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Mahatma Jyotiba Phule Jan Arogya Yojana
Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) is a flagship health insurance scheme of the Government of Maharashtra providing cashless medical services for identified diseases and surgeries.
NOTICE
This service is free. We will never ask for payment. If anyone offers to apply on your behalf for a fee, they are not us.
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Up to ₹₹3,00,000
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Apply on official portalOpens the official portal · We never charge
Official fee
₹0 — completely free
The health insurance cover and all covered surgical procedures are entirely free and cashless for BPL/non-BPL cardholders. Do not pay any hospital desk fees.
Beware of lookalike portals
Verify network hospitals only from the official jeevandayee.gov.in portal. Beware of fake agents charging card activation fees.
Only the "Apply on official portal" button above leads to the verified government site.
Highlights and Media
Key Highlights
Universal Cashless Cover
Provides cashless treatment up to ₹1.5 lakh annually per family for covered procedures.
Kidney Transplant Benefit
Increased spending limit up to ₹3 lakh specifically for renal transplant surgeries.
Medical Treatment Cover Limits
Maximum annual cashless assistance slabs
Who is eligible
- Applicant is a resident of Maharashtra state eligible for public health insurance.
Eligibility rules · v1 · effective 1 January 2020
Who is not eligible
- Mahatma Jyotiba Phule Jan Arogya Yojana is only available to residents of Maharashtra.
How to apply
Visit empanelled hospital
Approach the Aarogyamitra helpdesk at any empanelled government or private network hospital with your Aadhaar and Ration card.
Typical duration · 1 day
Online pre-authorization
The hospital will screen the patient and upload a pre-authorization request to the insurance company.
Typical duration · 1 day
Cashless treatment
Upon approval, cashless surgical or medical treatment is provided, including up to 10 days of post-discharge medicines.
Typical duration · 5 days
Sources
- State Health Assurance Society — Mahatma Jyotiba Phule Jan Arogya YojanaMINISTRY_PORTAL · Fetched 5 July 2026
Additional Details
MJPJAY provides health insurance coverage up to ₹1.5 lakh per family per year (and up to ₹3 lakh for renal transplants) for poor and vulnerable families holding eligible ration cards in Maharashtra. The scheme covers surgeries, therapies, and follow-up medical care at empanelled network hospitals.