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How to Apply for Mahatma Phule Jan Arogya Yojana (MJPJAY) 2026

MJPJAY - Maharashtra free health insurance ₹5 lakh per family for 1356 surgeries/treatments.

📁 StateSchemes ⏱️ 15-20 mins 💰 Free

About This Guide

Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) - Maharashtra govt health insurance providing ₹5 lakh annual cover per family. Covers 1356 procedures across 34 specialties. Cashless at 1000+ empanelled hospitals. Now integrated with Ayushman Bharat for combined ₹5L cover.

Eligibility Criteria

Maharashtra resident
Yellow ration card (BPL)
Orange ration card (above poverty but vulnerable)
SECC 2011 listed
White ration card NOT eligible

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Aadhaar
Ration card (yellow/orange)
MH domicile
Bank account
Photo
SECC listing if applicable

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Visit Portal

jeevandayee.gov.in.

Check Eligibility

Enter ration card to check.

Find Empanelled Hospital

List of 1000+ hospitals at portal.

Visit Hospital

Show ration card + Aadhaar at MJPJAY Mitra desk.

Generate Card

Hospital Mitra creates card free.

Treatment Approved

Online approval in 1-2 days for surgeries.

Cashless Treatment

No payment needed. ₹5 lakh annual coverage.

Discharge

Hospital settles directly with govt.

Key Benefits

₹5 lakh per family/year
1356 procedures covered
Cashless at 1000+ hospitals
34 medical specialties
Integrated with Ayushman Bharat
Maharashtra-wide coverage
Free for poor families

What Happens After Application?

Card issued same day at MJPJAY Mitra desk. Use for any covered procedure. Annual coverage refreshes. Combined with Ayushman = ₹5L.

Frequently Asked Questions

White ration card?

Above poverty, NOT eligible for MJPJAY. Try other insurance.

Treatment outside MH?

No, MJPJAY only at MH empanelled hospitals.