Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)
Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) — formerly known as Rajiv Gandhi Jeevandayee Arogya Yojana — is the flagship health insurance scheme of the Government of Maharashtra.
At Indira Gandhi Government Medical College & Hospital (IGGMCH / Mayo Hospital), MJPJAY plays a central role in ensuring that low-income and vulnerable patients receive completely cashless tertiary medical and surgical care.
Key Benefits & Coverage
The scheme provides financial protection and cashless healthcare services for eligible beneficiaries.
Financial Cover
Up to ₹5 Lakh per family per year on a floater basis, upgraded from the previous ₹1.5 Lakh limit.
Cashless Care
Covers surgeries, therapies, hospitalization expenses, diagnostics, medicines, nursing care, and post-discharge consultations for designated procedures.
Specialties Covered
Includes over 1,000 procedures across major medical and surgical specialties.
- General Surgery & Laparoscopy
- Orthopedics & Joint Replacements
- Obstetrics & Gynecology
- ENT, Ophthalmology, & Pediatric Surgery
- Dialysis & Nephrology
- Critical Care & ICUs
Eligibility & Required Documents
All valid ration card holders residing in Maharashtra are eligible. To register under MJPJAY at IGGMCH, present any of the following documents.
| Document Category | Accepted Proofs |
|---|---|
| Ration Card | Yellow, Orange, or Antyodaya Anna Yojana (AAY) Ration Card |
| Identity Proof | Aadhaar Card, Voter ID, Driving License, or Passport |
| State Health Card | Universal Health Card / Ayushman Card (MJPJAY is co-branded with Ayushman Bharat PM-JAY) |
How to Access MJPJAY at IGGMCH (Mayo Hospital)
Follow these steps to access cashless treatment under the MJPJAY scheme.
Visit the MJPJAY Helpdesk (Arogyamitra)
Go directly to the dedicated MJPJAY / Arogyamitra Counter located near the main registration area or the Casualty block at IGGMCH.
Document Verification
Submit your Aadhaar Card and Ration Card to the Arogyamitra representative for online verification and identity matching on the state portal.
Doctor Evaluation & Pre-Authorization
The treating doctor at IGGMCH diagnoses the illness or surgical condition and submits an online Pre-Authorization request for the required medical procedure under the applicable scheme code.
Cashless Treatment & Admission
Once pre-authorization is approved — usually within hours or instantly for emergencies — admission, surgeries, implants, ICU stay, and medications are provided at zero cost under the applicable scheme coverage.