Mahatma Jyotiba Phule Jan Arogya Yojana

• Enjoy options to cover yourself, your spouse, kids and even your parents
• Enjoy access to 10,000+ hospitals for cashless treatment
• Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

State governments all over the country have incorporated multiple schemes to protect the livelihoods of poor families. Mahatma Jyotiba Phule Jan Arogya Yojana is one such health insurance cover established by the Government of Maharashtra. This policy was originally introduced as Rajiv Gandhi Jeevandayee Arogya Yojana, and it was renamed by the Government on April 1, 2017. This cover focuses on providing quality medical insurance access at an affordable price to below poverty line (yellow ration card) and marginally above poverty line (orange ration card) policyholders. This is also a surgicare cover that offers protection against various surgical procedures.

Eligibility for Mahatma Jyotiba Phule Jan Arogya Yojana

The following eligibility criteria applies to people who wish to enroll themselves in Mahatma Jyotiba Phule Jan Arogya Yojana.

• This policy offers coverage for people who earn less than Rs.1 lakh per year.
• Families of main members can be enrolled in this policy cover.
• There is no upper age limit for enrolling in this policy.

Features of Mahatma Jyotiba Phule Jan Arogya Yojana

Some of the key features of Mahatma Jyotiba Phule Jan Arogya Yojana can be listed as follows:

• The premium charges for this medical insurance cover is paid by the state government.
• Policyholders can enjoy health insurance benefits up to the sum insured limit of Rs.1.5 lakh per year.
• The insurance benefit available under this cover can be enjoyed by one individual or by a whole family on a floater basis.
• Health insurance benefits are provided to policyholders in the form of cashless treatment, and there is no deposit required for availing medical treatment.
• There is no waiting period for any pre-existing diseases.
• This policy provides coverage for surgeries, follow-up treatment, diagnosis, and medications.
• Network hospitals are listed in the official website of this scheme. In addition to the government facilities, there are many private hospitals included in the list of network hospitals.
• People who wish to enroll in this cover can visit a nearby network hospital and file for an application.

• Beneficiaries also have access to one free medical camp per year.

Benefits of Mahatma Jyotiba Phule Jan Arogya Yojana

Exclusions of Mahatma Jyotiba Phule Jan Arogya Yojana

There are no outright exclusions provided under this scheme. All reasonable medical conditions can be treated under this policy. There are some conditions set forth for availing treatments of certain kinds. For instance, conditions like hernia and appendicitis will not be covered by this policy unless it is an emergency.

Claim Procedure

The claim procedure for this policy starts with the diagnosis of the condition. If the diagnosis is made in a network hospital, treatment for the procedure will begin immediately after getting the pre-authorisation. However, if the diagnosis is made in a hospital that is not a network facility, a referral card will be given for commencing the treatment in a nearby network hospital. Network hospitals can now obtain E-preauthorisation from the insurer by filing a request online.

Once the pre-authorisation is obtained from the insurer, the network hospital will begin the treatment. Upon completion of the cashless treatment and surgery, the network hospital will send all the relevant documents including diagnostic reports, medical bills, and discharge summary to the insurer. The insurer will verify all the documents and provide approval for the claim settlement to the network facility. After the surgery, the network hospital will provide follow-up consultation, diagnosis, and medicines free of charge for a period of 10 days.