Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) 2024 Disease List, Health Camp, Hospital List, Eligibility at jeevandayee.gov.in

Dear friends, today we will tell you complete details of Mahatma Jyotiba Phule Jan Arogya Yojana 2024 or MJPJAY scheme. The Maharashtra state government launched its flagship health insurance scheme, Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) on 2nd July 2012. It was implemented in 8 districts of Maharashtra in 1st phase which was later extended to remaining 28 districts of Maharashtra in phase 2. The scheme was renamed as Mahatma Jyotirao Phule Jan Arogya Yojana from 1st April 2017. Read this article till the end to know MJPJAY scheme disease list, health camp, hospital list, eligibility at jeevandayee.gov.in.

Revamped Mahatma Jyotiba Phule Jan Arogya Yojana Launch

Maharashtra govt. is set to launch revamped health scheme, Mahatma Jyotiba Phule Jan Arogya Yojana, in the month of July 2024. This scheme would offer free treatment to citizens in all govt hospitals. Under the upgraded MJPJAY scheme, the amount allotted per family has been increased from Rs. 1.5 lakh to Rs. 5 lakh.

The Maharashtra state government has recently selected United India Assurance as the insurance provider. For an estimated 12.3 crore families, the state will pay a premium of Rs. 1,300 per family. The purpose of this government scheme is to benefit the poor and needy patients which will also save the money spent on their treatment.

In the revamped MJPJAY Scheme, all types of treatment are being provided free of cost by the government in government hospitals of the state. There are 2,418 institutions under the Public Health Department (PHD). Citizens will get treatment free of cost at primary health centres, rural hospitals, women's hospitals, district general hospitals, subdistrict hospitals, referral service hospitals and cancer hospitals.

Earlier, the beneficiaries of MJPJAY scheme were yellow ration card holders, Antyodaya Anna Yojana ration card holders, Annapurna ration card holders and orange ration card holders. It also included white ration card holder farmer families from 14 districts in the state facing agricultural crisis.

Mahatma Jyotirao Phule Jan Arogya Yojana Login 

Mahatma Jyotiba Phule Jan Arogya Yojana login facility now available at the official https://www.jeevandayee.gov.in/ portal. If you want to make login, then click the direct link - Jeevandayee MJPJAY Login. Upon clicking the link, the page to make Mahatma Jyotirao Phule Jan Arogya Yojana Login will appear as shown below:-

Enter username, password and click "Login" button to make MJPJAY login at jeevandayee.gov.in official website.

Mahatma Jyotiba Phule Jan Arogya Yojana in Maharashtra Budget 2023-24

Finance Minister delivered Maharashtra Budget Speech 2023-24 on 9 March 2023. In the Maharashtra Budget 2023-24, the coverage of the Mahatma Jyotiba Phule Jan Arogya Yojana has been raised from Rs. 1.5 lakh to Rs. 5 lakh. Mahatma Phule Jan Arogya scheme would now include 200 more ailments/diseases. Even kidney transplant operations grant to be increased to Rs. 4 lakh from Rs. 2.5 lakh.

FM said "Mediclaim cover given to BPL families under Mahatma Phule Jivandayee Yojana has been increased to ₹5 lakh from ₹1.5 lakh. Also, a patient will be able to get free treatment up to ₹5 lakh for free under its Mahatma Phule Janarogya Yojana. Earlier, the cap for treatment was of ₹1.5 lakh".

Along with increasing allocation of Mahatma Jan Arogya Scheme from 1.5 lakh to Rs 5 lakh, Maharashtra govt. also announces Rs 5 lakh insurance scheme for the traditional fishermen with centre's help.

Mahatma Jyotirao Phule Jan Arogya Yojana Objective

To provide cashless quality medical care to beneficiaries under the MJPJAY scheme for catastrophic illnesses requiring hospitalization for surgeries and therapies under identified specialty services through network of health care providers.

