Government Schemes Information
Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)
Cashless Health Coverage for Maharashtra Families
Overview: What is MJPJAY?
The Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) is a flagship health insurance scheme launched by the Government of Maharashtra to ensure that financially weaker sections of society can access high-quality medical care without worrying about treatment costs.
Initially known as Rajiv Gandhi Jeevandayee Arogya Yojana, the scheme was renamed and expanded to cover a broader population base, especially low-income families, marginalized communities, and farmers.
MJPJAY provides cashless treatment for over 1,000 medical procedures, including major surgeries, cancer care, cardiac procedures, and critical illnesses, in empanelled public and private hospitals across Maharashtra.
Key Highlights
- Coverage Amount: Up to ₹1.5 lakh per family per year (can go up to ₹2.5 lakh for special procedures).
- Coverage Type: Family Floater Basis – i.e., the total amount is shared among all family members.
- Beneficiary Cost: Completely cashless – patients do not pay for covered treatments.
- Hospitals Covered: Over 500 empanelled hospitals across Maharashtra (including Onco-Life Hospitals).
- Illnesses Covered: More than 1,000 procedures, including cancer, heart disease, kidney failure, burns, accidents, and more.
Who is Eligible?
Any family residing in Maharashtra that holds one of the following can be eligible:
Eligibility Documents / Cards
- Yellow Ration Card (Below Poverty Line – BPL)
- Orange Ration Card (Above Poverty Line – lower income)
- Antyodaya Anna Yojana (AAY) cardholders
- Annapurna Cardholders
- Scheduled Tribe (ST) and Scheduled Caste (SC) families
- Farmers from 14 suicide-prone districts of Maharashtra
- Construction workers registered with the Labour Welfare Board
- Sanitation workers and waste pickers
- People with disabilities
- Orphaned children from registered orphanages
- Senior citizens with a pension under government schemes
- Any family recommended by district government authorities
If you’re unsure, Onco-Life’s scheme coordinators will help you verify your eligibility instantly using your ration card or Aadhaar.
Step-by-Step: How to Avail MJPJAY
Step 1: Check Eligibility
Visit your nearest Onco-Life Hospital or Common Service Centre (CSC). Carry your ration card and Aadhaar. Our team will check your name in the MJPJAY database.
Step 2: Get an Ayushman/MJPJAY Card (If you don’t already have it)
Once verified, an Ayushman Bharat Health Card (also valid for MJPJAY) will be issued in your family’s name. This will have a unique ID and list of family members.
Step 3: Choose Hospital
Go to any MJPJAY-empanelled hospital, including Onco-Life Hospitals in Talegaon, Satara, Chiplun, and Wagholi.
Step 4: Documents & Pre-Authorization
At the hospital, submit your scheme card, photo ID, and basic documents. The hospital’s Arogya Mitra will help get pre-authorization from the government portal.
Step 5: Get Treatment
Once approved, you will receive the required medical treatment or surgery – completely cashless. All costs are billed directly to the scheme.
Step 6: Discharge & Follow-Up
Post-treatment, you will be discharged with complete medical reports. Follow-up visits may also be covered for certain packages.
Documents Required
- Scheme card (Ayushman Card or Ration Card – Yellow/Orange)
- Photo ID (Aadhaar card, Voter ID, PAN card, etc.)
- Residential Proof (if needed)
- Doctor’s prescription or referral (if coming from another health centre)
- Passport-size photographs
Onco-Life Scheme Support Contact Numbers
Our trained Arogya Mitra Coordinators at each centre will assist you with eligibility, paperwork, pre-authorizations, and hospital admission under MJPJAY:
 Hospital Branch |
 Contact Numbers |
|---|---|
| Satara | 02162-350063, 7769004343, 7030362222 |
| Talegaon Dabhade | 8128124067, 8128123067 |
| Chiplun | 7378958000, 9404240762 |
| Wagholi (Pune) | 7756894303, 9552952299 |
Most Popular Questions
MJPJAY
1. What is MJPJAY?
It is a government health insurance scheme by Maharashtra offering free, cashless treatment for serious illnesses at designated hospitals.
