Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) & Ayushman Bharat Integration

Plain-Language Summary

The flagship integrated health assurance arrangement in Maharashtra providing completely cashless inpatient treatment up to ₹5 Lakhs per family per year across empaneled network hospitals.

Documented Benefits

• •Annual cashless hospitalization cover up to ₹5,00,000 per family per year on a family floater pool.
• •Covers 2,399 medical and surgical procedures across 38 specialist services (under the Nov 4, 2025 Government Order; rollout phased across empaneled hospitals).
• •223 specialized procedures reserved exclusively for government hospitals to strengthen public infrastructure.
• •Pre-existing illnesses covered from Day One without waiting periods.
• •Includes bed charges, nursing, surgical interventions, medicines, and consumables during hospital admission.

Eligibility & Required Identity Proofs

• •Permanent resident family of Maharashtra.
• •Valid Yellow, Orange, or White Ration Card issued by the Food & Civil Supplies Department of Maharashtra.
• •OR active co-branded Ayushman Bharat / MJPJAY beneficiary card.
• •Government photo ID proof (Aadhaar Card, Voter ID Card, or driving license).

Important Limitations & Exclusions

• •Benefits are strictly non-additive: Holding both MJPJAY and PM-JAY cards does not yield ₹10 Lakhs. The ceiling is strictly ₹5 Lakhs per family per year.
• •Standalone outpatient (OPD) consultations and medications without hospital admission are excluded.
• •Cosmetic procedures and non-emergency treatments in un-empaneled private hospitals.

How to Access / Apply

1. 1Locate any empaneled government or private network hospital via jeevandayee.gov.in.
2. 2Approach the dedicated 24/7 'Arogyamitra' helpdesk located at the entrance of the empaneled hospital.
3. 3Present your Ration Card and Aadhaar Card for biometric authentication and electronic pre-authorization.
4. 4Receive completely cashless medical care without paying advance deposits.