Mahatma Jyotiba Phule Jan Arogya Yojana 2021


The rate at which treatment and medicine expenses are going up there is no doubt that even middlemen are finding it difficult to pay it off without insurance. Well to get free access for better medical facilities, in that case, has been made by the government to all those ration cardholders in the Maharashtra state under the scheme called Mahatma Jyotiba Arogya Yojana. The primary aim of this scheme is to give better access to free medical care to those who are under privileges and quite vulnerable to society. In order to apply for this scheme, there are also eligibility criteria and even the documentation that is needed for smooth functioning.

What is Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)?

The focus of such jyotiba Phule Jan Arogya Yojana is to offer quality with free medical care to those families that have less income. This scheme is launched by the Maharashtra government which aims to offer medical care free of cost especially for the specialty-based services that need hospitalization for surgeries, consultation, and even therapies using the identified networking of health care providers. It was initially launched with the other scheme called Rajiv Gandhi Jeevandayee Arogya Yojana

This scheme shall give the coverage for the whole medical expenses that were needed for the medical care during the beneficiary hospitalization with the sum that has been insured of the amount of Rs 1,50,000 every year. There would be an annual coverage of Rs.1,50,000 which is possible to be availed by the whole family and even an individual using the cashless hospitalization solution.

What is Covered Under the Mahatma Jyotiba Phule Jan Arogya Yojana?

The scheme is quite a useful one since it covers maximum expenses for the low-income families who are not able to bear the expenses of medicine and treatment. It has more than 971 surgeries and therapies listed under it with different categories. This includes Orthopaedic surgery and procedures, gynecology and obstetrics, and ophthalmology surgery to name some. other are:

  • Ophthalmology Surgery

  • Genitourinary System

  • Medical Oncology

  • General Surgery

  • Ent Surgery

  • Orthopedic Surgery and Procedures

  • Cardiac and Cardiothoracic Surgery

  • Plastic Surgery

  • Polytrauma

  • Critical Care

  • Gynecology and Obstetrics Surgery

  • Surgical Gastroenterology

  • Pediatric Surgery

  • Surgical Oncology

  • Radiation Oncology

  • Burns

  • Prostheses

  • General Medicine

The government has even made the reservation for more than 132 process which is yet to be performed by the government hospital or even the government medical colleges

There has been an upper limit for the transplant operation that is set which is Rs.2,50,000.

The medicine and consultation after hospitalization can also be covered up for the next 10 days from the discharge date.

What is Not Covered?

In this schedule, all kinds of medical care facilities are acceptable which shall be provided except for certain processes like hernia, abdominal hysterectomy, appendectomy, discectomy, or cholecystectomy to name some. They would be performed only at the government medical colleges or hospitals

Features of Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

Listed are the salient features of the Arogya Yojana:

  • The health insurance coverage and premium charges are borne by the State Government of Maharashtra.

  • The scheme can be utilized by an individual or on a family floater basis.

  • All pre-existing diseases are covered from day one.

  • Access to health camps conducted at government empanelled hospitals.

  • Sum insured amount of Rs.1,50,000 per year per family.

  • Covers surgeries, diagnostics, medications, and follow-up consultations and treatment.

  • Apart from government empanelled hospitals, several private hospitals are included.

Benefits of Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

 The applicant can enjoy the creation benefits of the scheme that is associated with APL and BPL families. Below are some of the scheme that includes:

  • It covers about 121 types of follow-up procedures in 30 specialized categories.

  • It covers about 971 types of surgeries/therapies/procedures in 30 specialized categories.

  • Only empanelled government hospitals and medical colleges will perform 132 government reserved procedures.

  • Renal transplant upper ceiling is at Rs.2,50,000.

Documents Required to Apply for Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)

To make sure there is a smooth flow of the process and filing is done to avail benefits and features, there are some documents that need to be kept handy and have to be uploaded later for KYC purposes.

  • Driving License

  • Voter ID

  • Nationalized Bank Passbook with Photograph

  • Pan Card

  • Aadhar Card

  • Handicap Certificate

  • For rural areas, Tahsildar’s stamp, and signature on the applicant’s photograph.

  • School/College ID

  • Passport

  • Senior citizen card issued by central and state government Of India

  • Any photo ID proof issued by Govt. of Maharashtra/ Govt. of India.

  • For urban areas, Government Local bodies/Tahsildar’s stamps 

  • Freedom Fighter ID Card

  • Defense ex-service card issued by Sainik board

  • Marine Fishers Identity card. 

How to Apply for Mahatma Jyotiba Jan Arogya Yojana Card Online?

The application process is quite simple for which:

  • The candidate needs to visit the General, Women/District/Network hospital where Arogyamitra would be the representative of the scheme who shall offer you the health card.

  • It is important to see the government facilities and thus you shall then get the referral card to the network hospitals for initiating the preliminary diagnoses by the doctors. It is even possible for you to attend the health camps that shall be conducted by the Network hospitals.


This scheme has been designed for better usage and accessibility for the Below Poverty Line (BPL) and Above Poverty Line (APL) families that do not include the White Card Holders since they are the civil supplies departments. The process of application is simple and families who are residing in identified distressed districts, hold White/Orange/Yellow Ration Card, farmers from several agriculturally distressed districts in the state of Maharashtra are eligible for it.

Questions and answers

Is it compulsory to pay any extra money for treatment?

Under the scheme, you should not pay any extra money to the hospital for services approved under the scheme.

Is hernia covered under the MJPJAY scheme?

No. Hernia is not covered under the scheme. but, diaphragmatic hernia in pediatrics is covered.

What is the turn-around time for pre-authorization?

The TAT is 12 hours and is the turn-around time for pre-authorization.