2. Is the scheme only for poor families?
No. It covers poor, lower-income, and vulnerable families. Orange ration cardholders, farmers, sanitation workers, and others also qualify.
3. Can I use it for cancer treatment?
Yes. Surgeries, chemotherapy, radiation, and diagnostics for many cancer types are covered under MJPJAY.
4. Do I need to pay anything at the hospital?
No. Approved treatments are 100% cashless. No hospital bills are charged to the patient.
5. Do I need to register for MJPJAY before admission?
Yes. Either you should already have a valid scheme card, or you can register at the hospital before treatment begins.
6. What if I don't have a card but think I'm eligible?
Onco-Life's Arogya Mitra can check your eligibility using your ration card and Aadhaar. If eligible, they can help you register on the spot.
7. Can I use the scheme outside Maharashtra?
No. MJPJAY is a state-specific scheme, valid only within Maharashtra. However, national portability is allowed under PM-JAY (see next scheme).
8. Are OPD visits covered?
Mostly not. MJPJAY covers hospital admissions and surgeries, not general OPD consultations or minor tests.
9. Is there any age limit?
No. All age groups – from children to senior citizens – are covered.
10. How often can I use the scheme?
There is no limit on the number of times, as long as the total treatment cost stays within the annual ₹1.5 lakh (or revised ₹5 lakh) coverage.
11. What if my surgery costs more than ₹1.5 lakh?
Some special treatments are covered up to ₹2.5 lakh. Otherwise, the balance cost must be borne by the patient.
12. Do I have to renew the card annually?
No. Once issued, the scheme card remains valid until the government changes the policy.
13. Is the scheme valid in private hospitals?
Yes. Over 500 private hospitals, including Onco-Life, are empanelled for MJPJAY.
14. How long does approval take?
Usually within a few hours. Urgent surgeries can get fast-track approvals.
15. What is the role of an Arogya Mitra?
They are trained facilitators in each hospital who help you use the scheme – from documentation to discharge.
16. Can my entire family use the scheme?
Yes. The coverage is shared by all registered members in the family.
17. What if I lose my card?
You can reapply at a CSC or Arogya Mitra desk. Your Aadhaar/ration card will help retrieve your registration.
18. Is maternity care covered?
Yes. Complicated deliveries and surgeries are included. Routine deliveries may not be covered under all packages.
19. Are medicines included?
Yes. Medicines prescribed during hospitalization are covered under the approved package.
20. Can I combine MJPJAY with private insurance?
Usually not. Double-claiming is not allowed. Use either government or private insurance for any treatment.
21. What if the hospital refuses to admit me under the scheme?
Contact the Arogya Mitra desk or call the scheme helpline. All empanelled hospitals must accept valid cases.
22. Can I choose the doctor/hospital?
Yes, among empanelled hospitals. Doctor assignment depends on hospital policy.
23. Are post-operative checkups included?
Some follow-up care may be included for specific treatments. Confirm with the Arogya Mitra.
24. Can I cancel a surgery if I change my mind?
Yes, but inform the hospital early. Once pre-authorized, some administrative charges may apply if not cancelled in time.
Pradhan Mantri Jan Arogya Yojana (PM-JAY)
India’s Largest Health Protection Scheme for Economically Weaker Families
Overview: What is PM-JAY?
The Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the flagship national health insurance scheme launched by the Government of India under the Ayushman Bharat Mission. It is designed to provide cashless and free secondary and tertiary medical care to over 12 crore vulnerable and economically weaker families across India.
Often referred to as the “Ayushman Bharat Scheme”, it offers financial protection up to ₹5 lakh per family per year, for hospitalization in empanelled public and private hospitals, including those offering specialized treatments such as cancer care, cardiac surgeries, kidney ailments, and trauma care.
Key Features & Benefits
- Coverage: ₹5 lakh per family per year (on a family floater basis)
- Family Size: No cap on the number of family members
- Treatment: Cashless and paperless treatment at empanelled hospitals
- Scope: Over 1,900 procedures including cancer care, heart surgery, organ transplant, trauma, etc.
