Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY): Complete Guide

Last Updated on January 14, 2026 by Admin

Agar aap Maharashtra ke resident hain, toh Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) aapke liye ek life-saver scheme ho sakti hai. Medical emergencies bata kar nahi aati, aur private hospitals ka bill aksar aam aadmi ki pahunch se bahar hota hai. Isiliye, Maharashtra Government ne yeh health insurance scheme launch ki hai taaki ghareeb aur middle-class families ko cashless treatment mil sake.

Is article mein hum baat karenge MJPJAY scheme (jise pehle Rajiv Gandhi Jeevandayee Arogya Yojana kaha jata tha) ke baare mein details mein. Hum samjhenge ki iska labh kaise uthayein, eligibility kya hai, aur documents kaunse lagenge—sab kuch aasaan Hinglish mein.

What is MJPJAY Scheme?

Basically, MJPJAY Maharashtra government ki flagship health insurance scheme hai. Iska main aim hai ki State ke underprivileged sections ko costly medical treatments free mein provide kiya jaye.

Yeh scheme puri tarah se Cashless hai. Iska matlab yeh hai ki agar aap eligible hain, toh aapko hospital mein deposit jama karne ki zarurat nahi hai. Sara kharcha government aur insurance company direct hospital ko pay karti hai.

Key Highlights:

• Type: Health Assurance Scheme.
• Coverage: Serious illnesses, surgeries, and therapies.
• Cost to you: Zero (Premium government bharti hai).

Key Benefits and Coverage Limit

Pehle is scheme ke under ₹1.5 Lakh tak ka coverage milta tha per family per year. Lekin recent updates aur Ayushman Bharat ke integration ke saath, ab yeh limit badha di gayi hai.

1. Financial Cover: Ab eligible families ko ₹5 Lakh tak ka health cover milta hai (integrated with PMJAY in many cases).
2. Renal Transplant: Kidney transplant jaise major operations ke liye limit higher hoti hai (approx ₹2.5 Lakh to ₹4.5 Lakh as per specific packages).
3. Pre-existing Diseases: Sabse achi baat yeh hai ki purani bimariyan (pre-existing diseases) day one se cover hoti hain.
4. Medicines & Diagnostics: Hospitalization ke dauran dawaiyan, tests, aur doctor ki fees sab covered hai.

Eligibility Criteria: Who can apply?

Sabse common sawal yahi hota hai: “Kya main iske liye eligible hoon?” MJPJAY mainly Ration Card ke basis par chalta hai. Aayiye dekhte hain:

• Yellow Ration Card Holders (Antyodaya Anna Yojana – AAY): Aap fully eligible hain.
• Orange Ration Card Holders (Annapurna): Agar aapki annual income ₹1 Lakh se kam hai, toh aap eligible hain.
• White Ration Card Holders: Generally, White card holders eligible nahi hote. Lekin, agar aap Maharashtra ke 14 distress districts (jahan kisan atmahatya zyada hai, jaise Vidarbha/Marathwada region) se hain, toh aap bhi eligible ho sakte hain.
• Government Ashram School Students & Orphanage Inmates: Yeh bhi is scheme ke under cover hote hain.

Note: Agar aapke paas valid Ration Card hai jo Yellow ya Orange category mein aata hai, toh aap automatically beneficiary ban jate hain.

Documents Required for MJPJAY

Hospital jane se pehle, yeh documents zarur ready rakhein taaki admission mein koi dikkat na aaye:

1. Valid Ration Card (Yellow or Orange).
2. Aadhaar Card (Identity proof ke liye).
3. Driving License / Voter ID (Agar Aadhaar nahi hai, though Aadhaar is preferred).
4. Passport Size Photo.
5. Doctor’s Prescription (Jis bimari ke liye admit hona hai).

How to Apply & MJPJAY Hospital List

MJPJAY ke liye koi “Online Application Form” ghar baithe bharne ki zarurat nahi hoti. Process thoda alag hai:

Step-by-Step Process:

1. Check Hospital List: Sabse pehle check karein ki aap jis hospital mein ja rahe hain, wo MJPJAY Empanelled (Network) Hospital hai ya nahi. Aap official website ya MahaArogya app par list dekh sakte hain.
2. Meet the Arogyamitra: Har network hospital mein ek “Arogyamitra” ka desk hota hai. Hospital pahunchte hi seedha unse milein.
3. Document Verification: Apna Ration Card aur Aadhaar Card Arogyamitra ko dikhayein. Woh system mein check karenge ki aap eligible hain ya nahi.
4. E-Card Generation: Agar aap eligible hain, toh wahi par aapka admission process shuru hoga aur ek E-Preauth request bheji jayegi.
5. Cashless Treatment: Approval aane ke baad, aapka ilaaj shuru ho jayega bina kisi payment ke.

Tip: Agar hospital mana kare ya Arogyamitra help na kare, toh aap turant 155388 (Toll-Free) par complain kar sakte hain.

Disease Coverage

Is scheme mein lagbhag 996 types ki surgeries aur therapies covered hain. Ismein shamil hain:

• Cardiac surgeries (Angioplasty, Bypass).
• Cancer treatment (Chemotherapy, Radiation, Surgery).
• Kidney diseases (Dialysis, Transplant).
• Neurology surgeries.
• Burns and Polytrauma.

Lekin dhyan rahe, choti-moti bimariyan jaise sardi-khasi ya OPD (Out Patient Department) checkups ismein cover nahi hote. Yeh sirf IPD (Admit hone wale patients) ke liye hai.

Frequently Asked Questions (FAQs)

Q: Kya delivery (pregnancy) MJPJAY mein cover hoti hai?
A: Normal delivery usually Government hospitals mein free hoti hai, lekin C-Section aur complicated deliveries ke liye MJPJAY mein provisions hain agar medical necessity ho.

Q: MJPJAY aur Ayushman Bharat mein kya farak hai?
A: Ayushman Bharat (PMJAY) Central Government ki scheme hai aur MJPJAY State Government ki. Maharashtra mein yeh dono schemes ab integrated chalti hain taaki beneficiaries ko maximum benefit (up to ₹5 Lakh) mil sake.

Q: Agar mere paas Ration Card nahi hai toh?
A: Bina valid Ration Card (ya specific Tahsildar certificate for distress districts) ke is scheme ka labh uthana mushkil hai. Aapko pehle apna Ration Card update karwana hoga.

Conclusion:
MJPJAY Maharashtra ke logon ke liye ek vardan hai. Agar aap eligible category mein aate hain, toh iska card banwana ya documents ready rakhna bohot zaruri hai. Medical emergency kabhi bhi aa sakti hai, aur yeh scheme aapki family ko financial crisis se bacha sakti hai.