Mahatma Jyotiba Phule Jan Arogya Yojana 2025:- Throughout the years, the Indian Government has created various programs to improve the living conditions of the impoverished. One of them is the Mahatma Jyotiba Phule Jan Arogya Scheme (MJPJAY). It is one of the numerous initiatives designed to provide affordable healthcare to the economically disadvantaged populations. Uncertain whether this plan can help you? Here is a comprehensive discussion regarding the “what, how, and for whom” of this governmental program.
Continue reading for a complete grasp! The Mahatma Jyotiba Phule Jan Arogya Yojana is a health insurance program initiated by the Maharashtra State Government. It was first launched as the Rajiv Gandhi Jeevandayee Arogya Yojana. The program seeks to deliver quality and affordable medical services to those living under or just above the poverty threshold. This medical plan additionally includes surgical operations and associated consultation and hospitalization costs.
Mahatma Jyotiba Phule Jan Arogya Yojana Overview Table
| Feature | Details |
| Scheme Name | Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) |
| Launched By | Government of Maharashtra |
| Launch Date | 2 July 2012 (as RGJAY); Renamed to MJPJAY from 1 April 2017 |
| Objective | To provide cashless, quality healthcare for serious illnesses to economically weaker sections |
| Coverage Amount | Up to ₹1.5 lakh per family per year (₹2.5 lakh for renal transplant); floater basis |
| Annual Coverage (with AB-PMJAY) | Up to ₹5 lakh per family per year under integrated Ayushman Bharat scheme (from July 2024) |
| Diseases/Treatments Covered | Over 970 surgeries, therapies, and procedures in 30+ specialties; 121 follow-up packages |
| Hospital Network | Empaneled public and private hospitals across Maharashtra |
| Premium/Cost to Beneficiary | Entirely free; no premium or registration fee |
| Pre-existing Diseases | Covered from day one |
| Cashless Facility | Yes, for all covered treatments |
| Registration/Application | Automatic for eligible ration card holders and categories; treatment at empaneled hospitals |
What is Mahatma Jyotirao Phule Jan Arogya Yojana?
Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) is a flagship health insurance scheme of the Government of Maharashtra. This Mahatma Jyotirao Phule Jan Arogya Yojana 2025 provides end-to-end cashless services for identified diseases through a network of government and private sector service providers.
This pm jan arogya yojana was earlier known as Rajiv Gandhi Jeevandayee Arogya Yojana, which was launched on July 2, 2012 in eight districts and then expanded to 28 districts of Maharashtra from November 21, 2013.
Maharashtra Integrated Health Scheme under MJPJAY Scheme AND AB-PMJAY
The integrated Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) was launched in the state on April 1, 2020. United India Insurance Company Limited (Public Sector Undertaking Company) is providing health insurance coverage to the beneficiaries under insurance mode and State Health Assurance Society is providing coverage on assurance mode. State Health Insurance Society is paying the insurance premium of Rs. 797/- per family per year to the insurance company in quarterly installment on behalf of eligible beneficiary families.
Mahatma Jyotirao Phule Jan Arogya Yojana is fully funded by the Government of Maharashtra. Pradhan Mantri Jan Arogya Yojana is jointly funded by the Government of India and the Government of Maharashtra in the ratio of 60:40.
Mahatma Jyotiba Phule Jan Arogya Yojana Eligibilty
- The eligibility criteria for the Mahatma Jyotiba Phule Jan Arogya Yojana stipulate that individuals must fulfill the following conditions to be considered beneficiaries:
- Individual applicants should have a yearly income below Rs.1 lakh.
- Must possess White/Orange/Yellow Ration Card, Annapurna Card, or Antyodaya Anna Yojana Card (AAY).
- Families that are registering must be from the specified distressed districts in Maharashtra.
- Farmers from agriculturally challenged areas in Maharashtra can also register for this insurance policy.
- Farmers in economically challenged districts are recognized through their 7/12 extract, White Ration Card, and the beneficiary or family head’s name, along with a certificate issued by the appropriate Patwari or Talathi.
Mahatma Jyotiba Phule Jan Arogya Yojana Features
Attributes of the Mahatma Phule Yojana The Mahatma Jyotiba Mahatma Phule Yojana provides financial support of up to Rs.1.5 lakhs annually for medical treatments at hospitals listed under the Mahatma Phule Jan Arogya Yojana. The policyholders do not have any payments to make.
They can therefore experience the healthcare services and advantages of this program as a cashless transaction. The Maharashtra State Government covers premium costs for the Mahatma Phule Yojana. This scheme does not specify any waiting period for pre-existing conditions. Each year, policyholders can participate in one medical camp at no cost.
Mahatma Jyotiba Phule Jan Arogya Yojana Application Process
- It is possible to discover the process for online MJPJAY registration and how to obtain a card for the program.
- Having a Mahatma Jyotiba Jan Arogya Yojana Card is essential to access the various advantages provided by the Mahatma Jyotiba Phule Yojana scheme (MJPJAY scheme).
- To obtain this card, one must undergo a specific procedure that allows them to receive this important item containing essential details and vital identification data connected to the Mahatma Jyotiba scheme (MJPJAY scheme).
- To obtain a card for the MJPJAY scheme, one must visit a nearby General, Women/District/Network hospital.
- Arogyamitra will help obtain health care and represents the MJPJAY program.
- A health card may be issued when visiting the network hospital to receive a diagnosis from the physicians.
- Health camps organized by the network hospitals can also be attended to obtain a health card.
Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) Enrollment Form
More information is desired regarding the application form for the Mahatma Jyotiba Phule Jan Arogya Yojana scheme (MJPJAY scheme). The application form for the MJPJAY scheme must be obtained in person.
The primary aim of the MJPJAY scheme by the government was to ease the hardships faced by the challenged BPL and APL families (Below the Poverty Line and Above Poverty Line families). The beneficiaries need to visit their nearest General, Women, District, or Network hospital to register for the Mahatma Jyotiba Phule Yojana scheme (MJPJAY scheme)
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