- Portability: Can be used anywhere in India, irrespective of your home state
- Includes: All pre-existing conditions from Day 1
- Covers: Hospitalization expenses, medicines, tests, OT charges, ICU, implants, consultations
Who is Eligible?
Eligibility is based on Socio-Economic Caste Census (SECC) 2011 data for rural and urban poor households.
You are likely eligible if your family meets any one of the following:
Rural Households:
- No adult (age 16–59) member
- Female-headed household with no adult male member
- SC/ST households
- Disabled member with no able-bodied adult
- Landless families dependent on manual labour
- Primitive tribal groups or legally released bonded labourers
Urban Households (Occupational Categories):
- Rag pickers, domestic workers, street vendors
- Cobblers, plumbers, masons, construction workers
- Rickshaw pullers, delivery boys, cleaners, porters
- Electricians, mechanics, sanitation workers, and more
You can check your eligibility online or at any empanelled hospital or Common Service Centre (CSC).
Step-by-Step: How to Avail PM-JAY
Step 1: Check Eligibility
Visit https://mera.pmjay.gov.in or ask the Arogya Mitra at Onco-Life Hospital to check your family’s name using Aadhaar, ration card, or mobile number.
Step 2: Get Ayushman Bharat Card
If eligible, visit your nearest Common Service Centre (CSC) or hospital to create your Ayushman Card. This smart card is essential for availing benefits.
Step 3: Visit an Empanelled Hospital
Choose any PM-JAY approved hospital (like Onco-Life Hospitals in Satara, Talegaon, Chiplun, Wagholi). Show your Ayushman Card and Aadhaar to begin registration.
Step 4: Pre-Authorization Process
The hospital staff will submit your treatment details to the PM-JAY portal. Once approved, the treatment will be initiated.
Step 5: Cashless Hospitalization
Under PM-JAY, you will receive treatment without paying any money – all costs are borne by the government.
Documents Required
- Ayushman Bharat Card (for the patient)
- Aadhaar Card / Voter ID / PAN Card (Photo ID)
- Ration Card (optional but helpful during eligibility check)
- Passport-sized Photograph
- Medical Prescription or Referral Slip (if available)
Onco-Life Hospital Support – Contact Numbers
For any help related to PM-JAY eligibility, Ayushman card registration, or cashless admission, contact our trained Arogya Mitras:
| Onco-Life Centre |
Contact Numbers |
|---|---|
| Satara | 02162-350063, 7769004343, 7030362222 |
| Talegaon | 8128124067, 8128123067 |
| Chiplun | 7378958000, 9404240762 |
| Wagholi | 7756894303, 9552952299 |
Most Popular Questions
PM-JAY
What is PM-JAY or Ayushman Bharat Yojana?
It is a national health scheme that provides free treatment worth ₹5 lakh per family annually for poor and vulnerable households.
2. Who is eligible for this scheme?
Those listed in SECC 2011 database under certain rural/urban categories. Eligibility can be checked online or via Arogya Mitra.
3. Is this the same as the Ayushman Card?
Yes. The Ayushman Card is the identity document under PM-JAY that allows you to avail cashless treatment.
4. Is there any age limit?
No. Every family member is covered – from infants to senior citizens.
5. How much do I need to pay?
Nothing. PM-JAY is 100% cashless at empanelled hospitals.
6. Can I use this in private hospitals?
Yes. Over 25,000 private and government hospitals are empanelled under PM-JAY.
7. Can I use it outside my home state?
Yes. The scheme is portable and works anywhere in India.
8. What is covered under PM-JAY?
Hospitalization costs, doctor’s fee, medicines, implants, ICU, surgeries, diagnostics, and more – over 1,900 treatment packages.
9. Are cancer treatments covered?
Yes. PM-JAY includes cancer surgeries, chemotherapy, radiation therapy, and follow-up procedures.
