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How to Complete MJPJAY Registration Online Easily

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Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) is a flagship programme of the Maharashtra government. Launched on 2nd July 2012, the scheme aims to provide medical coverage to households in Maharashtra through cashless healthcare facilities at both government and private hospitals. Initially operational in just 8 districts of Maharashtra, the scheme extended to 28 districts within a year of its launch.

This guide will discuss the steps for MJPJAY registration and highlight its key features, eligibility criteria, required documentation, and the claim process.

Key Features of Mahatma Jyotiba Phule Jan Arogya Yojana

• The MJPJAY scheme provides medical coverage of up to INR 1.5 lakhs per annum for each registered family. The insured amount is offered on a floater basis, meaning it can either be utilised entirely by a single member or shared proportionally among family members.

• The maximum health insurance coverage limit for renal treatment is INR 2.5 lakhs per family in a policy year.

• The scheme covers expenses related to diagnostic tests, pharmacy bills, consultation charges, and surgeries.

• The MJPJAY scheme includes coverage for 971 medical procedures, of which 131 are exclusively performed in government hospitals.

• The scheme does not impose a waiting period for pre-existing diseases. That means if you have conditions like diabetes or heart ailments before enrolling in this yojana, you will receive coverage for these diseases from the very first day of successful registration.

Eligibility Criteria for Mahatma Jyotiba Phule Jan Arogya Yojana

You can apply for this scheme if you satisfy any of the following criteria:

• Your family must be residents of Maharashtra.

• Your family income must not exceed INR 1 lakh.

• You must hold an Orange, Yellow, or White Ration Card. In case you do not have one, an Antyodaya Anna Yojana Card or an Annapurna Card will suffice.

• The coverage also applies to farmers engaged in cultivating land in Maharashtra and facing crises due to natural calamities.

Documents Required for Mahatma Jyotiba Phule Jan Arogya Yojana Registration

You need to furnish the following documents to apply for the MJPJAY scheme.

• Voter ID, PAN Card, passbook from a nationalised bank with your photograph on it, or Aadhaar Card

• College or school ID or driving licence

• Handicap certificate

• Passport

• Government-issued photo identity proof

• Senior citizen card

• Photograph with a tehsildar stamp on it

• Freedom Fighter ID card

If you are applying for your newborn child without photo identity proof, you, as a parent, need to submit your child’s birth certificate and a photograph. Additionally, you will need to provide a ration card to establish your relationship with the child.

Guide for MJPJAY Registration Online

For Mahatma Jyotiba Phule Jan Arogya Yojana's new registration, you can follow the steps outlined below —

• Step 1:

Access the official website of Mahatma Jyotiba Phule Jan Arogya Yojana.

• Step 2:

On the homepage, tap the “New Registration” option.

• Step 3:

Your screen will display the registration form. Fill in all the mandatory information, such as your name, gender, birth date, and contact details.

• Step 4:

Upload the scanned copies of the documents outlined above.

• Step 5:

Select the relevant beneficiary category under which you are registering. You can choose from Above Poverty Line (APL), Below Poverty Line (BPL), and other eligible groups.

• Step 6:

Pick the empanelled hospital where you want to receive the benefits. You can browse the list of network hospitals on the website.

• Step 7:

Review all the furnished details and tap on the “Submit” button to complete the registration process.

• Step 8:

An acknowledgement with your registration number will be provided after submission. Keep it handy.

• Step 9:

After verification, you will receive the MJPJAY Card either at your address or from a collection centre.

Guide to Raising Claim for the MJPJAY Scheme

Consider the following steps to raise the family health insurance claim under the MJPJAY Scheme —

• Step 1:

Visit the network hospital and furnish your MJPJAY Card at the relevant desk.

• Step 2:

The hospital forwards a pre-approval request to the insurer or the State Health Assurance Society with treatment details and estimated expenses.

• Step 3:

The insurance company evaluates the request and sends an approval or rejection to the hospital within 24 hours.

• Step 4:

Upon receiving approval, the hospital starts the treatment procedure and files the final reimbursement claim later.

• Step 5:

After validating the submitted documents, the insurance provider settles the claim with the hospital.

You can also receive free medical facilities for up to 10 days after your discharge from the hospital.

Note: If you face any concerns or disputes about your claim, reach out to the MJPJAY helpline or visit their website for assistance.

Conclusion

Although the MJPJAY scheme provides financial relief during a medical crisis, the cap on the sum insured might not be sufficient if you or a family member is dealing with a chronic illness requiring prolonged hospitalisation. Purchasing a standard healthcare plan and supplementing it with a critical illness insurance add-on is recommended. Also, if you want to cover your parents under a comprehensive health insurance policy, consider investing in senior citizen health insurance plans specifically designed to meet the healthcare needs of the elderly.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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