Maharashtra govt. has launched Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) to provide health services to poor people. Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) is revamped as the Mahatma Jyotirao Phule Jan Arogya Yojana. Now the MJPJAY scheme is integrated with Ayushman Bharat – PM Jan Arogya Yojana. In this article, we will tell you about the complete details of the integrated health scheme i.e MJPJAY + AB-PMJAY in Maharashtra.
The new Integrated health scheme aims to provide cashless quality medical care to beneficiaries under the scheme for catastrophic illnesses requiring hospitalization for surgeries and therapies under identified specialty services through network of health care providers.
Expansion of Mahatma Jyotirao Phule Jan Arogya Yojana
The Mahatma Jyotirao Phule Jan Arogya Yojana, the state’s prized health scheme, is set for its biggest expansion in a decade since its launch, reports Sumitra Deb Roy. The governing body has proposed five critical changes, including increasing the cover for every family from Rs 1.5 lakh to Rs 5 lakh, expanding the number of medical procedures covered, and adding more empanelled hospitals to the scheme. Further, the proposal is exploring the possibility of turning it into a scheme universally applicable to all state citizens, irrespective of income.
Addition of 500 Empanelled Hospitals in Maharashtra Health Scheme
Health Scheme revamp may see 500 empanelled hospitals added. Five key changes have been proposed to the Mahatma Jyotirao Phule Jan Arogya Yojana, including a revision of surgery and procedure rates, unchanged since 2018. A special committee under commissioner, National Health Mission, has been formed to look into the proposed expansion plan and cost implications to the state. Maharashtra currently pays an annual premium of Rs 1,700 crore to cover 2.2 crore families.
“Maharashtra could lead the charge in rolling out universal health coverage among the major states. We await the committee's decision on the feasibility and cost” said Sanjay Khandare, principal secretary (health). The core elements of the yojana are under evaluation for the first time and they aim to implement the changes in 2-3 months. The revamp aims to align the yojana with the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PMJAY), a parallel central-state scheme that covers a different set of beneficiaries. PMJAY provides coverage of Rs 5 lakh to beneficiary families and covers 1,209 medical procedures.
The State Health Assurance Society, which governs the Phule yojana, has proposed to increase the number of medical procedures from 996 to 1,209. About 500 more empanelled hospitals will be added, bringing the total to 1,500. The limited number of empanelled hospitals and their uneven distribution across Maharashtra has been significant points of criticism. Khandare said the rates of procedures and surgeries will be a significant point of discussion and comparative studies will be done. Sources told TOI that an increase of 20% might be under consideration. In Mumbai, most significant hospitals and even mid-range facilities have not participated in the scheme over cost.
Universal health coverage would mean better social security for more citizens, said a senior official, adding it exists in J&K and most northeastern states. Interestingly, universal coverage was extended under the yojana during Covid-19, but it couldn’t benefit the expected numbers. Civil society members welcomed the expansion, but said it has to go beyond mere adding of procedures and hospitals. Abhay Shukla from Jan Swasthya Abhiyan (JSA) called for more empanelled hospitals, particularly in northern Maharashtra where people are required to travel hundreds of kilometres if they wish to avail of the scheme.
TOI has learned that up to 350 talukas have only a few empanelled hospitals, while 100 have none at all. Shukla also said although the scheme touts to be cashless, people have reported having to pay significant amounts out of their own pockets. He said government should organise a consultation with public health experts and civil society organisations, which have extensive experience of ground level functioning of the scheme, to obtain their inputs towards upgrading the scheme. State officials underlined the scheme has supported treatment of 55 lakh people in the past decade for a premium of roughly Rs 13,000 crore.
About Mahatma Jyotiba Phule Jan Arogya Yojana 2024
Mahatma Jyotiba Pule Jan Arogya Yojana (MJPJAY) is a flagship health insurance scheme of the state government of Maharashtra. The scheme envisages to provide end to end cashless services for identified diseases through a network of service providers from government and private sector. The scheme earlier was known as Rajiv Gandhi Jeevandayee Arogya Yojana which was started from 2nd July 2012 in 8 districts and then was expanded to 28 districts of Maharashtra from 21st November 2013.
About Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY) was launched by Government of India from 23rd September, 2018. AB-PMJAY was launched in the Maharashtra in integration with Mahatma Jyotiba Phule Jan Arogya Yojna and was implemented on mixed Insurance and Assurance Mode.