10. Are pre-existing illnesses covered?
Yes. All diseases you had before enrolment are covered from Day 1.
11. Is OPD treatment covered?
No. It covers only hospitalization or day-care procedures. OPD is managed through Health & Wellness Centres.
12. Can I use it for pregnancy or childbirth?
Yes. Complicated deliveries and C-sections are covered.
13. How to get the Ayushman Card?
Visit your nearest CSC, hospital, or enrollment camp with Aadhaar and family details. A card will be issued within minutes.
14. What if I lose my card?
You can reprint it at any CSC or Ayushman centre.
15. How many members in my family can use it?
All registered members. There is no cap on the number of members per family.
16. Can two family members use the scheme in the same year?
Yes. The ₹5 lakh cover is shared by all family members.
17. Is this valid every year?
Yes. The scheme continues year after year as long as the beneficiary remains eligible.
18. Can I apply online myself?
You can check eligibility online, but Ayushman card generation must be done via a verified CSC or hospital.
19. Is the treatment really cashless?
Yes. If admitted under PM-JAY, you pay nothing – the hospital claims reimbursement directly from the scheme.
20. How do I know if a hospital is empanelled?
21. What if my hospital bill exceeds ₹5 lakh?
Only ₹5 lakh is covered per family per year. Beyond that, you must pay the difference unless supported by CSR/government aid.
22. Can I use PM-JAY and other insurance together?
Generally, you must choose one scheme. Double-claiming is not permitted.
23. Can I cancel a treatment under the scheme?
Yes, before final admission or surgery. Inform the hospital staff immediately.
24. What if the hospital refuses to accept my card?
You can call 14555 or report the issue to the hospital’s grievance desk. Onco-Life can assist you in such cases.
ECHS – Ex-Servicemen Contributory Health Scheme
Free & Cashless Medical Care for Armed Forces Veterans and Their Families
Overview: What is ECHS?
The Ex-Servicemen Contributory Health Scheme (ECHS) is a welfare initiative by the Ministry of Defence, Government of India. It offers comprehensive, cashless medical services to retired defence personnel (Army, Navy, Air Force) and their dependents.
Started in 2003, ECHS provides lifelong healthcare access through:
- 427+ ECHS Polyclinics across India for outpatient services
- Tie-ups with empanelled private hospitals (like Onco-Life) for specialized inpatient care
- Military Hospitals (MH/CH/AFH) as primary service points
It covers consultations, diagnostics, surgeries, medicines, hospitalization, and even advanced oncology care — entirely cashless for eligible members.
Key Benefits of ECHS
- Cashless Treatment – No bills to pay at authorized hospitals
- Access to Private & Military Hospitals – Including top super-specialty centres
- No Yearly Cap – Unlike insurance policies, there’s no ₹ limit on treatment
- Family Coverage – Spouse, children (up to age limit), and dependent parents/in-laws
- Covers Major Illnesses – Like cancer, heart disease, dialysis, joint replacements, etc.
- Medicines & Follow-ups – Supplied via polyclinics or approved pharmacies
Who is Eligible?
ECHS is available to:
- All Armed Forces Pensioners (including disability pensioners)
- Widows of Defence Personnel (War Widows / Family Pensioners)
- Pensioners from Territorial Army, DSC, Coast Guard, MNS
- Dependents: Spouse, children (till age 25 or marriage), and dependent parents/in-laws
Note: Joining ECHS is compulsory for post-2003 retirees. Older pensioners can opt in voluntarily.
