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Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) is a health insurance plan for families offered by the government of Maharashtra to the citizens of the state. The plan covers over 2.2 crore families in different districts in Maharashtra. With this revamp, the government aims to align the MJPJAY with Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PMJAY).
| Mahatma Jyotirao Phule Jan Arogya Yojana is the flagship health insurance scheme of the state of Maharashtra | The plan changed the overall cover from INR 1.5 lakh to INR 5 lakh per family per year | The government further likely to make the plan universal, which means that every citizen of Maharashtra would be able to avail it |
| Under this plan patients visit the empanelled hospital to get treatment by showing their AAY or Ration card | The beneficiaries can also show Antyodaya Anna Yojana (AAY) card and Annapurna Ration card | From 972 medical conditions that were allowed under the plan earlier, it has been increased to 1209 procedures |
| The State government of Maharashtra pays the premium to the insurer per family under this scheme | Policyholder can get the treatment in the empanelled hospitals by showing yellow, orange ration card | The government pays INR 1700 crore to United India Insurance as premium, which comes to INR 797 per family/year |
As per the recent expansion done under the Mahatma Jyotirao Phule Jan Arogya Yojana, the health insurance cover for every family has been increased from INR 1.5 Lakh to INR 5 lakh. The scheme further increased the number of treatments/procedures covered under the plan from 972 to 1209 as per the new announcement.
In addition, the scheme also added another 500 hospitals in the list of empanelled hospitals to make the total list more than 1500.
Also, the government is planning to make the plan universal to make it accessible to all citizens of Maharashtra irrespective of their economic background.
The primary objective of the Mahatma Jyotirao Phule Jan Arogya Yojana is to offer cashless and quality healthcare facilities to the citizens of the state against various illnesses that need hospitalization. It covers surgeries and cures through care providers via network hospitals.
As discussed above, the Mahatma Jyotirao Pule Jan Arogya Yojana is Government of Maharashtra’s leading health insurance scheme. Under the scheme, people of Maharashtra are allowed cashless facilities to get treatment for various diseases listed under the plan. The treatment can be done in the network of hospitals that are enlisted as part of the yojana including both government and non-government hospitals.
The scheme was earlier termed as Rajiv Gandhi Jeevandayee Arogya Yojana and was initiated from eight districts of Maharashtra on July 2,2012. Later, it was extended to 28 districts on November 21, 2013.
The insurer offering coverage for the scheme is United India Insurance Company Limited, which is one of the best health insurance companies in India in the public sector domain. The assurance mode of the coverage is taken care of by the State Health Assurance Society. The premium paid by the government under the plan is INR 797/- per year per family on behalf of eligible families to benefit from the scheme.
To Conclude
Mahatma Jyotirao Phule Jan Arogya Yojana is a scheme completely funded by Maharashtra Government. Policyholders can avail the benefits of getting cashless treatment under this scheme to get cured of several diseases listed under this family health insurance.
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Among others, applicants who have annual income less than INR 1 lakh are eligible under the plan. Family members of the primary applicant can get coverage under the Mahatma Jyotiba Phule Jan Arogya Yojana as well.
The scheme offers a sum assured of INR 5 lakh per annum per family living in Maharashtra. The scheme covers the cost of the medications, surgeries, treatment, diagnostics, and consultations. The best health insurance coverage under the scheme is provided on a family floater basis.
Holders of White/Orange/Yellow Ration Card, Antyodaya Anna Yojana Card (AAY) or Annapurna Card are eligible for the scheme. Farmers from districts that are categorized as agriculturally distressed locations of Maharashtra are also eligible for the plan.
Families living below the poverty line with income less than one lakh rupees per annum and who hold either Antyodaya card or Annapurna card or Yellow/Orange ration card are the ones who will benefit mostly from the free medical access under this scheme.
Documents Required for Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) include:
PAN card/ Voter ID/Aadhaar card/Nationalized bank passbook with photograph
Driving license/ School/college ID
Passport
Handicap certificate
Tehsildar's stamps on the applicant's photograph
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