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MJPJAY: Mahatma Jyotiba Phule Jan Arogya Yojana, Features, Benefits and Eligibility, etc.

From time to time, the central and state governments launch schemes and initiatives with the aim to provide good quality and free healthcare to the ones who cannot afford it. The Mahatma Jyotiba Phule Jan Arogya Yojana is a similar scheme introduced by the Maharashtra Government. Launched in the month of July 2012, it was initially called Rajiv Gandhi Jeevandayee Arogya Yojana and covered 8 districts. From November 2015, the scheme was made functional in 35 districts. 

Under the scheme, the underprivileged sections are given medical care without any charge. Let us dig deep and find out what this scheme is, who can avail the benefits and all its other details.

Mahatma Jyotiba Phule Jan Arogya Yojana

A flagship of the Maharashtra Government, the Mahatma Jyotiba Phule Jan Arogya Yojana, it is also known as MJPJAY. The plan provides end-to-end medical services for identified diseases that can be taken at both private and government health care centers. Under the scheme, consultation and surgeries are covered.

Important features and details of Mahatma Jyotiba Phule Jan Arogya Yojana

  • The premium and coverage of the scheme are decided by the state government.
  • This health insurance scheme covers the financial coverage of the amount of INR 1,50,000 per year per family.
  • The beneficiaries start to receive the benefits of Mahatma Phule Yojana from day one of the issuances of the scheme. All pre-existing ailments/ diseases are covered under this scheme.
  • Health camps are organized at the state government empanelled healthcare centers/ hospitals. The beneficiaries are eligible to attend one medical camp every year free of cost.
  • The benefits of this policy can be enjoyed by one individual beneficiary. Alternatively, the procedure of the floater policy makes the entire family of the beneficiary get the benefits of the MJPJAY scheme.
  • This health insurance scheme covers medical consultations, surgeries, diagnostics, and medications.
  • Cashless treatment is provided to the beneficiaries in government-empanelled healthcare centers/hospitals and some private hospitals. 

Coverage Benefits of the Mahatma Jyotiba Phule Jan Arogya Yojana

The Mahatma Jyotiba Phule Yojana includes several benefits for the families of the BPL (Below Poverty Line) and APL (Above Poverty Line). This is the most significant step that has been taken by the government of Maharashtra for the welfare of the people with the detailed benefits as follows:

  • The state government of Maharashtra offers financial coverage to 971 kinds of surgeries, therapies, or procedures under this health insurance scheme.
  • This scheme covers 30 specialized categories, i.e. burns, cardiology, ENT surgery, general surgery, mental disorders, plastic surgery, neurosurgery, etc.
  • It covers 121 follow-up treatments. 
  • The beneficiaries can benefit from the MJPY scheme if they get their treatment done in the enlisted government medical colleges and hospitals. There are 132 government-reserved processes.
  • The financial aid of INR 2.5 lakhs is given to the patients who need an operation for renal treatment. 
  • When the patient gets discharged from the hospital, his/her medications and consultation charges will be covered for the next ten days. 

List of diseases & treatments that are covered under the MJP JAY scheme

Look at the list that is given below to identify the diseases and treatments that are covered under the MJP JAY scheme:

  • ENT Surgery
  • Ophthalmology surgery
  • General surgery
  • Orthopedic surgery
  • Surgical gastroenterology
  • Pediatric surgery
  • Obstetrics surgery
  • Genitourinary surgery
  • Cardiac and/ or Cardiothoracic surgery
  • Medical oncology
  • Neurosurgery
  • Surgical oncology
  • Plastic surgery
  • Burns
  • Radiation oncology
  • Critical care
  • Polytrauma
  • Prostheses
  • Pediatric medical treatment
  • General medicine
  • Infectious disease
  • Neurology
  • Nephrology
  • Cardiology
  • Rheumatology
  • Dermatology
  • Pulmonology
  • Endocrinology
  • Gastroenterology
  • Interventional radiology

Eligibility Criteria for Mahatma Jyotiba Phule Jan Arogya Yojana:

The applicants who want to apply for the Mahatma Jyotibha Phule Jan Aarogya Yojana should meet the following eligibility criteria: 

  • The annual income of the applicants should be less than INR 1 lakh.
  • Valid orange, yellow, Annapurna and Antyodaya ration cards should be with the eligible families to apply for the health insurance scheme.
  • Eligible farmers should belong to the 14 districts of Maharashtra that are agriculturally disturbed.
  • The eligible applicants should have an ID card/health card issued by the SHAS State Health Assurance Society. 

