Comprehensive study of Mahatma Jyotiba Phule Jan Arogya Yojana
The other name of Mahatma Jyotiba Phule Jan Arogya Yojana is Rajiv Gandhi Jeevandayee Arogya Yojana which is among the famous health insurance schemes. It is one of the useful health scheme offering benefits to the citizens in Maharashtra. However, the main motive of the scheme launch is to provide free medical facilities for the families belonging to the low-income groups. Let us take a glance at other details of the entitled scheme.
Launch details of the scheme
| Name of the scheme | Mahatma Jyotiba Phule Jan Arogya Yojana |
| Scheme has been launched in | 2nd July 2012 |
| Scheme has been launched by | Government of Maharashtra |
| Date of implementation of scheme | 2nd July, 2012 |
| Scheme has been supervised by | State Health Assurance Society, Government of Maharashtra |
| Target group of scheme | Families belonging to Below Poverty Line and Above Poverty Line |
What are the features of the scheme?
- Premium charges – Medical insurance along with the premium charges will be covered by the state government of Mumbai
- Amount allotment for scheme – Under the scheme, a total of rupees 1.5 lakhs have been insured yearly.
- Target group of the scheme – Citizens of Maharashtra will be offered free health facilities under the above-said scheme. However, both the individual and his or her family can avail of the benefits under the scheme.
- Medical facilities for beneficiaries – The selected beneficiaries can get free medical camp facility for one year.
- Coverage under the scheme – It covers surgeries, diagnosis, medications, and follow-up treatment for the benefits of the citizens of the state.
- Hospitals to serve under the scheme – Government hospitals, private hospitals are included in the scheme benefits. However, the list of elected hospitals will be available at the official website of State Health Assurance Society.
What are the benefits of the scheme?
- Under the scheme, a total of 971 categories of procedures, therapies, and surgeries are included
- A total of 121 types of follow-up process of treatment are included in the scheme that falls under 30 different categories
- Upper limit for renal transplant is a sum of rupees 2, 50, 000 for one operation
- There are 132 government process that will be performed in both medical college and the government empaneled hospitals
Eligibility criteria of scheme
- Residential details – As the scheme has been launched in Maharashtra, only the poor families of the state are eligible for the same. No other candidates can enroll for the same.
- Identification details – The candidates need to furnish suitable identification details at the time of registration for the scheme. Only the legal residents of the state are eligible.
- Annual income – The policy is applicable only for the ones whose annual income is less than rupees 1 lakh annually. However, for the ones with higher annual income are not eligible to get the benefits of the scheme.
- Numbers of family members – When an individual is selected as a beneficiary under the scheme, his or her family can also get the scheme benefits as per policy coverage rules.
- Age limit – There are no such upper limits that have been decided for applying under the scheme and get the benefits.
Documents required for the scheme
- Residential proof – The candidates should produce documents to support their claims that they are the permanent residents of the state.
- Identification details – Valid ration card along with KYC photo and identification proof should be produced at the time of registration under the scheme. One should furnish a single photograph of a child, or with parents, in case they are born after the issuing of the health cards under the scheme. Also, birth certificates are important and it should be authorized by officers.
- Income certificate – The candidates need to produce annual income certificate to justify their claim that they are eligible to get the scheme benefits.
Claim procedure of the scheme
After the candidates fulfill the eligibility criteria, they can opt for treatment under the selected hospitals. Soon after the authorization of the health cards, patients can get the treatment. If the patients have started the treatment in a hospital that is not empanelled under the scheme, cards will be given to the patients as a result they can continue to get the treatment from the empanelled network of health centers. However, after the patient gets the cashless medical facilities, the details of medical reports and bills will be submitted to the insurer of the health scheme coverage. Before the claim settlement, it is the duty of the insurer to check the details and other information carefully. Previously, it was only 496 hospitals under the scheme and it has been now increased to over 1000 hospitals that will offer the benefits.
Therefore, health minister is responsible for the successful implementation of scheme that can help improve the medical condition in the state. The low-income families can reach out to avail of the medical facilities under the cashless scheme offered. This makes Maharashtra as the first state to offer free medical facilities to the poor families. Health Minister Rajesh Tope has taken effective measures to offer benefits to the citizens. However, the treatment would also be extended for COVID-19 patients.