Step-by-Step: How to Avail ECHS Benefits
Step 1: Get ECHS Smart Card
- Apply online at https://echs.sourceinfosys.com
- Submit required documents at your nearest Station HQ / Record Office
- Once verified, receive your ECHS Card (plastic smart card)
Step 2: Visit ECHS Polyclinic for OPD
- Get your consultation, diagnostics, and medicines from ECHS Polyclinic
- For advanced care, the doctor will issue a referral letter to a Military or empanelled private hospital
Step 3: Hospital Admission
- Show your ECHS Card and referral at the empanelled hospital
- The hospital initiates online approval with Regional Centre ECHS
- Once approved, patient is admitted cashless
Step 4: Claim & Discharge
- Entire treatment bill is sent to ECHS by the hospital — no payment required from patient
- Discharge summary and reports are given to the patient
Documents Required
- ECHS Smart Card
- Service/Discharge Certificate or PPO
- Aadhaar Card or Voter ID (photo ID)
- ECHS Referral Form (for hospitalization)
- Medical prescriptions or test reports (if any)
- 4 Passport-size photographs (for enrolment)
Onco-Life Hospital ECHS Support
Our trained coordinators at each centre assist ECHS cardholders with:
- Appointment scheduling
- Referral coordination
- Pre-authorization paperwork
- Admission & post-discharge follow-up
| Onco-Life Centre |
Contact Numbers |
|---|---|
| Satara | 02162-350063, 7769004343, 7030362222 |
| Talegaon | 8128124067, 8128123067 |
| Chiplun | 7378958000, 9404240762 |
| Wagholi | 7756894303, 9552952299 |
Most Popular Questions
ECHS
1. What is ECHS?
ECHS is a health scheme by the Ministry of Defence that offers free medical care to retired defence personnel and their families.
2. Who can join ECHS?
All armed forces pensioners, war widows, and eligible family members can join.
3. Is it compulsory to join?
Yes, for those retiring after 2003. Others can enroll voluntarily.
4. Is there an age limit for dependents?
Yes – dependent children are covered up to age 25 or until marriage/earning, whichever is earlier.
5. Can I use private hospitals under ECHS?
Yes. You can use any empanelled private hospital with a valid referral.
6. Is there any yearly limit on treatment cost?
No. ECHS provides uncapped coverage for eligible treatments.
7. How do I get the ECHS Card?
Apply online and submit documents at Station HQ. The card will be issued after verification.
8. What is a referral letter?
A document issued by an ECHS polyclinic doctor, allowing you to seek treatment at a private or military hospital.
9. Can I get treated without a referral?
In emergencies, yes. But for planned treatment, referral is mandatory.
10. What illnesses are covered?
All major conditions — heart surgeries, cancer treatment, organ transplants, ortho procedures, dialysis, etc.
11. Is chemotherapy or radiation therapy covered?
Yes. All cancer treatments are fully covered with proper referral and approval.
12. What if I lose my ECHS card?
Apply for a duplicate through your ECHS Regional Centre or online portal.
13. Can I use CGHS or other insurance along with ECHS?
ECHS is a standalone scheme. You cannot double-claim under CGHS/PM-JAY for the same treatment.
14. Is treatment really 100% cashless?
Yes. Hospitals bill ECHS directly. You don't have to pay anything (unless you bypass the referral process).
15. Do I need to renew the ECHS card?
No. Once issued, it's generally valid for life. (Subject to any new policy changes.)
16. Is OPD treatment available at private hospitals?
No. OPD is handled only at ECHS Polyclinics. Private hospitals offer inpatient/specialist care with referral.
17. Can I choose any doctor/hospital?
Yes – among the approved hospitals in your region. You cannot visit random hospitals.
18. How long does pre-authorization take?
Typically within 24 hours (faster in emergencies).
19. Where can I find the list of empanelled hospitals?
20. Can I use ECHS outside my state?
Yes. ECHS is valid pan-India in empanelled hospitals.
21. Do I need to carry original documents during admission?
Yes – ECHS card and photo ID are mandatory.
22. What if my dependent is denied admission?
Inform the ECHS grievance redressal cell or hospital's ECHS helpdesk.
23. Is dental care covered?
Yes, to a limited extent. Mostly for extractions, root canals, and dentures at empanelled clinics.
24. How do I get medicines post-discharge?
From your ECHS polyclinic. Hospitals may also give 7–15 days’ supply at discharge.
25. What is the ECHS helpline number?
ECHS regional centres have individual helplines. You can also contact your base polyclinic for assistance.
