Government Schemes And Free Treatments
Your Right to Health — At No Cost to Eligible Patients
Dr. Bhatia’s Hospital is an empanelled provider under MJPJAY and AB-PMJAY, offering free, high-quality treatments to eligible patients. From advanced surgeries to life-saving care, we ensure world-class medical services without the burden of cost — because everyone deserves the best in healthcare.
Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) & Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
The Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) is a visionary healthcare scheme by the Government of Maharashtra, designed to provide cashless, high-quality medical treatment to the people of the state. First launched in 2012 in eight districts and later expanded statewide in 2013, the scheme initially catered to low-income families but has steadily widened its reach to include more beneficiaries over the years.
In 2018, it was integrated with the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), enabling broader access and increased coverage. Under this integrated model, families could avail insurance cover of ₹1.5 lakh per year for 996 treatments under MJPJAY, and ₹5 lakh per year for 1,209 treatments under AB-PMJAY, ensuring financial protection for a wide range of medical conditions.
From July 1, 2024, MJPJAY has been expanded to cover every family in Maharashtra, offering end-to-end cashless treatment for identified secondary and tertiary illnesses through empanelled hospitals. This fully assurance-based scheme removes the financial barriers to advanced healthcare, making quality treatment a right for every citizen of Maharashtra.
Key Features Of The Integrated Health Schemes
Universal Health Coverage
Every citizen of Maharashtra is entitled to the benefits of this scheme, ensuring no one is left without access to quality healthcare.
Cashless Treatments
Enjoy hassle-free secondary and tertiary medical procedures at any network hospital, without worrying about bills.
₹5 Lakh Family Health Cover
Annual health coverage of ₹5 lakhs on a family floater basis, meaning the benefit can be shared by one or multiple family members as needed.
Wide Range of Specialties
Access advanced medical care and surgeries across 34 specialties requiring hospitalization.
Coverage from Day One
All pre-existing illnesses are covered right from the start, with no waiting period.
Choice of Hospitals
Avail cashless treatment at any government or private network hospital across Maharashtra.
Nationwide Portability
Benefits under the PMJAY component can be used across India, making it truly borderless healthcare.
24×7 Support
A dedicated call centre offers scheme information, guidance, and grievance redressal.
Paperless & Efficient
The scheme is fully digital, managed via a dedicated portal for smooth and transparent operations.
Arogyamitras at Every Hospital
Friendly facilitators are deployed at every network hospital to guide and assist patients at every step.
Emergency Access
In urgent situations, treatment can be availed immediately through a simple phone call or email notification.
Beneficiary Categories For AB-PMJAY & MJPJAY
Eligibility And Document Requirements
Annual Health Coverage:
For Categories A, B, C, and E (excluding Category D), families can enjoy health coverage of up to ₹5 lakhs per year under both schemes, offered on a family floater basis—meaning the entire amount can be used by one member or shared among all family members as needed.
For Category D, beneficiaries are entitled to health coverage of up to ₹1 lakh per person per year, ensuring timely medical support for each individual in need.
Medical Benefits:
For Categories A to E (excluding D) – Enjoy access to 1,356 Health Benefit Packages across 34 medical specialties, covering a wide spectrum of advanced treatments.
For Category D – Special care with 184 Health Benefit Packages dedicated exclusively to road accident patients, ensuring rapid and comprehensive medical attention.
Follow-up Treatment:
Enjoy the advantage of 262 comprehensive Health Benefit Packages under both schemes for Categories A to E, designed to cover a wide range of essential and advanced medical needs.
Treatment Reserved For Govt. Hospitals
Access 119 specialized Health Benefit Packages under both schemes for Categories A to E, ensuring quality care across diverse medical specialties.
Benefits Under Health Packages
The Health Benefit Packages offer truly cashless, end-to-end treatment for patients—from admission to discharge—covering all costs, including any complications. These packages include general ward bed charges, nursing and boarding fees, surgeons’ and anaesthetists’ charges, consultants’ fees, oxygen supply, OT & ICU expenses, surgical appliances, medicines, disposables, implants, prosthetic devices, blood transfusion (as per State Government policy), X-rays, diagnostic tests, and even patient meals.
Additionally, patients receive one-time transport assistance by State Transport or second-class rail fare (from hospital to home). In unfortunate cases of death, the package also covers the transport of the body from the hospital to the patient’s home village/town, ensuring complete dignity and care.
Scheme On Assurance Mode
The Integrated Scheme operates on a full assurance basis, meaning patients never have to worry about hospital bills. All expenses for treatments under the scheme are settled directly by the State Health Assurance Society with the empanelled network hospitals. Under this model, the Society pays up to ₹5 lakh per family per year for beneficiaries in Groups A, B, C, and E, and ₹1 lakh per person per year for road accident victims in Group D—ensuring care is truly cashless and stress-free.
How To Apply For A Free Treatment Under MJPJAY & AB-PMJAY
Getting world-class treatment without worrying about the cost is now simple and hassle-free! Both Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) ensure you receive cashless care at empanelled hospitals. Here’s how you can apply:
How To Apply For A Free Treatment Under MJPJAY & AB-PMJAY
Getting world-class treatment without worrying about the cost is now simple and hassle-free! Both Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) ensure you receive cashless care at empanelled hospitals. Here’s how you can apply:
- Find an Empanelled Hospital – Start by locating a hospital in the scheme’s network.
- Meet the Aarogyamitra – A dedicated guide at the hospital will help you through the process from start to finish.
- Submit Your Documents – Carry your ration card, Aadhaar card, or other valid government IDs for verification.
- Get Diagnosed & Verified - The hospital team will confirm your eligibility and treatment needs.
- Approval & e-Authorisation - Once approved, your treatment will be authorised electronically.
- Enjoy Cashless Treatment - Receive complete treatment without paying a single rupee.
- Follow-up Care - Post-hospitalisation, you can also access follow-up consultations and care as needed.
Whether it’s MJPJAY or AB-PMJAY, the process is fast, transparent, and patient-friendly—ensuring you focus only on recovery, not bills.
