Mahatma Jyotiba Phule Jan Arogya Yojana

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

The Mahatma Jyotiba Phule Jan Arogya Yojana, earlier known as the Rajiv Gandhi Jeevandayee Arogya Yojana, is the main public health insurance plan in Maharashtra.
The Government of Maharashtra launched this program to ensure that everyone has access to healthcare. Its goal is to provide low-income families with free and quality medical care across the state.

The scheme covers serious and long-term illnesses such as cancer, cardiac diseases, kidney conditions, neurosurgery, and other life-threatening diseases.
MJPJAY has become a lifeline for thousands of low-income families by partnering with hundreds of empanelled hospitals, including Onco-Life Hospitals, which also connects patients with specialised care such as access to a hematologist in Pune.

Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY): Overview and Benefits

The benefits under MJPJAY ensure that vulnerable groups receive the medical care they need.

Important Features and Benefits

• No cash needed for approved procedures at empanelled hospitals.
• Coverage up to ₹1.5 lakh per family per year and up to ₹2.5 lakh for kidney transplants.
• Coverage for 1,000+ procedures across oncology, cardiology, orthopaedics, nephrology, and general surgery.
• A vast network of 900+ empanelled cancer hospital in Maharashtra.
• Extra protection for farmers, women, and children from rural and economically weaker areas.
• 100% cashless treatment during hospitalisation.
• Diagnostic tests such as imaging, including facilities for PET scan in Pune, and pre-/post-hospitalisation follow-ups are included.

This comprehensive approach ensures access to modern and dignified healthcare for families below the poverty line.

Eligibility Criteria for MJPJAY

Eligibility rules focus on fairness and easy access.

Who Can Apply

• Residents of Maharashtra with a valid Aadhaar or ration card.
• Families holding Yellow or Orange Ration Cards (low-income/BPL categories).
• Farmers from 14 government-identified distressed districts.
• Accredited journalists under Maharashtra’s Directorate of Information and Public Relations.
• Individuals registered under the Antyodaya Anna Yojana (AAY).

Eligibility Checklist

• Permanent residence in Maharashtra.
• Proof of income or ration card indicating category.
• Government-issued ID (Aadhaar, PAN, Voter ID).
• Referral from a government medical officer or empanelled hospital.
• Valid scheme health card or enrolment certificate.

What is Covered Under MJPJAY

MJPJAY covers a wide range of medical and surgical conditions across specialties, reducing financial burden for essential treatments such as chemotherapy cost in Pune.

Specialities and Examples of Covered Treatments

• Oncology (Cancer): Chemotherapy, radiation therapy, cancer surgeries, with referral pathways to experts such as a lung cancer specialist in Mumbai when required.
• Cardiology: Angioplasty, CABG, cardiac device implantation.
• Nephrology: Dialysis, kidney transplant, chronic kidney failure management.
• Orthopaedics: Joint replacement, fracture fixation, spine surgery.
• Neurosurgery: Brain tumour removal, spinal disorder treatment.
• General Surgery: Appendicitis, hernia, gallbladder surgery.
• Obstetrics & Gynaecology: C-section, hysterectomy, ovarian cyst removal.
• Paediatrics: Neonatal care, congenital defect surgeries.

What MJPJAY Does NOT Cover

• Cosmetic or aesthetic surgeries
• Organ transplants other than kidneys
• Infertility or fertility treatments
• OPD consultations without admission
• Experimental or unauthorised procedures

List of Diseases & Treatments Covered

The scheme includes 1,009 procedures across 34 specialties, including:

• Cancers of the breast, lung, cervix, mouth, gastrointestinal tract
• Dialysis and kidney transplant
• Cardiac stenting and surgeries
• Major neurosurgeries
• Emergency trauma care
• Obstetric emergencies

For the latest list, visit the official portal: https://www.jeevandayee.gov.in

MJPJAY Empanelled Hospitals

The MJPJAY hospital list includes both public and private hospitals known for quality and transparency.

Sample Hospitals by Region

• Mumbai: Tata Memorial Hospital, KEM Hospital, Onco-Life Hospitals (Pune District), Ruby Hall Clinic
• Nagpur: Government Medical College, Orange City Hospital
• Aurangabad: MGM Hospital, Government Cancer Centre
• Nashik: Wockhardt Hospital, Civil Hospital Nashik

How to Find the Nearest MJPJAY Hospital

1. Visit https://www.jeevandayee.gov.in
2. Click “Find Hospital”
3. Select district and treatment type
4. Download the nearest empanelled hospital list

How to Register for MJPJAY (Online Process)

1. Visit https://www.jeevandayee.gov.in
2. Click “Register Beneficiary”
3. Enter Aadhaar or ration card details
4. Upload ID and income proof
5. Select district and hospital
6. Submit and save acknowledgment
7. District Nodal Officer verifies eligibility
8. Receive MJPJAY card upon approval

Tips

• Ensure Aadhaar and ration card details match
• Keep your mobile number active for OTPs
• For help, visit any empanelled hospital desk

How to Check Your Name in the MJPJAY Beneficiary List

1. Visit the MJPJAY Beneficiary Portal
2. Select “Search by Ration Card Number” or “Search by Aadhaar Number”
3. Enter details and submit
4. View beneficiary status and scheme activation

MJPJAY Claim & Cashless Treatment Process

The entire claim process is cashless and handled jointly by the hospital and the government.

Steps

1. Visit an empanelled hospital such as Onco-Life Hospitals
2. Hospital verifies eligibility
3. Pre-authorisation sent for approval
4. Approval within 24 hours
5. Patient receives cashless treatment
6. Hospital uploads documents for final settlement

Do’s and Don’ts

Do:

• Keep health card or ration card ready
• Verify treatment package code

Don’t:

• Do not make payments unless the procedure is not covered

Documents Required

• Aadhaar card
• Income certificate or yellow/orange ration card
• Proof of residence
• Doctor’s referral note
• Hospital estimate (if needed)
• Passport-size photographs

How to Raise an MJPJAY Claim

• Visit the hospital’s MJPJAY helpdesk
• Submit health card and ID
• Hospital’s nodal officer files the claim online
• Receive SMS confirmation with reference number
• Claim settled between hospital and government authority

Common Exclusions & Limitations

• Non-medical cosmetic surgeries (e.g., liposuction)
• Clinical trials and experimental treatments
• OPD visits without hospitalisation
• Treatment at non-empanelled hospitals
• Personal expenses during hospital stay

Conclusion

The Mahatma Jyotiba Phule Jan Arogya Yojana is a cornerstone of Maharashtra’s mission to make advanced healthcare affordable.
As an empanelled partner, Onco-Life Hospitals supports patients in accessing cashless cancer care under MJPJAY.

For help with registration or queries, visit the Onco-Life Hospitals MJPJAY Helpdesk or contact our support line.
Together, we can make quality healthcare a right—not a privilege.

Frequently Asked Questions (FAQ)