CGHS – Central Government Health Scheme
Comprehensive Medical Care for Central Government Employees, Pensioners & Their Families
Overview: What is CGHS?
The Central Government Health Scheme (CGHS) is a well-established health care initiative run by the Ministry of Health and Family Welfare, Government of India. It provides comprehensive outpatient and inpatient medical services, including consultations, hospitalization, diagnostics, medicines, and preventive care to:
- Central Government employees
- Central Government pensioners
- Members of Parliament
- Judges of Supreme Court/High Courts
- Certain other eligible categories
CGHS beneficiaries can access services at CGHS Wellness Centres, empanelled private hospitals, government hospitals, and diagnostic labs.
Key Benefits of CGHS
- Cashless Treatment at empanelled hospitals for eligible categories
- Outpatient (OPD) care at CGHS Wellness Centres
- Inpatient (IPD) care at both government and empanelled private hospitals
- Free / subsidized medicines dispensed from CGHS pharmacies
- Preventive care, vaccinations, and diagnostic tests included
- AYUSH services (Ayurveda, Unani, Siddha, Homeopathy) also available
- Family coverage including spouse, children (up to specified age), and dependent parents
Who is Eligible?
Eligible Categories under CGHS:
- Central Government Employees (including All India Services)
- Central Government Pensioners and their eligible family members
- Members of Parliament (MPs) – both Lok Sabha & Rajya Sabha
- Ex-MPs
- Judges of Supreme Court and High Courts (serving and retired)
- Freedom Fighters receiving pension from central government
- Accredited Journalists under PIB
- Employees and pensioners of select autonomous/statutory bodies
- Delhi Police Personnel (serving & retired)
- Certain PSU and Railway Board officials as per notification
Note: Beneficiaries must reside in a CGHS-covered city to avail full benefits.
Step-by-Step: How to Avail CGHS Benefits
Step 1: Apply for CGHS Card
- Visit https://cghs.nic.in and apply online
- Submit printed form along with required documents to Additional Director, CGHS of your city
- Once approved, receive your plastic CGHS Card
Step 2: OPD Services at Wellness Centre
- Visit assigned CGHS Wellness Centre for regular doctor consultations, basic tests, and medicines
- For specialist treatment, get referral to an empanelled hospital
Step 3: Hospital Admission (if needed)
- Show your CGHS Card at the empanelled private hospital
- The hospital seeks online approval for admission from CGHS authority
- Once approved, receive cashless treatment as per CGHS package rates
Documents Required for CGHS Enrolment
- Duly filled CGHS application form
- Aadhaar Card and PAN Card (self & dependents)
- Passport-size photographs
- Proof of residence in CGHS-covered city
- PPO (Pension Payment Order) or Service Certificate (for pensioners)
- Payment receipt (if opting for CGHS contribution)
Onco-Life Hospital – CGHS Support Desk
Our team helps CGHS cardholders with:
- Eligibility verification
- Referral management
- Pre-authorization and billing coordination
- Post-treatment guidance
| Onco-Life Centre |
Contact Numbers |
|---|---|
| Satara | 02162-350063, 7769004343, 7030362222 |
| Talegaon | 8128124067, 8128123067 |
| Chiplun | 7378958000, 9404240762 |
| Wagholi | 7756894303, 9552952299 |
Most Popular Questions
CGHS
1. What is CGHS?
It is a central government scheme providing subsidized or free healthcare services to eligible employees, pensioners, and other notified groups.
2. Who is eligible for CGHS?
Serving/retired central government employees, MPs, judges, pensioners, accredited journalists, and certain PSU employees (as notified).
3. What services are included under CGHS?
Doctor consultations, hospital admission, diagnostics, medicines, health checkups, and preventive care.
4. Is CGHS cashless?
Yes, treatment at empanelled hospitals is cashless for pensioners and others as per category. Serving employees may need to seek reimbursement in some cases.
5. Are medicines free?
Yes, from CGHS pharmacies and wellness centres. Branded or non-listed medicines may need additional approvals.
6. Is there an age or member limit in family?
Spouse and dependent children (till 25 or marriage) are covered. Parents/in-laws are covered if they are financially dependent.
