, supported by Arogyamitras and an accessible online platform. With over 700 empanelled hospitals and a dedicated helpline, MJPJAY continues to be a beacon of hope for millions, ensuring that healthcare remains a right, not a privilege.
For more information or to apply, visit www.jeevandayee.gov.in or contact the toll-free helpline at 1800-233-2200. By leveraging MJPJAY, Maharashtra residents can access life-saving treatments without financial burdens, embodying the legacy of Mahatma Jyotirao Phule’s commitment to social justice and equality.
FAQs Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) 2025
Q. What is the Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)?
The Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) is a flagship health insurance scheme by the Government of Maharashtra, launched to provide cashless medical treatment to residents of the state. Initially introduced as the Rajiv Gandhi Jeevandayee Arogya Yojana in 2012, it was renamed in 2017 to honor social reformer Mahatma Jyotirao Phule. Integrated with Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), MJPJAY offers up to ₹1.5 lakh (MJPJAY) and ₹5 lakh (AB-PMJAY) per family per year for secondary and tertiary treatments across a network of over 700 empanelled hospitals.
Q. Who is eligible for MJPJAY in 2025?
As of 2025, MJPJAY is open to all families residing in Maharashtra, with a focus on economically disadvantaged groups. Eligible categories include families with Yellow, Orange, Antyodaya, or Annapurna ration cards, and farmers from 14 agriculturally distressed districts (e.g., Amravati, Yavatmal) with valid documents like a 7/12 extract. Beneficiaries must provide identification documents such as an Aadhaar Card, Voter ID, or other government-issued IDs to enroll.
Q. What treatments are covered under MJPJAY?
MJPJAY covers 996 medical and surgical procedures across 34 specialties, including general surgery, cardiac surgery, gynecology, orthopedics, and more. It also includes 121 follow-up packages and provides up to ₹2.5 lakh for renal transplants. The integrated AB-PMJAY component covers 1,209 treatments with up to ₹5 lakh per family annually. Pre-existing conditions, COVID-19 treatment, and post-hospitalization care for 10 days are also included.
Q. How can I register for MJPJAY?
To register for MJPJAY, visit an empanelled hospital or health camp and meet an Arogyamitra, who will verify your eligibility and assist with enrollment. Submit a valid ration card and KYC documents like an Aadhaar Card or Voter ID. The Arogyamitra will issue a health referral card or MJPJAY health card upon verification. Alternatively, you can apply online at www.jeevandayee.gov.in by filling out the application form and tracking your status with the provided user ID and password.
Q. Is MJPJAY treatment completely cashless?
Yes, MJPJAY provides end-to-end cashless treatment for covered procedures at empanelled hospitals. Beneficiaries do not need to pay upfront for treatments, as the hospital submits an e-authorization request to the insurance provider, which is typically approved within 12 hours. However, treatments like diagnostics or consumables not covered under the scheme may require out-of-pocket payments.
Q. Which hospitals are empanelled under MJPJAY?
MJPJAY operates through a network of over 700 empanelled hospitals, including government hospitals, medical colleges, and private facilities across Maharashtra. To find a hospital, visit www.jeevandayee.gov.in, navigate to the “Network Hospital” section, and filter by district, specialty, or hospital type. Arogyamitras at these hospitals can also provide details about available services.
Q. What is the coverage limit under MJPJAY?
MJPJAY offers up to ₹1.5 lakh per family per year for 996 procedures, with an enhanced limit of ₹2.5 lakh for renal transplants. Through its integration with AB-PMJAY, it provides up to ₹5 lakh per family annually for 1,209 treatments. The coverage operates on a family floater basis, allowing the entire family to utilize the sum insured collectively or individually.
Q. Are pre-existing conditions covered under MJPJAY?
Yes, MJPJAY covers pre-existing conditions from the first day of enrollment, unlike many private insurance plans. This ensures that beneficiaries with chronic illnesses, such as diabetes or heart disease, can access immediate treatment without waiting periods, making the scheme highly inclusive.
Q. What is not covered under MJPJAY?
MJPJAY excludes certain treatments, such as cataract surgery for adults, simple hernia surgeries, non-emergency appendectomies, cosmetic procedures, and outpatient (OPD) treatments. Ambulance charges and private ward treatments are also not covered, except in specific cases where transportation allowances are provided.
Q. How can I contact MJPJAY for assistance?
For support, contact the MJPJAY toll-free helpline at 1800-233-2200 or 155 388. You can also visit www.jeevandayee.gov.in for information on hospitals, eligibility, and application status. Arogyamitras at empanelled hospitals are available to assist with registration, claims, and queries.These FAQs address the most critical aspects of MJPJAY, helping beneficiaries understand the scheme’s scope, enrollment process, and benefits. For further details, visit the official website or contact the helpline.