MJPJAY: Mahatma Jyotiba Phule Jan Arogya Yojana, Features, Benefits

The Maharashtra State Government first launched the Rajiv Gandhi Jeevandayee Arogya Yojana on July 2012. It was named again as Mahatma Jyotirao Phule Jan Arogya Yojana from April 01, 2017. MJPJAY was introduced to provide cashless healthcare services to the beneficiaries for serious illnesses requiring hospitalization as identified under the scheme.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
6.7 crore
Registered consumers
Insurance partners
3.4 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform


Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      MJPJAY also covers the beneficiaries for COVID-19 treatment. The maximum health insurance coverage offered is Rs 1,50,000  for the beneficiary family.

      The Integrated Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) and Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) was launched in the state on April 01, 2020.

      Highlights of MJPJAY

      Name of the Yojana

      Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

      Introduced by

      Maharashtra Health Ministry

      Objective of the Scheme

      Providing healthcare services to the needy


      Maharashtra Citizens

      Official Website


      Eligibility Criteria for Mahatma Jyotiba Phule Jan Arogya Yojana

      The eligibility criterion for MJPJAY is given below:

      • The scheme offers health cover to the families who are a part of any of the destitute districts of Maharashtra
      • The beneficiary should have an Annapurna Card, white/yellow/orange Ration Card, and Antyodaya Anna Yojana Card (AAY)
      • Farmers belonging to the agriculturally distressed districts are also covered

      Features of Mahatma Jyotiba Phule Jan Arogya Yojana

      The salient features of Mahatma Jyotiba Phule Jan Arogya Yojana are as follows:

      • Sum insured of Rs. 1.5 lakh per annum for a family
      • The scheme covers the cost of the medications, surgeries, treatment, diagnostics, and  consultations
      • The health insurance coverage under the scheme is provided on a family floater and individual basis
      • The State Government bears the cost of the health insurance premium and treatment charges
      • The best part is that claim is permissible for pre-existing illnesses from Day 1
      • In this scheme access is also provided to healthcare camps that are conducted at the government hospitals
      • The beneficiaries can avail of medical treatment under government and private empanelled hospitals

      What is covered under Mahatma Jyotiba Phule Jan Arogya Yojana?

      MJPJAY offers health insurance coverage to the insured for the following medical expenses:

      • The scheme covers 971 medical surgeries/therapies/procedures and 121 follow-up packages
      • It includes General surgery, ENT surgery, Obstetrics surgery, Gynecology, Cardiac and Cardiothoracic surgery, Orthopedic surgery, Plastic surgery, Pediatric surgery, Ophthalmology surgery, Radiation surgery, etc.
      • Renal transplant operation up to a maximum limit of Rs 2.5 lakh
      • Post-hospitalization expenses for medical consultations/medicines are covered for 10 days after getting discharged from the hospital

      How to Enroll under the MJPJAY?

      Mahatma Jyotiba Phule Jan Arogya Yojana enrollment process is given below:

      • The beneficiary needs to meet the Aarogyamitra at the nearest general/district/women/network hospital to initiate the application.
      • A health referral card will be given that can be shown to the network hospital for the treatment recommended.
      • Along with this card orange/yellow card or Annapurna Card needs to be furnished in case a ration card is not available.
      • The treatment will follow and hospital admission will begin post verification.
      • An e-authorization request will be sent by the insurance company and will be reviewed by MJPJAY.
      • Cashless treatment will start once the authorization is done and the request is approved.
      • The hospital will share the original bills, documents with the insurer for claim settlement. Once the documents are reviewed and the claim is approved the payment will be made to the hospital.
      • Post-10-days of getting discharged you can avail of diagnostic services, free consultations, at the network hospital

      How can You Apply for MJPJAY Card?

      When applying for the MJPJAY card, you can visit the nearby government health facility and take the help of the Aarogyamitra who is the representative of this scheme, and he/she will help you in getting you the MJPJAY health card.

      Documents Required for Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

      In addition to the ration card, the following KYC documents would be required for the beneficiary’s verification:

      • PAN card/ Voter ID/Aadhaar card/Nationalized bank passbook with photograph
      • Driving license/ School/college ID
      • Passport
      • Handicap certificate
      • Tehsildar’s  stamps on the applicant’s photograph
      • Any photo ID proof issued by the Government of India/Government of Maharashtra
      • Senior citizen card issued by the Central/State Government of India
      • Freedom fighter ID card

      Note that if the photo of a newborn child is not available, then parents can submit their photo with the child with the birth certificate and the ration card.

      How to File a Claim for MJPJAY?

      The process is simple and is given below:

      1. A medical condition is diagnosed in an empanelled hospital and the insurance company sends a pre-authorization from to begin your treatment  
      2. If the disease was diagnosed at a non-empanelled hospital, then the Aarogyamitra at the hospital will provide you a referral card to start the treatment at the network hospital
      3. Once the hospital receive the approval from the insurer, the hospital will start the treatment
      4. On completion of the surgery/treatment, the hospital will provide all the required documents to the insurer. These include medical reports, bills, diagnostic reports, discharge summary, etc.
      5. The claim will be approved and you can avail post-hospitalization services till 10 days


      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      23 Jul 2024

      Is Dengue Covered by Niva Bupa Health Insurance?

      Dengue fever is becoming increasingly common in India, especially

      Read more
      23 Jul 2024

      Is Dengue Covered by HDFC ERGO Health Insurance?

      Dengue is a big menace in India. According to the National Centre

      Read more
      23 Jul 2024

      Is Dengue Covered by Aditya Birla Health...

      The rising number of dengue cases in India is a significant health

      Read more
      17 Jul 2024

      Does Care Health Insurance Cover Dengue...

      Every year, we look forward to the monsoon to escape the heat, but

      Read more
      16 Jul 2024

      Does ICICI Lombard Health Insurance Cover Dengue...

      As the monsoon season arrives, the risk of vector-borne diseases

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      How Senior Citizens can save Tax with Medical...

      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      Does Health Insurance Provide Coverage for LASIK...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      Download the Policybazaar app
      to manage all your insurance needs.