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Mahatma Jyotirao Phule Jan Arogya Yojana – Objective, Key Changes and Recent Updates
Some major changes were announced recently in the Mahatma Jyotirao Phule Jan Arogya Yojana, the Maharashtra health scheme launched in 2012. Let’s take a look at the updates in this post.
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).
Key changes of the health insurance plan as mentioned in the table below
| 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 |
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Recent Updates on MJPJAY Scheme
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.
Objective of the Yojana
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.
About the Scheme
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.
FAQs on Mahatma Jyotirao Phule Jan Arogya Yojana
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
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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Having health insurance is now a top priority among potential policyholders, who are increasingly aware of the importance of accessing quality healthcare at an affordable cost. Not only does it handle finances, but it also gives peace of mind during medical emergencies. Getting coverage without dealing with cash or documentation makes the cashless claim process an attractive feature of the health insurance.
Rather than making an advance payment and waiting for reimbursement, policyholders can receive healthcare from network hospitals without incurring out-of-pocket expenses. With its support, worrying about finances becomes less of a concern, and managing healthcare bills becomes simpler. For emergencies, where time and money are of concern, using cashless claims is very helpful for individuals and their families.
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Choudhary is a privately employed person in Bangalore, and he uses a car to commute to his office daily. While driving his vehicle one day, he met with an accident that resulted in major damages and rendered his car useless. Since he had a car insurance plan, he claimed total loss and that helped him manage expenses without causing any financial burden on him.
Buying two-wheeler insurance online can be a bit overwhelming for first-time buyers and even for policyholders with prior experience. While it is recommended to compare insurance plans before buying them, having some basic understanding will help you extract the most out of them.
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