Mahatma Jyotirao Phule Jan Arogya Yojana or MJPJAY is Maharashtra’s flagship government health insurance scheme aimed at easing the burden of rising medical expenses. It ensures access to quality healthcare by offering cashless treatment for serious illnesses across empanelled hospitals.
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With healthcare costs often being a major concern for families, the scheme acts as a financial safety net during medical emergencies. From 1 July 2024, the scheme has been expanded to cover nearly 2.72 crore families (around 12.5 crore people), offering health coverage of up to ₹5 lakh per family per year. This page will cover what MJPJAY is, its benefits, objectives, how to apply for this scheme and how you can make a claim under this scheme.
MJPJAY is a government-funded, assurance-based health insurance scheme implemented by the State Health Assurance Society (SHAS), Government of Maharashtra. It was originally launched in July 2012 as the Rajiv Gandhi Jeevandayee Arogya Yojana and was later renamed in 2017.
The scheme provides cashless secondary and tertiary healthcare services through a vast network of empanelled government and private hospitals across Maharashtra and India. It is implemented in integration with Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) and offers coverage for 1,356+ medical and surgical packages across 34 specialities. (Source)
Launched as Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY)
Renamed as Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)
Integrated with Ayushman Bharat – PMJAY for eligible beneficiaries
Expanded to cover almost all families in Maharashtra, making the scheme nearly universal in coverage
Mahatma Jyotirao Phule Jan Arogya Yojana aims to ensure that no citizen of Maharashtra is denied quality healthcare due to financial constraints. The scheme focuses on providing accessible, affordable, and cashless medical treatment to eligible families across the state. The key objectives of MJPJAY include:
To provide cashless secondary and tertiary healthcare through empanelled public and private hospitals
To reduce the financial burden of high-cost medical treatments on families
To ensure universal health coverage by including almost all households in Maharashtra
To offer health insurance coverage up to ₹5 lakh per family per year
To improve access to quality healthcare, especially for economically vulnerable sections
To support paperless and transparent healthcare delivery through a digital platform
To strengthen the public healthcare system through an assurance-based model
The key features of MJPJAY health insurance include:
Provides universal health coverage through cashless empanelled hospitals to residents of Maharashtra, ensuring access to quality healthcare without financial stress.
Covers medical expenses up to ₹5 lakh per family per year on a floater basis, which can be utilised by one or more family members.
Includes 1,356+ treatment packages across 34 medical specialities, covering surgeries, therapies, and hospitalisation-related care.
Pre-existing diseases are covered from day one, with no waiting period.
Benefits under Ayushman Bharat–PMJAY are portable across India, allowing treatment outside the state when required.
The entire scheme operates on a paperless and digital platform, ensuring transparency and faster processing.
A dedicated 24×7 helpline and grievance redressal system is available to assist beneficiaries.
Arogya Mitras are deployed at every empanelled hospital to guide patients through admission, treatment, and claim processes.
Emergency treatment can be availed through telephonic or email-based intimation, ensuring timely medical care.
MJPJAY is designed to offer strong financial protection to families by covering high-cost medical treatments through a government-funded, assurance-based healthcare system, ensuring affordability and continuity of care.
The scheme provides annual health coverage of up to ₹5 lakh per family, applicable across approved treatment packages.
Coverage is offered on a family floater basis, allowing multiple members to utilise the total amount.
Road accident victims are separately covered with benefits of up to ₹1 lakh per person per year.
The scheme is funded and managed by the State Health Assurance Society, ensuring direct settlement of hospital claims.
Beneficiaries are not required to pay any premium or upfront treatment cost.
Treatment expenses are reimbursed directly to hospitals under an assurance-based model, not insurance.
Covers expenses related to hospitalisation, surgeries, diagnostics, medicines, implants, ICU care, and follow-up treatment.
Includes transportation assistance and emergency care provisions, ensuring uninterrupted treatment access.