Maharashtra Health Scheme for Marathis in Karnataka

To preserve Maharashtrian culture in Karnataka, Maharashtra government has introduced its health insurance scheme for Marathis in the neighbouring state, starting 8 January 2024. Five application filing centres have been started in Belagavi city. The state govt. will also launch insurance form receiving centres in all 864 places in Karnataka, including Belagavi, Bidar, Kalaburagi, and Karwar districts shortly. The applications may also be filed online. Govt. will also start a toll-free number for registration.

Maharashtra govt. has simplified the system of enrolling names, where applicants must produce certificates such as income proof, ration card and residence card indicating they were from the disputed places, a total cost bill from hospitals, the Maharashtra chief minister's help desk approval letter at the hospital, hospital bank account, and a letter from the Samiti certifying that the applicant is a Maharashtrian.

The insurance will cover serious accidents, dialysis, brain haemorrhage, treatment for newborns, heart ailments, and other major diseases. Maha govt. will facilitate every applicant, but provide a few documents just for office references. The entire family will be covered with a certificate. Obtaining an approval letter from Maharashtra Ekikaran Samiti (MES) and producing a residential certificate is a must to get insurance benefits.

Maharashtra govt. has allocated Rs. 181 crore for Mahatma Jyotiba Phule Aayogya Yojana. Applicants can receive treatment in selected hospitals in Karnataka and Maharashtra. At present in Karnataka state, Maharashtra govt. have collaborated with about a dozen hospitals, including five in Belagavi, and a few more hospitals with multi-speciality facilities will be added in the days to come. Excited with the health insurance scheme, people are thronging to official centres and also filing online enrollment.

To make the registration procedure easy for the uneducated, a toll-free number has been announced, where Maharashtrians can call and provide their family details. Noticing its culture among its people in Karnataka was diminishing, Maharashtra has been allocating a fund of ₹5 crore every year since 2015 to preserve its culture and tradition in Karnataka. Govt. appeals to all Maharashtrians to enrol their names to avail of the benefits, which can reduce the financial burden during family illnesses. Lakhs of Anganwadi and ASHA workers, serving as field staff in my department, would benefit from such a scheme.

Integrated MJPJAY and AB-PMJAY Scheme

Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY): Mahatma Jyotiba Pule Jan Arogya Yojana is a flagship health insurance scheme of Government of Maharashtra. The scheme provides end to end cashless services for identified diseases through a network of service providers from Government and Private sector. The scheme earlier was known as Rajiv Gandhi Jeevandayee Arogya Yojana which was started from 2nd July 2012 in eight districts and then was expanded to 28 districts of Maharashtra from 21st November, 2013.

Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY): Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PMJAY) was launched by Government of India from 23rd September, 2018. AB-PMJAY was launched in the Maharashtra in integration with Mahatma Jyotirao Phule Jan Arogya Yojna and was implemented on mixed Insurance and Assurance Mode.

Integration: The Integrated Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) was launched in the state on 1st April, 2020. United India Insurance Company Limited (Public sector Undertaking Company) is providing health insurance coverage to beneficiaries under the insurance mode and State Health Assurance Society providing coverage on assurance mode. State Health Assurance Society is paying insurance premium of ₹ 797/- per family per year to Insurance Company in quarterly installment on behalf of eligible beneficiary families.

Mahatma Jyotiba Phule Jan Arogya Yojana is fully funded by Government of Maharashtra. Pradhan Mantri Jan Arogya Yojana is jointly funded by Government of India and Government of Maharashtra in the ratio of 60:40.

Insurer - Scheme was run by insurer National Insurance Company, a Public Sector Undertaking Company from 02.07.12 to 31.03.20. From 01.04.20 Integrated Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is run by insurer United India Insurance Company, a Public Sector Undertaking Company.

