Mahatma Phule Jan Arogya Yojana — ₹5 Lakh Health Cover

What is Mahatma Phule Jan Arogya Yojana (MPJAY)?

Mahatma Phule Jan Arogya Yojana (MPJAY) — formerly Rajiv Gandhi Jeevandayee Arogya Yojana — is the Maharashtra government's cashless health insurance scheme providing free hospital treatment for critical illnesses to eligible Maharashtra families.

Coverage:

• BPL/orange ration card families: ₹1,50,000/year per family
• Yellow ration card (AAY) families: ₹2,00,000/year per family
• Kisaan/farmers (debt-waiver scheme beneficiaries): Additional coverage as notified

Integrated with PM-JAY: Maharashtra has integrated MPJAY with the central Ayushman Bharat PM-JAY scheme — eligible families get a combined coverage of up to ₹5 lakh/year.

What's Covered?

MPJAY covers 1,000+ procedures across 34 specialties:

• Heart bypass surgery, angioplasty, heart valve surgery
• Cancer treatment (chemotherapy, surgery, radiation)
• Kidney transplant, dialysis
• Hip/knee replacement
• Neurological surgeries (brain/spine)
• Caesarean delivery
• Neonatal care for sick newborns
• Burns, poly-trauma surgeries
• Eye surgery (cataract, retina)

What's not covered: OPD consultation, routine tests, medicines for non-covered conditions, dental (except accidents), cosmetic surgery.

Who is Eligible?

• Households with yellow ration card (Antyodaya) — Maharashtra's poorest
• Households with orange ration card (BPL / Priority Household)
• Farmers covered under Pradhan Mantri Kisan Man Dhan Yojana
• Journalists (accredited) and their families
• State government employees (through separate government health scheme)

Combined with PM-JAY: If your family is on the PM-JAY SECC list, you automatically get ₹5 lakh cover. MPJAY adds Maharashtra's additional schemes.

How to Use MPJAY (Cashless Treatment)

1. Go to any MPJAY-empanelled government or private hospital in Maharashtra
2. Show your:
   • Ration card (yellow/orange)
   • Aadhaar card (for identity verification)
3. The hospital's MPJAY help desk will:
   • Verify your eligibility via the MPJAY/PM-JAY database
   • Issue pre-authorization for the required procedure
4. Get treated cashlessly — hospital claims directly from the scheme
5. No money required from patient for covered procedures up to scheme limit

How to Get an MPJAY Card

Most BPL/orange/yellow ration card holders are automatically enrolled. To check:

1. Go to jeevandayee.gov.in
2. Click "Beneficiary Search"
3. Enter ration card number or Aadhaar
4. Check if your family is enrolled

If not enrolled but eligible:

• Visit your nearest District Hospital or empanelled hospital's MPJAY help desk
• OR contact the District Office of Arogyam (District Health Office) for enrollment

Finding MPJAY Hospitals

1. Go to jeevandayee.gov.in
2. Click "Hospital Search"
3. Enter district and speciality needed
4. View list of empanelled hospitals

Both government hospitals (district hospitals, civil hospitals) and many private hospitals are empanelled.

Documents Required

1. Ration card (yellow or orange)
2. Aadhaar card of the patient and the ration card holder
3. Doctor's referral (for pre-authorization of planned procedures)
4. Medical records (for emergency, documents can be submitted retrospectively)

Frequently Asked Questions

I have an orange (BPL) ration card. How much coverage do I get?

With orange ration card, MPJAY provides ₹1,50,000/year per family. Combined with PM-JAY (if eligible via SECC), total can be ₹5 lakh/year.

The private hospital said I'm not covered for a procedure. What to do?

Ask to see the full MPJAY package list — all 1,000+ covered procedures are listed. If the procedure is on the list and you're eligible, the hospital is obligated to provide cashless treatment. Escalate to the MPJAY state helpline.

Can I use MPJAY outside Maharashtra (another state)?

MPJAY is Maharashtra-specific. For out-of-state treatment, you'd need PM-JAY (which works nationally) if your family is on the PM-JAY list. Emergency situations are usually managed case-by-case.

I am a journalist. How do I get MPJAY coverage?

Accredited journalists (with Maharashtra government press accreditation) are eligible. Apply through the Directorate of Information and Public Relations (DIPR) in Maharashtra.

Official Links

• MPJAY portal: jeevandayee.gov.in
• Maharashtra Arogya: arogya.gov.in
• MPJAY helpline: 1800-233-2200 (toll-free)