Maharashtra Integrated Health Scheme – MJPJAY Scheme + AB-PMJAY
The Integrated Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) was launched in the state on 1st April 2020. United India Insurance Company Limited (Public sector Undertaking Company) is providing health insurance coverage to beneficiaries under the insurance mode and State Health Assurance Society providing coverage on assurance mode. State Health Assurance Society is paying insurance premium of Rs. 797 per family per year to Insurance Company in quarterly installment on behalf of eligible beneficiary families.
Mahatma Jyotirao Phule Jan Arogya Yojana is fully funded by Government of Maharashtra. Pradhan Mantri Jan Arogya Yojana is jointly funded by Government of India and Government of Maharashtra in the ratio of 60:40.
Insurer of Mahatma Jyotiba Phule Jan Arogya Yojana
MJPJAY Scheme was run by insurer National Insurance Company a Public Sector Undertaking Company from 02.07.12 to 31.03.20. From 01.04.20 Integrated Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is run by insurer United India Insurance Company a Public Sector Undertaking Company.
List of Beneficiaries of Mahatma Jyotiba Phule Jan Arogya Yojana
Here is the complete list of beneficiaries under Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY):-
| Categories | Description of Beneficiaries |
| Category A | Families holding Yellow ration card, Antyodaya Anna Yojana ration card (AAY), Annapurna ration card, Orange ration card (annual income up to INR 1 lakh) issued by Civil Supplies Department, Government of Maharashtra for 36 districts of Maharashtra. |
| Category B | White ration card holder farmer families from 14 agriculturally distressed districts of Maharashtra (Aurangabad, Jalna, Beed, Parbhani, Hingoli, Latur, Nanded, Osmanabad, Amravati, Akola, Buldhana, Washim, Yavatmal, and Wardha). |
| Category C | 1. Children of Government Orphanages, Students of Government Ashram Shala, female inmates of Government Mahila Ashram & senior citizens of Government old age homes. 2. Journalists & their dependent family members approved by DGIPR 3. Construction workers and their families having live registration with Maharashtra Building & other Construction worker Welfare Board . |
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana Beneficiaries
The households included are based on the automatic inclusion, deprivation and occupational criteria of Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas respectively. There are 83.72 lakh families in state. This data is frozen hence additional families cannot be added. However new members in existing families can be added.
| Area | Description of Beneficiaries |
| Urban | For Urban area, 11 occupational criteria are identified as Rag pickers, Beggars, Domestic workers, Street vendors, Cobbler, hawkers, Construction workers, Plumbers, Masons, Painters, Welders, Sweepesrs Sanitation workesr, Mali, Home-based workers, Artisans, Handicrafts workers, Tailors, Transport workers, Drivers, Conductors, Helpers, Rickshaw pullers, Shop workers, Assistants, Peons, Attendants, Waiters, Electricians, Mechanics, Assemblers, Repair workers, Washer-men, Chowkidar. |
| Rural | Rural Criteria for rural area are from D1 to D7 which include families with only one room with kachha wall and kachha roof, No adult member between age 16 to 59, Female headed household s with no adult members between age 16 to 59, Disabled member and no able bodied adult member, SC/ST households, Landless households deriving major part of income from manual casual labour. Automatically Included category includes Households without shelter, Destitute-living on alms, Manual Scavenger Families, Primitive Tribal Groups and Legally released Bonded Labour. |
Mahatma Jyotiba Phule Jan Arogya Yojana Eligibility Criteria
Here is the complete eligibility criteria on the basis of which identification of beneficiaries would be carried out under MJPJAY Scheme
| Categories | Description of Beneficiaries |
| Category A | All eligible families shall be identified with valid Yellow, Orange, Antyodaya, and Annapurna ration card (irrespective of date of issue of Ration Card or the inclusion of the beneficiary’s name therein) coupled with any Photo ID proof (as finalized by the Society). |
| Category B | Eligibility for farmers from 14 agriculturally distressed districts of Maharashtra will be decided based on white ration card with 7/12 extract bearing the name of the beneficiary / head of the family or certificate from the nearest Revenue Officer stating that the beneficiary is a farmer or a family member of farmer with valid photo ID proof of the beneficiary. |
| Category C | Eligibility of beneficiaries shall be decided on the basis of any identity card / health card or any other identification mechanism as decided by the State Health Assurance Society (SHAS). |
Eligibility for Beneficiaries under Pradhan Mantri Jan Arogya Yojana
Under PMJAY members from families registered under Social, Economic and Caste Census, 2011 (SECC) are eligible for getting benefits in all empaneled hospitals by showing computerized e-cards and photo identity card. Beneficiary of PMJAY from any state having e-card and photo identity proof can avail treatment at any empaneled hospital of any other state.