Spread across more than 1,356 health benefit plans and over 262 follow-up plans under these 34 special categories, MJPJAY provides healthcare schemes for the residents of Maharashtra:
General Medicine
General Surgery
Cardiology
Cardiothoracic & Vascular Surgery
Neurology
Neurosurgery
Orthopaedics
Trauma Care
Burns Management
Plastic & Reconstructive Surgery
Urology
Nephrology
Gastroenterology
Surgical Gastroenterology
Oncology (Cancer Care)
Medical Oncology
Radiation Oncology
Paediatric Surgery
Neonatology
Obstetrics & Gynaecology (non-maternity procedures)
ENT (Ear, Nose & Throat)
Ophthalmology
Pulmonology
Critical Care Medicine
Endocrinology
Rheumatology
Haematology
Infectious Diseases
Interventional Radiology
Dental Surgery (hospital-based procedures)
Vascular Surgery
Laparoscopic Surgery
Day Care Procedures
These packages include expenses related to hospitalisation, surgery, ICU care, diagnostics, medicines, implants, and post-treatment follow-up, making the scheme comprehensive and patient-friendly. (Source)
The Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) covers a wide range of beneficiaries across Maharashtra to ensure universal access to healthcare. Eligibility is determined based on ration card type, socio-economic status, occupation, and special categories notified by the government. Beneficiaries must belong to one of the approved categories and provide valid identification at the time of treatment.
| Category | Eligible Beneficiaries |
|---|---|
| Category A | Families holding Yellow Ration Card, Antyodaya Anna Yojana (AAY) card, Annapurna Yojana card, or Orange Ration Card. |
| Category B | White Ration Card holders (including Government / Semi-Government employees), and families without ration cards but possessing a Maharashtra Domicile Certificate. |
| Category C | Students of Government and Government-recognised Ashram Schools; children in Government-recognised orphanages; women in Government-recognised women’s shelters; senior citizens in old-age homes; journalists and their dependent family members; and registered construction workers and their families. |
| Category D | Road accident victims (including those from outside Maharashtra or India) who meet with accidents within Maharashtra. |
| Category E | Families holding AAY, PHH, or Annapurna ration cards from notified border villages of the Maharashtra–Karnataka region. |
(Source)
When a beneficiary seeks treatment, they visit a network hospital that is recognised under MJPJAY. At the hospital, a trained facilitator called an Arogyamitra assists patients throughout the process from verifying eligibility and documentation to helping with admissions and claim procedures. The Arogyamitra desk plays a critical role in checking beneficiary details, initiating pre-authorisation requests, and guiding patients through paperwork and procedural steps so that treatment can begin without financial stress.
Go to the Network Hospitals section on the scheme portal’s Hospitals menu. jeevandayee.gov.in
Select criteria like District, Speciality, or Hospital Name to narrow down empanelled facilities.
On the MJPJAY portal, you can often download the empanelled hospitals PDF for your district or the entire state
The website provides options to view hospitals by district or by medical speciality, helping you locate the nearest appropriate facility.
Since the integrated scheme overlaps with PMJAY, you can also use the national PMJAY hospital finder at hospitals.pmjay.gov.in by selecting State: Maharashtra.
Mahatma Jyotirao Phule Jan Arogya Yojana does not require a separate online application or premium payment. Eligible beneficiaries can directly avail benefits through the scheme by verifying their eligibility at empanelled hospitals.
Ensure you fall under any of the eligible categories (A, B, C, D, or E) based on ration card type, domicile status, or special beneficiary category.
Go to any government or private hospital under MJPJAY for treatment.
At the hospital, the Arogyamitra (helpdesk officer) verifies:
Ration card / Ayushman card
Aadhaar or valid ID proof
Category-specific documents (if applicable)
Once documents are verified, the hospital submits a pre-authorisation request through the MJPJAY portal for approval.
After approval, the beneficiary receives cashless treatment as per the approved package without paying any amount upfront.
Treatment details are recorded digitally, and follow-up care (if applicable) is covered as per scheme guidelines.
For verification under the Mahatma Jyotirao Phule Jan Arogya Yojana, beneficiaries must submit any one of the following valid photo identity documents along with the applicable eligibility document:
Aadhaar Card or Aadhaar Enrolment Slip with photograph (Aadhaar is preferred; if unavailable, documents accepted for Aadhaar enrolment are also valid)
PAN Card
Voter ID Card
Driving Licence
School or College Identity Card
Passport
Freedom Fighter Identity Card
Health Card issued under RGJAY / MJPJAY
Handicap (Disability) Certificate
Nationalised Bank Passbook with Photograph
Senior Citizen Card issued by Central or State Government
Defence Ex-Servicemen Identity Card issued by the Sainik Board
Marine Fishery Identity Card issued by the Department of Fisheries, Government of Maharashtra
Any other Photo ID issued by the Government of Maharashtra or Government of India
Mahatma Jyotirao Phule Jan Arogya Yojana operates on an assurance-based model, meaning beneficiaries do not have to pay hospital bills or claim reimbursements later. Instead, the government directly settles treatment costs with empanelled hospitals through the State Health Assurance Society (SHAS).