List of Documents Required for MJPJAY:

Given below is a list of all mandatory documents that the eligible applicant needs to submit while applying for the Mahatma Jyotibha Phule Jan Arogya Yojana (MJPJAY):

  • Aadhaar Card
  • Voter ID Card
  • PAN Card
  • School/ College ID Card
  • Driving License
  • Handicapped Certificate
  • Passport
  • Nationalized Bank Passbook with attached photo
  • Health card
  • Valid Senior Citizen Card
  • Sainik Board issued Defense Ex-servicemen Card 
  • Marine Fishery Identity Card
  • Freedom Fighter ID Card
  • Photo ID (Maharashtra Government or the Central Government of India)


The beneficiaries of the MJPJAY scheme are provided with the MJPJAY card so that they can receive the medical benefits of the scheme. Under MJP JAY, the backward class families are provided with cashless treatment for hospitalization, consultation, diagnostic reports, and medications once they present the MJPJAY card in the hospital. The beneficiary ID number is given on this card so that they can make pre-authorization requests to avail themselves of the cashless treatment in the network hospitals. 

How can I apply online for Mahatma Jyotiba Phule Jan Arogya Yojana?

  • Step 1: Firstly, visit the official website of MJP JAY.
  • Step 2: On the website’s main page, go to ‘New Registration’.
  • Step 3: You will get the online application form for the Mahatma Jyotibha Phule Aarogya Jan Yojana.
  • Step 4: You are required to fill out the mandatory information in the application form. Be careful while doing it.
  • Step 5: Attach the scanned copies of the mandatory documents along with the application form.
  • Step 6: Submit the application form.

If you want to register for the Mahatma Jyotiba Phule Jan Aarogya JanYojana health scheme offline, you should follow the following steps:

  • Step 1: You should visit the nearby network/general hospital. Then, you should meet with Aarogyamitra to claim financial aid.
  • Step 2: You will be given a referral code if you visit a Government Health Facility that can be shown in the network hospital.
  • Step 3: If you attend health camps that are organized by the hospital, you will be given a referral code.
  • Step 4: Now, you must show the yellow card/ orange card/ Annapurna card/ Antyodaya card.
  • Step 5: The check-ups and diagnosis will be initiated before admitting you to the network hospital for treatment.
  • Step 6: A digital authorization request is sent to the insurer company and MJPJAY.
  • Step 7: This request will be approved by the insurer and MJPJAY within 24 hours. But in case of any emergency, the request will be approved immediately. Thereafter, you will be able to get cashless treatment.

How do I claim Mahatma Jyotiba Phule Jan Arogya Yojana?

If you want to apply for the claim of the Mahatma Jyotibha Phule Jan Aarogya Yojana, you should follow the following steps:

  • Step 1: You must visit the nearest network hospital to diagnose your health condition.
  • Step 2: A digital authorization request will be sent to the insurance company for approval. Approval is immediate if the patient needs emergency treatment.
  • Step 3: In the state government Empanelled hospitals, cashless treatment is given to the patients if they have the referral code issued by Aarogyamitra.
  • Step 4: After completing treatment and surgery, all the requisite details, i.e. medical bills, reports, a summary of discharge, etc., will be sent to the insurance company to clear the claim. 
  • Step 5: The documents will be verified, and the insurance company will settle the claim. 

List of hospitals under the MJP JAY scheme

The following network hospitals are associated with the MJPJAY scheme:

  • Kasturba hospital for infectious diseases
  • St. Georges Hospital
  • Lifeline Medicare Hospitals Pvt. Ltd.
  • Indravati Hospital and Research Center
  • District Hospital, Pune
  • Yashodhara Superspeciality Hospital
  • Chhatrapati Shivaji Maharaj Hospital (Rajiv Gandhi Medical College)
  • Care Multispeciality Hospital
  • Chintamani Hospital 
  • Sushrut Hospital and Research Center 
  • Diamond Hospital
  • Sanjeevan Multispeciality Hospital and Research Institute
  • Govt Medical College Hospital, Nagpur
  • Lata Mangeshkar Hospital
  • Christ Hospital 

Maharashtra Government-sponsored health scheme MJP JAY, Mahatma Jayotirao Phule Jan Aarogya Yojana, is a great relief for the vulnerable sections of society as it promotes the equal distribution of opportunities among all. Those who can not bear heavy medical expenses should not be disappointed as they can also take cashless surgical treatment without any trouble. This scheme has changed the lives of many by giving them a healthy and happy life. Hence, if you have still not registered under the MJPJAY scheme, then register yourself today and get a huge advantage of cashless treatment in the network hospitals that are associated with the MJPJAY scheme.


This article is issued in the general public interest and is for educational purposes only. The blogs should not be used as a substitute for competent expert advice from a licensed professional to best suit your needs. Insurance is a subject matter of solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure before concluding sale.


Mahatma Jyotibha Phule Jan Yojana is funded by the state government of Maharashtra.

The Central Government of India does not contribute anything to its funding.

The financial coverage of up to INR 1.5 lakhs per family per policy year is given to the beneficiaries for medical expenses related to the hospitalization.

The financial coverage of up to INR 2,50,000 per family per policy year is given to the beneficiaries for renal treatment.

Both government and private hospitals fall under this scheme category of empanelled hospitals.

One health camp is organized by the network hospitals each month.

Yes, you can use the Antyodaya Anna card to enroll in the MJP JAY scheme.

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