Mahatma Mahatma Jyotiba Phule Jan Arogya Yojana List of Documents
Here is the list of valid Photo Id proofs to be accepted along with document of eligible criteria:-
1. Aadhaar Card / Aadhaar Registration Slip with photo of the beneficiary. Aadhaar Card would be insisted upon as identification document and in absence of Aadhaar card / number; any document which is accepted for issuance of Aadhaar card will also be accepted.
2. Pan Card
3. Voter Id
4. Driving License
5. School/College Id
6. Passport
7. Freedom Fighter ID card
8. Health Card of RGJAY / MJPJAY
9. Handicap Certificate
10. Nationalized Bank Passbook with Photo
11. Senior citizen card issued by Central Government or State Government
12. Defense ex-servicemen card issued by Sainik Board
13. Marine Fishery Identity card (Issued by Ministry of Agriculture / Fisheries Department Government of Maharashtra).
14. Any photo ID proof issued by Government of Maharashtra/ Government of India
Mahatma Jyotirao Phule Jan Arogya Yojana Amount
1. The scheme provides coverage for meeting all expenses relating to hospitalization of beneficiary up to ₹ 1,50,000/- per family per policy year. For Renal Transplant this limit has been enhanced up to ₹ 2,50,000 per family per policy year.
2. The benefit is available to each and every member of the family on floater basis i.e. the total coverage of ₹ 1.5 lakh or ₹ 2.5 lakh as the case may be, can be availed by one individual or collectively by all members of the family in the policy year.
Amount under Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
1. Ayushman Bharat PM-JAY provides a health cover of Rs. 5 lakhs per family per policy year for secondary and tertiary care hospitalization in any of empaneled hospitals across the country. The benefit is available to each and every member of the family on floater basis.
Benefit Coverage of New Form of Rajiv Gandhi Jeevandayee Arogya Yojana
This is a package medical insurance scheme to cover hospitalization for Medical and Surgical procedures through cashless treatment in respect of the following 34 identified specialties. MJPJAY beneficiary gets benefit of 996 Medical and Surgical procedures with 121 follow up procedures and PMJAY beneficiary gets benefit of 1209 Medical and Surgical procedures (Additional 213 Medical and Surgical procedures) with 183 follow up procedures. There are 131 government reserved procedures out of 996 MJPJAY procedures and additional 37 government reserved procedures for PMJAY 1209 procedures.
Mahatma Jyotiba Phule Jan Arogya Yojana Disease List – MJPJAY Disease List
| Sr.No. | Specialized Category |
| 1 | Burns |
| 2 | Cardiology |
| 3 | Cardiovascular and Thoracic surgery |
| 4 | Critical Care |
| 5 | Dermatology |
| 6 | Endocrinology |
| 7 | ENT surgery |
| 8 | General Medicine |
| 9 | General Surgery |
| 10 | Haematology |
| 11 | Infectious diseases |
| 12 | Interventional Radiology |
| 13 | Medical Gastroenterology |
| 14 | MEDICAL ONCOLOGY |
| 15 | Neonatal and Pediatric Medical Management |
| 16 | Nephrology |
| 17 | Neurology |
| 18 | Neurosurgery |
| 19 | Obstretrics and Gynecology |
| 20 | Ophthalmology |
| 21 | Orthopedics |
| 22 | Pediatric Surgery |
| 23 | Pediatric Cancer |
| 24 | Plastic Surgery |
| 25 | Polytrauma |
| 26 | Prosthesis and Orthosis |
| 27 | Pulmonology |
| 28 | Radiation Oncology |
| 29 | Rheumatology |
| 30 | Surgical Gastroenterology |
| 31 | Surgical Oncology |
| 32 | Urology (Genitourinary Surgery) |
| 33 | Mental disorders |
| 34 | Oral and Maxillofacial Surgery |
1209 packages include bed charges in General ward, Nursing and boarding charges, Surgeons and Anesthetists charges, Medical Practitioner and Consultants fees, Oxygen, O.T. & ICU Charges, Cost of Surgical Appliances, Cost of Drugs, disposables, consumables, implants, Cost of Prosthetic Devices, Cost of Blood Transfusion (Blood to be provided as per policy of State Government), X-Ray and Diagnostic Tests, food to inpatient, one time transport cost by State Transport or second class rail fare (from Hospital to residence of patient only). The package covers the entire cost of treatment of patient from date of reporting to his discharge from hospital including complications if any, making the transaction truly cashless to the patient. In instance of death, the carriage of dead body from network hospital to the village/ township would also be part of package.