Who are Maharashtra Health Insurance Scheme Beneficiaries

The following are the beneficiaries of health insurance scheme in Maharashtra:-

• Beneficiaries under Mahatma Jyotiba Phule Jan Arogya Yojana:
• Category A: Families holding Yellow ration card, Antyodaya Anna Yojana ration card (AAY), Annapurna ration card, Orange ration card (annual income up to INR 1 lakh) issued by Civil Supplies Department, Government of Maharashtra for 36 districts of Maharashtra.
• Category B: White ration card holder farmer families from 14 agriculturally distressed districts of Maharashtra (Aurangabad, Jalna, Beed, Parbhani, Hingoli, Latur, Nanded, Osmanabad, Amravati, Akola, Buldhana, Washim, Yavatmal, and Wardha).
• Category C: 
• Children of Government Orphanages, Students of Government Ashram Shala, female inmates of Government Mahila Ashram & senior citizens of Government old age homes. 
• Journalists & their dependent family members approved by DGIPR. 
• Construction workers and their families having live registration with Maharashtra Building & other Construction worker Welfare Board.
• Beneficiaries under Pradhan Mantri Jan Arogya Yojana: The households included are based on the automatic inclusion, deprivation and occupational criteria of Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas respectively. There are 83.72 lakh families in state. This data is frozen hence additional families cannot be added. However new members in existing families can be added.
• Urban: For Urban area, 11 occupational criteria are identified as Rag pickers, Beggars, Domestic workers, Street vendors, Cobbler, hawkers, Construction workers, Plumbers, Masons, Painters, Welders, Sweepesrs Sanitation workesr, Mali, Home-based workers, Artisans, Handicrafts workers, Tailors, Transport workers, Drivers, Conductors, Helpers, Rickshaw pullers, Shop workers, Assistants, Peons, Attendants, Waiters, Electricians, Mechanics, Assemblers, Repair workers, Washer-men, Chowkidar.
• Rural: Rural Criteria for rural area are from D1 to D7 which include families with only one room with kachha wall and kachha roof, No adult member between age 16 to 59, Female headed household s with no adult members between age 16 to 59, Disabled member and no able bodied adult member, SC/ST households, Landless households deriving major part of income from manual casual labour. Automatically Included category includes Households without shelter, Destitute-living on alms, Manual Scavenger Families, Primitive Tribal Groups and Legally released Bonded Labour.

Eligibility and Identification of MJPJAY Beneficiaries

• Beneficiaries under Mahatma Jyotirao Phule Jan Arogya Yojana:
• Category A: All eligible families shall be identified with valid Yellow, Orange, Antyodaya, and Annapurna ration card (irrespective of date of issue of Ration Card or the inclusion of the beneficiary’s name therein) coupled with any Photo ID proof (as finalized by the Society).
• Category B: Eligibility for farmers from 14 agriculturally distressed districts of Maharashtra will be decided based on white ration card with 7/12 extract bearing the name of the beneficiary / head of the family or certificate from the nearest Revenue Officer stating that the beneficiary is a farmer or a family member of farmer with valid photo ID proof of the beneficiary.
• Category C: Eligibility of beneficiaries shall be decided on the basis of any identity card / health card or any other identification mechanism as decided by the State Health Assurance Society (SHAS).
• Beneficiaries under Pradhan Mantri Jan Arogya Yojana: Under PMJAY members from families registered under Social, Economic and Caste Census, 2011 (SECC) are eligible for getting benefits in all empaneled hospitals by showing computerized e-cards and photo identity card. Beneficiary of PMJAY from any state having e-card and photo identity proof can avail treatment at any empaneled hospital of any other state. List of valid Photo Id proofs to be accepted along with document of eligible criteria:-
• Aadhaar Card / Aadhaar Registration Slip with photo of the beneficiary. Aadhaar Card would be insisted upon as identification document and in absence of Aadhaar card / number; any document which is accepted for issuance of Aadhaar card will also be accepted.
• Pan Card
• Voter Id
• Driving License
• School/College Id
• Passport
• Freedom Fighter ID card
• Health Card of RGJAY / MJPJAY
• Handicap Certificate
• Nationalized Bank Passbook with Photo
• Senior citizen card issued by Central Government or State Government
• Defense ex-servicemen card issued by Sainik Board
• Marine Fishery Identity card (Issued by Ministry of Agriculture / Fisheries Department Government of Maharashtra)
• Any photo ID proof issued by Government of Maharashtra/ Government of India

