Understanding the critical medical treatments covered under Maharashtra's flagship health scheme.
The **Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY)** is a flagship health insurance scheme of the Government of Maharashtra. Its primary goal is to provide cashless, quality medical care to Below Poverty Line (BPL) and Above Poverty Line (APL) families holding specific ration cards (Yellow, Orange). The scheme offers coverage of up to **₹1.5 lakh per family per year** for specified treatments requiring hospitalization.
While the scheme covers over 971 types of therapies and 121 follow-up procedures, many beneficiaries are unaware of the major life-threatening conditions it includes. This article highlights five critical categories of illnesses covered under MJPJAY, providing a financial shield when it's needed most. For detailed information, you can always visit the official MJPJAY portal.
MJPJAY provides extensive coverage for major heart-related ailments. This includes life-saving procedures like Coronary Artery Bypass Grafting (CABG), Angioplasty (PTCA), heart valve replacements, and surgeries for congenital heart defects in children.
The scheme covers various forms of cancer treatment. This includes surgical interventions for tumors, Chemotherapy for different cancers, and Radiation therapy. This financial support is crucial as cancer treatment can be prolonged and extremely expensive.
For patients with kidney failure, MJPJAY offers significant relief. The scheme covers Renal (Kidney) Transplants, for which the financial limit is increased to **₹2.5 lakh**. It also covers maintenance haemodialysis for chronic kidney disease.
Critical procedures related to the brain and spine are included. This covers surgeries for brain tumors, major spine surgeries, treatment for head injuries, and other complex neurological conditions that require surgical intervention.
MJPJAY provides coverage for polytrauma (multiple serious injuries, often from accidents) and treatment for severe burns. This includes emergency care, surgeries, and hospitalization needed for recovery from such critical events.
To avail the scheme's benefits, a family must be an eligible resident of Maharashtra and possess one of the following:
The scheme provides a coverage of up to ₹1.5 lakh per family per year for most major illnesses. For renal (kidney) transplants, the limit is enhanced to ₹2.5 lakh.
No, MJPJAY is primarily a hospitalization scheme. It covers expenses related to surgery, hospital stay, post-hospitalization follow-up for 10 days, and diagnostics. It does not cover routine OPD consultations or standalone pharmacy bills.
You can find the complete list of empanelled network hospitals on the official MJPJAY website (jeevandayee.gov.in). The list is categorized by district for easy access.