For complete MJPJAY Surgery / Therapy List – Click Here
Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) Registration
Below is the complete process flow of the beneficiary treatment in the network hospital in Maharashtra:-
Step 1
- Beneficiaries shall approach nearby Empanelled Network Hospital. Arogya Mitras placed in the above hospitals shall facilitate the beneficiary.
- The Beneficiary may also attend the Health Camps being conducted by the Network Hospital in the vicinity and can get the referral letter based on the diagnosis.
Step 2
- The Arogya Mitra at the network hospitals examines valid ration cards and Photo ID and enrolls the patient along with registration.
- The information like admission notes, test done will be captured in the dedicated database by the Medical Coordinator of the Network Hospital as per the requirement of the Mahatma Jyotiba Phule Jan Arogya Yojana.
Step 3
If the procedure falls in 996 procedures for MJPJAY beneficiary and 1209 procedures for PMJAY beneficiary, e-preauthorization request is raised by Hospital by attaching mandatory documents.
Step 4
- Medical Specialists of the Insurer shall examine the preauthorization request and approve preauthorization if all the conditions are satisfied.
- If preauthorization is rejected, it is referred to technical committee consisting of CMO of TPA and CMC of SHAS as second step. If there is difference of opinion between the CMO of TPA and CMC of SHAS, the case is referred to ADHS- SHAS as third step. The decision of ADHS for approval or rejection of preauthorization is final.
- After preauthorization is approved, procedure shall be performed within 30 days by Private Hospital and within 60 days by Public Hospital. After that the preauthorization gets auto cancelled. SHAS shall have right to re-open auto-cancelled pre-authorization of Government Hospitals.
- Turn-around time for decision on preauthorization is 12 hours. In case of emergencies, the medical / surgical preauthorization approval has to be taken by MCO over telephone – Emergency Telephonic Intimation (ETI) which has a voice recording facility.
Step 5
The Network Hospital extends cashless Medical or Surgical treatment to the beneficiary. The Post-operative / daily treatment notes of the Network Hospitals will be updated daily on the portal by the medical coordinator of the Network Hospital.
Step 6
- Network Hospital after performing Medical or surgical procedure uploads diagnostics reports, Discharge Summary duly signed by the officials appointed by the Hospital, along with acknowledgement of payments of transportation cost and other documents as per operational guidelines.
- If the procedure falls in the category of follow up procedures, follow-up details will be informed to patient at the time of discharge by Hospital. It will also be the responsibility of Aarogymitra to educate the patient about follow-up procedures (if eligible) and related details.
Step 7
The Network Hospital shall provide free follow-up consultation, diagnostics, and medicines under the scheme up to 10 days from the date of discharge.
Step 8
- The Insurer scrutinizes the bills in light of the operational guidelines and mandatory investigations pays claims as per agreed package rates and grade of Hospital. The Insurance Company shall settle the claims of the hospitals online within 15 working days on receipt of complete claim document from the Network Hospital.
- The claim settlement module along with electronic clearance and payment gateway will be part of the workflow in State Health Assurance Society (SHAS) portal and will be operated by the Insurer.
- The reports will be available for scrutiny on the State Health Assurance Society (SHAS) login.
Health Camps in Maharashtra under Mahatma Jyotirao Phule Jan Arogya Yojana
Free Health Camps shall be conducted by Network hospital in Taluka Head Quarters, major Gram Panchayats and Municipalities. At least one free health camp is conducted by each network hospital per month at the place suggested by District Monitoring Committee/ District Coordinator.
Health Care Provider Hospitals under Mahatma Jyotiba Phule Jan Arogya Yojana
1. The empanelled Hospitals under the Scheme include both Government and Private hospitals. Government Hospitals include Hospitals from Public Health Department, Medical Education and research department, Hospitals under Municipal Corporation and Municipality.
2. Maximum number of Government and Private Hospitals will be 1000.
3. Government and Private Hospitals, both multi-specialty and single specialty, can be empanelled as per the requirement and directions of Coordination Empanelment and Disciplinary committee chaired by Chief Executive Officer State Health Assurance Society. For multi-specialty Private hospitals, there is criteria of minimum 30 beds with ICU (with certain relaxations), while for single-specialty specialty hospitals 10 beds and other criteria shall be applicable.
Rajiv Gandhi Jeevandayee Arogya Yojana Hospital List
The Rajiv Gandhi Jeevandayee Arogya Yojana Hospital List page will appear as shown below:-
Check Eligibility Criteria before filling MJPJAY Hospital Empanellment online application form through the link – https://www.jeevandayee.gov.in/MJPJAY/empanelment/Eligibility.jsp
References
About MJPJAY Scheme – Click Here
Official Website – https://www.jeevandayee.gov.in/