Sum Insured in Mahatma Jan Arogya Scheme

• Mahatma Jyotiba Phule Jan Arogya Yojana: 
• The scheme provides coverage for meeting all expenses relating to hospitalization of beneficiary up to ₹ 1,50,000/- per family per policy year. For Renal Transplant this limit has been enhanced up to ₹ 2,50,000 per family per policy year.
• The benefit is available to each and every member of the family on floater basis i.e. the total coverage of ₹ 1.5 lakh or ₹ 2.5 lakh as the case may be, can be availed by one individual or collectively by all members of the family in the policy year.
• Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY):
• Ayushman Bharat PM-JAY provides a health cover of Rs. 5 lakhs per family per policy year for secondary and tertiary care hospitalization in any of empaneled hospitals across the country. The benefit is available to each and every member of the family on floater basis.

Mahatma Jyotiba Phule Jan Arogya Scheme Benefit Coverage

This is a package medical insurance scheme to cover hospitalization for Medical and Surgical procedures through cashless treatment in respect of the following 34 identified specialties. MJPJAY beneficiary gets benefit of 996 Medical and Surgical procedures with 121 follow up procedures and PMJAY beneficiary gets benefit of 1209 Medical and Surgical procedures (Additional 213 Medical and Surgical procedures) with 183 follow up procedures. There are 131 government reserved procedures out of 996 MJPJAY procedures and additional 37 government reserved procedures for PMJAY 1209 procedures.

• Burns
• Cardiology
• Cardiovascular and Thoracic surgery
• Critical Care
• Dermatology
• Endocrinology
• ENT surgery
• General Medicine
• General Surgery
• Haematology
• Infectious diseases
• Interventional Radiology
• Medical Gastroenterology
• MEDICAL ONCOLOGY
• Neonatal and Pediatric Medical Management
• Nephrology
• Neurology
• Neurosurgery
• Obstretrics and Gynecology
• Ophthalmology
• Orthopedics
• Pediatric Surgery
• Pediatric Cancer
• Plastic Surgery
• Polytrauma
• Prosthesis and Orthosis
• Pulmonology
• Radiation Oncology
• Rheumatology
• Surgical Gastroenterology
• Surgical Oncology
• Urology (Genitourinary Surgery)
• Mental disorders
• Oral and Maxillofacial Surgery

1209 packages include bed charges in General ward, Nursing and boarding charges, Surgeons and Anesthetists charges, Medical Practitioner and Consultants fees, Oxygen, O.T. & ICU Charges, Cost of Surgical Appliances, Cost of Drugs, disposables, consumables, implants, Cost of Prosthetic Devices, Cost of Blood Transfusion (Blood to be provided as per policy of State Government), X-Ray and Diagnostic Tests, food to inpatient, one time transport cost by State Transport or second class rail fare (from Hospital to residence of patient only). 

The package covers the entire cost of treatment of patient from date of reporting to his discharge from hospital including complications if any, making the transaction truly cashless to the patient. In instance of death, the carriage of dead body from network hospital to the village/ township would also be part of package.

Health Camp of Mahatma Jyotiba Phule Jan Arogya Yojana

Free Health Camps shall be conducted by Network hospital in Taluka Head Quarters, major Gram Panchayats and Municipalities. At least one free health camp is conducted by each network hospital per month at the place suggested by District Monitoring Committee/ District Coordinator.

Health care Providers for MJPJAY Scheme

• The empaneled Hospitals under the Scheme include both Government and Private hospitals. Government Hospitals include Hospitals from Public Health Department, Medical Education and research department, Hospitals under Municipal Corporation and Municipality.
• Maximum number of Government and Private Hospitals will be 1000.
• Government and Private Hospitals, both multi-specialty and single specialty, can be empanelled as per the requirement and directions of Coordination Empanelment and Disciplinary committee chaired by Chief Executive Officer State Health Assurance Society. For multi-specialty Private hospitals, there is criteria of minimum 30 beds with ICU (with certain relaxations), while for single-specialty specialty hospitals 10 beds and other criteria shall be applicable.

About Mahatma Jyotiba Phule Jan Arogya Scheme - https://www.jeevandayee.gov.in/MJPJAY/RGJAY.jsp

The official website for MJPJAY Scheme is https://www.jeevandayee.gov.in/