7. How do I apply for a CGHS card?
Apply online at https://cghs.nic.in and submit the printed application with documents to your city’s CGHS office.
8. Is there a cost to join CGHS?
Yes. Serving employees and pensioners contribute a fixed amount monthly or annually, depending on pay scale/pension slab.
9. What if I lose my card?
You can request a duplicate by contacting your Additional Director CGHS or through the online portal.
10. Which cities are covered under CGHS?
More than 80 cities across India including Mumbai, Pune, Delhi, Kolkata, Chennai, Nagpur, etc.
11. Can I use CGHS in any city?
Yes, if you have a valid CGHS card and the city is CGHS-covered. For emergency treatment, you can claim reimbursement even outside CGHS areas.
12. What if I move to a non-CGHS city?
Pensioners can still avail limited CGHS benefits through reimbursement by registering their CGHS card under the nearest city’s Additional Director.
13. How do I get a referral to a private hospital?
Visit your CGHS Wellness Centre doctor, who will assess your condition and issue a referral to a CGHS-empanelled hospital.
14. Can I go directly to a private hospital?
Only in emergencies. For planned treatment, a referral is required for cashless benefit.
15. Are cancer treatments covered under CGHS?
Yes. Surgeries, chemotherapy, radiation, diagnostics, and follow-ups are covered under CGHS-approved rates.
16. What if the hospital denies CGHS admission?
Call the CGHS helpline or Onco-Life’s CGHS desk. All empanelled hospitals are bound to honour CGHS if the patient has valid referral and approval.
17. How long does hospital approval take?
Usually within 24 hours (faster in emergencies). The hospital coordinates this with the CGHS authorities.
18. Do I need to bring any documents during hospital admission?
Yes – your CGHS card, photo ID, referral slip (if required), and previous medical records.
19. How can I check empanelled hospitals?
20. Can I continue CGHS after retirement?
Yes. Pensioners can continue CGHS by submitting PPO and making the applicable contribution.
21. Are dental and eye treatments covered?
Yes, but only specific procedures. Consult your wellness centre for eligibility and referral.
22. Are AYUSH services available under CGHS?
Yes. Ayurveda, Homeopathy, Unani, and Siddha consultations are available in CGHS centres that offer AYUSH wings.
23. Can my spouse and I use CGHS separately?
Yes, if both are eligible beneficiaries. Otherwise, one may be registered as a dependent.
24. What if my dependent becomes ineligible (e.g. child turns 25)?
You must update the card accordingly. CGHS will no longer cover ineligible members.
MPKAY – Maharashtra Police Kutumb Arogya Yojana
Health Security for Maharashtra Police Personnel & Their Families
Overview: What is MPKAY?
The Maharashtra Police Kutumb Arogya Yojana (MPKAY)is a special health scheme introduced by the Government of Maharashtrafor the welfare of serving and retired police personneland their families. This scheme ensures cashless and free medical treatmentat government-approved hospitals across Maharashtra.
The MPKAY scheme covers:
- Police Constables to IPS Officers
- Immediate family members(spouse, children, and dependent parents)
- Cashless treatmentfor more than 900 types of medical procedures
- 24×7 emergency hospitalizationat empanelled hospitals like OncoLife Hospitals
Key Benefits of MPKAY
- 100% Cashless Medical Treatment in empanelled hospitals
- Coverage for Entire Family (serving and retired personnel)
- Wide Range of Treatments – From general surgeries to cancer care
- No Yearly Premium or Contribution
- Free Medicines, Diagnostics, and Hospitalization
- Access to Multi-Specialty Care, including emergency services
Who is Eligible?
