Government of Maharashtra has launched Mahatma Jyotirao Phule Jan Arogya Yojana, or MJPJAY in 2017 to provide free cashless treatment to state residents. The scheme provides free and cashless treatment facilities to all eligible state residents , so families can focus on getting better instead of stressing about hospital bills.
What is Mahatma Jyotirao Phule Jan Arogya Yojana?
Mahatma Jyotirao Phule Jan Arogya Yojana or MJPJAY was first launched on July 2, 2012, and was known as Rajiv Gandhi Jeevandayee Arogya Yojana. In 2017, it was renamed to honor the great social reformer, Mahatma Jyotiba Phule. The main goal of this scheme is to offer quality healthcare to poor and at-risk families across all 36 districts of Maharashtra.
The scheme offers cashless treatment for a very large number of medical conditions and surgeries at a network of government and private hospitals. It acts as a safety net, helping families get critical medical care without paying from their own pocket. From July 2024, Mahatma Jyotirao Phule Jan Arogya Yojana has been expanded to cover all families in Maharashtra, making healthcare accessible to everyone in the state.
Who is Eligible for MJPJAY?
The MJPJAY scheme is started for various groups of people in Maharashtra to make sure everyone can get medical support. To check if your family can get these benefits, you need to fall into one of the following categories:
- Category A: This includes families that have a Yellow Ration Card, an Orange Ration Card, or an Antyodaya Anna Yojana (AAY) and Annapurna Ration Card.
- Category B: This group covers families with a White Ration Card and even those who do not have a ration card but have a domicile certificate of Maharashtra. This means government employees are also included.
- Category C: This is for special groups such as children living in government orphanages, students in Government Ashram Shalas, women in Government Mahila Ashrams, and senior citizens staying in government old age homes. Journalists and construction workers registered with the state board are also part of this category.
- Category D: This category is for people from outside Maharashtra or India who have a road accident within the state.
- Category E: This includes families from 865 villages in the Maharashtra-Karnataka border areas of Belgaon, Karwar, Kalburgi, and Bidar who hold specific ration cards.
| Feature | Details |
| Scheme Name | Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) |
| Launched By | Government of Maharashtra |
| Main Benefit | Cashless healthcare up to ₹5 lakh per family per year |
| Beneficiaries | All families residing in Maharashtra |
| Coverage | Over 1356 medical procedures and 262 follow-up packages |
| Official Website | www.jeevandayee.gov.in |
| Toll-Free Helpline | 155388 or 18002332200 |
Benefits Covered Under MJPJAY
Mahatma Jyotirao Phule Jan Arogya Yojana offers many benefits to protect families from high treatment costs. It provides complete financial security during medical emergencies. Here is what the scheme covers:
- Hospitalization Costs: The scheme pays for bed charges in the general ward, nursing fees, and the fees of surgeons, doctors, and consultants.
- Medical Expenses: It covers the cost of oxygen, operation theatre and ICU facilities, medicines, implants, blood transfusions, and other required items during treatment.
- Diagnostics and Tests: All costs related to diagnostic tests like X-rays and other lab tests during hospitalization are covered.
- Post-Hospitalization Support: After being discharged from the hospital, patients get free consultations and medicines for up to 10 days to support a smooth recovery.
- Transportation Costs: The scheme also provides a one-time payment for travel from the hospital back to the patient’s home by State Transport bus or second-class rail.
How to Apply for Mahatma Jyotirao Phule Jan Arogya Yojana Scheme
The application process for MJPJAY is very simple so that people can easily get its benefits. You can apply by visiting a network hospital in person.
STEP 1: Go to a nearby government or private hospital that is part of the MJPJAY network. You can also visit one of the health camps organized by these hospitals.
STEP 2: Find and meet the ‘Aarogyamitra’ at the hospital. They are special representatives who will guide you through the entire process, from checking your documents to getting you admitted.
STEP 3: Provide your required documents, such as a ration card and a valid photo ID like an Aadhaar card. The Aarogyamitra will check these documents to confirm you are eligible.
STEP 4: Medical diagnosis, the hospital will check your health condition, and if treatment is needed, they will start the admission process.
STEP 5: Hospital sends an online request for approval to the insurance company. This approval usually comes within a few hours. In emergencies, it is given immediately.
STEP 6: Once the request is approved, your treatment will begin without you having to pay any money. All the bills and paperwork will be managed by the hospital.
Documents Needed for MJPJAY Application
To have a smooth application process, make sure you carry the correct documents with you. Here is a list of what you will need:
- Ration Card: Yellow, Orange, White, Antyodaya, or Annapurna card.
- Photo ID Proof: You need a valid government-issued photo ID. This can be your Aadhaar Card, PAN Card, Voter ID, Driving License, or Passport.
- Other Documents: For farmers from certain districts, a 7/12 land extract is needed. Other identity proofs like a bank passbook with a photo or a senior citizen card are also accepted.
MJPJAY Hospitals and Packages List
MJPJAY works with a large network of over 2,200 hospitals across Maharashtra, which includes both government and private facilities. This gives you the flexibility to choose a hospital that is convenient for you. The scheme covers 1356 medical procedures across 34 different specialties, including major surgeries for the heart, brain, and cancer.
You can find the complete list of network hospitals and the detailed list of medical packages covered under the scheme on the official MJPJAY website. To see these lists, you can visit www.jeevandayee.gov.in.
Hospitals List PDF: https://sarkariyojana.com/wp-content/uploads/2025/08/mjpjay-hospitals-list.pdf
List of Packages and Treatment Cost
Download the latest MJPJAY packages and treatment cost list PDF: https://www.jeevandayee.gov.in/MJPJAY/RGJAYDocuments/1356%20-%20Package%20Master.pdf
What is Not Covered by MJPJAY?
Although the scheme is very wide, there are a few things that are not covered. Certain simple procedures like hernia or appendectomy are reserved only for government hospitals. Also, the scheme does not pay for cosmetic surgeries, experimental treatments, or ambulance charges. It is always a good idea to check the full list of exclusions on the official website.
MJPJAY and Ayushman Bharat Integration
Since April 2020, MJPJAY has been combined with the central government’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). This integration is a big step, as it has increased the health coverage amount to ₹5 lakh per family per year. This combined scheme now serves more families and covers more treatments, making healthcare even more accessible for everyone in Maharashtra.
FAQs
What is the MJPJAY health card?
The Mahatma Jyotirao Phule Jan Arogya Yojana health card is a card issued to beneficiaries upon enrollment. It contains your details and is used at network hospitals to get cashless treatment easily.
How can I check my MJPJAY application status online?
You may be able to check your application status on the official MJPJAY website. If you face any trouble, it is best to contact the Aarogyamitra at the hospital where you applied or call the toll-free helpline number.
Does the MJPJAY scheme cover treatment for COVID-19?
Yes, the MJPJAY scheme was updated to include treatment for COVID-19, providing very important support to families during the pandemic.
Who pays the premium for this scheme?
The premium for the MJPJAY scheme is fully paid by the Government of Maharashtra. Beneficiaries do not have to pay any money to be a part of this scheme.