When a beneficiary visits an empanelled hospital, eligibility is first verified at the Arogyamitra desk.
After verification, the hospital raises a pre-authorisation request through the MJPJAY online portal, mentioning the diagnosis, treatment plan, and estimated cost.
The request is reviewed by the scheme’s medical authority and, once approved, treatment can begin immediately.
In emergency cases, treatment can start first, followed by post-authorisation as per scheme guidelines.
Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) is implemented in integration with the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY) to provide wider health coverage to eligible families in Maharashtra. This integration ensures seamless access to cashless treatment under a single framework, without requiring beneficiaries to apply separately for both schemes.
PMJAY provides coverage of up to ₹5 lakh per family per year, and MJPJAY supplements this by extending coverage to additional beneficiary categories identified by the Maharashtra Government.
Eligible families are covered under one combined framework, avoiding duplication or multiple registrations.
Beneficiaries do not need to apply separately for PMJAY and MJPJAY — eligibility is verified automatically through the integrated system.
The combined scheme ensures access to a larger network of hospitals and treatment packages across India.
While PMJAY offers nationwide portability, MJPJAY strengthens coverage within Maharashtra by including more families and treatment categories.
Beneficiaries of the Mahatma Jyotirao Phule Jan Arogya Yojana can access support and information through multiple official channels for assistance related to eligibility, hospitals, treatment, and grievances.
Toll-Free Helpline: 155388
Alternate Helpline: 1800-233-2200 (Available for queries related to eligibility, hospital network, treatment process, and complaints)
Emergency Contact: 9702135277 / 7208076239
Every empanelled hospital has an Arogyamitra Help Desk
Arogyamitra assists with Eligibility verification, Document checking, Pre-authorisation process, and Guidance during hospitalisation
Complaints can be raised through - Helpline numbers, Hospital Arogyamitra, and Official MJPJAY portal
Issues are monitored by the State Health Assurance Society (SHAS).
Sources:
MJPJAY stands for Mahatma Jyotirao Phule Jan Arogya Yojana, a government-funded health assurance scheme of Maharashtra.
The scheme was launched on 2 July 2012 as Rajiv Gandhi Jeevandayee Arogya Yojana and was later renamed MJPJAY in 2017.
The scheme is implemented by the State Health Assurance Society under the Public Health Department, Government of Maharashtra.
MJPJAY provides health coverage of up to ₹5 lakh per family per year for eligible categories. Road accident victims are covered up to ₹1 lakh per person per year.
Renal transplant procedures are covered under the approved treatment packages, subject to medical approval and within the overall coverage limit of the scheme.
The scheme covers more than 1,356 medical and surgical procedures across 34 specialties.
The scheme covers treatments related to cardiac diseases, cancer, neurology, orthopaedics, kidney and liver diseases, general and laparoscopic surgeries, trauma care, ICU treatment, paediatric care, burns, and other major medical conditions requiring hospitalisation.
OPD-only treatments, cosmetic or aesthetic procedures, fertility treatments, non-approved transplants, and non-medical expenses not related to hospitalisation are not covered.
Category A includes yellow, AAY, Annapurna and orange ration card holders. Category B includes white ration card holders and families with domicile certificates. Category C includes orphans, ashram school students, senior citizens in old-age homes, journalists, and construction workers. Category D includes road accident victims, including those from outside Maharashtra. Category E includes border-area families holding AAY or PHH ration cards.
Yes, treatment is completely cashless at empanelled hospitals, and beneficiaries do not need to pay any amount upfront.
There is no separate application process. Eligible beneficiaries can visit an empanelled hospital, get their documents verified at the Arogyamitra desk, and receive treatment after approval.
Documents include Aadhaar card or valid photo ID, ration card or Ayushman card, domicile certificate if applicable, and category-specific documents.
Beneficiaries do not need to file claims. Hospitals directly submit claims to the State Health Assurance Society after treatment.
The list of empanelled hospitals is available on the official website http://www.jeevandayee.gov.in under the Network Hospitals section.
The toll-free helpline numbers are 155388 and 1800-233-2200. The official website is http://www.jeevandayee.gov.in.
The run-off period refers to the time during which beneficiaries can continue receiving treatment or claim benefits for approved procedures even after the scheme period or phase has ended, as per government guidelines.