Eligible Beneficiaries:
- All serving Maharashtra Police personnel– constables, head constables, inspectors, officers
- Retired police personnelreceiving pension from Maharashtra Government
- Family membersincluding:
- Spouse
- Children (till 25 years or marriage/earning)
- Dependent parents
Step-by-Step: How to Avail MPKAY Benefits
Step 1: Get MPKAY Health Card / I-Card
- Police department provides a photo health cardto all eligible personnel
- It contains police ID number, rank, and family member details
Step 2: Visit an Empanelled Hospital
- Choose any empanelled private hospital (e.g., Onco-Life Hospitals)
- Show your MPKAY Card / Police IDat the registration desk
Step 3: Verification & Pre-Authorization
- Hospital coordinator verifies card and sends online treatment requestto MPKAY portal
- Approval is usually granted within 24 hours(emergency cases faster)
Step 4: Receive Cashless Treatment
- Once approved, treatment begins. No payment requiredby patient.
- Includes hospital stay, OT charges, medicines, diagnostics, and nursing care
Step 5: Discharge & Follow-Up
- Hospital provides discharge summary, bills, and reports.
- Any post-discharge medicines (up to 7–15 days) may also be covered.
Documents Required at Hospital
- MPKAY Health Card / Police ID Card
- Aadhaar Card (for the patient)
- Referral (if provided from department) – optional
- Old medical reports or prescriptions (if available)
- Family member ID (if dependent is being treated)
Onco-Life Hospital – MPKAY Assistance Cell
Our hospital has a dedicated MPKAY helpdeskto guide police personnel and families through the cashless treatment process.
| Onco- Life Centre |
Contact Numbers |
|---|---|
| Satara | 02162-350063, 7769004343, 7030362222 |
| Talegaon | 8128124067, 8128123067 |
| Chiplun | 7378958000, 9404240762 |
| Wagholi | 7756894303, 9552952299 |
Most Popular Questions
MPKAY
1. What is MPKAY?
It is a free health insurance scheme for Maharashtra Police personnel and their families.
2. Who is covered under MPKAY?
All serving and retired Maharashtra Police personnel, along with their spouse, children, and dependent parents.
3. Is it a cashless scheme?
Yes, all approved treatments are 100% cashless at empanelled hospitals.
4. Do I need to pay anything at the hospital?
No. All treatment expenses are covered under the scheme once approved.
5. Is Onco-Life Hospital empanelled under MPKAY?
Yes. Onco-Life Hospitals are empanelled and offer full assistance for MPKAY cases.
6. Is cancer treatment included?
Yes. Cancer surgeries, chemotherapy, radiation therapy, diagnostics, and follow-up care are covered.
7. Do I need a referral from the police department?
Not always. You can directly go to the hospital in emergency or with your MPKAY Card.
8. What documents are needed for admission?
MPKAY Card or Police ID, Aadhaar, and any past medical records.
9. Is prior approval needed for every case?
Yes, except in emergencies where treatment starts immediately, and approval follows.
10. What if approval is delayed?
Hospital MPKAY desk follows up continuously. Most approvals come within 24 hours.
11. Can my dependent child over 25 use the card?
No. Only children below 25 and not married/earning are eligible.
12. Can this be used outside Maharashtra?
No. The scheme is currently valid only within Maharashtra.
13. Are diagnostic tests and scans covered?
Yes. All necessary diagnostic tests related to approved treatments are covered.
14. Is dental care included?
Only if it’s part of a larger surgical procedure. Routine dental work is usually excluded.
15. Can I use MPKAY for maternity care?
Yes. Pregnancy-related hospitalizations and delivery are included.
16. What if I lose my MPKAY card?
Contact your police unit admin to re-issue a duplicate card.
17. Are retired police personnel eligible?
Yes. As long as they receive a Maharashtra Government pension.
18. Do I need to enrol every year?
No. Once enrolled, coverage continues unless the scheme rules change.
19. Are medicines post-discharge covered?
Up to 7–15 days of medicines post-discharge may be included, depending on the case.
20. Are AYUSH or alternative treatments covered?
Not currently. The scheme is focused on allopathic inpatient care.
21. How do I find empanelled hospitals?
Ask your department or check local police station bulletin boards. Onco-Life is a listed provider.
22. Can I get treatment without prior approval?
Only in emergencies. For planned treatment, online approval is required.