Mahatma Jyotirao Phule Jan Arogya Yojana in 2026: Rs 5 Lakh Free Treatment for Every Maharashtra Family, Ayushman Card and Hospitals in Pune
Every Maharashtra family can get up to Rs 5 lakh a year of cashless treatment under MJPJAY. Eligibility, the Ayushman card and Pune hospitals.
Photo: Gauravyawalkar.2012 / CC BY-SA 3.0, via Wikimedia Commons
Under the combined Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) and Ayushman Bharat PM-JAY, every family in Maharashtra is covered for cashless hospital treatment of up to Rs 5 lakh a year at empanelled hospitals. To use it, get an Ayushman card linked to your Aadhaar and ration card, and go to an empanelled hospital, where an Arogya Mitra helps with the paperwork.
Use of the scheme has grown fast. MJPJAY treated about 5.2 lakh beneficiaries in 2025-26, up from about 4 lakh the year before, and PM-JAY beneficiaries in the state roughly doubled to about 2.2 lakh, according to figures reported in April 2026.
Who is eligible?
Since the government resolution of 28 July 2023, the scheme covers all families in Maharashtra, not just low-income households. The integrated scheme with expanded cover started on 1 July 2024. Families are identified through ration card and other government databases; residents with a valid ration card (yellow, orange or white) and Aadhaar can generally get an Ayushman card. Check your name using your Aadhaar or ration card number at a hospital’s Arogya Mitra desk, a Setu centre or through the official Ayushman app.
What is covered
- Up to Rs 5 lakh per family per year, on a family floater basis (one member can use the whole amount)
- Cashless treatment for listed surgeries and therapies across 30-plus specialities, including heart surgery, cancer treatment, kidney care including dialysis and transplants, orthopaedics, neurosurgery, burns and accidents
- Hospital stay, medicines, tests and implants for the listed package
- Follow-up care for some packages
Routine outpatient consultations and treatments not in the package list are not covered. The hospital’s Arogya Mitra can tell you whether your treatment is included before admission.
How to get an Ayushman card
- Carry your Aadhaar card and ration card (and a mobile number linked to Aadhaar).
- Visit an empanelled hospital’s Arogya Mitra desk, a Setu or common service centre, or a special card camp run by PMC or the district administration.
- Your details are verified with Aadhaar e-KYC.
- Once approved, download the card or get a printed copy. You can also check and download it on the official Ayushman app or beneficiary portal using Aadhaar OTP.
PMC and the Pune district administration hold drives to issue Ayushman cards from time to time; watch ward office notices.
Using the scheme in a Pune hospital
- Go to an empanelled hospital. In Pune this includes government hospitals such as Sassoon General Hospital and many private and trust hospitals; ask at the reception or check the list on the official scheme website.
- Meet the Arogya Mitra with your Ayushman card, Aadhaar and ration card.
- The hospital requests pre-authorisation for the package. Treatment is cashless once approved.
- In an emergency, treatment can start first and the paperwork follows; tell the hospital at once that you are covered.
Documents to carry
- Ayushman card (or Aadhaar for verification)
- Ration card
- Doctor’s referral or reports, if any
- Mobile number linked to Aadhaar for OTP
This article is general information, not medical or financial advice. Package lists, hospitals and procedures change; confirm with the hospital’s Arogya Mitra before treatment.
Frequently asked questions
Who is eligible for MJPJAY in Maharashtra?
Since a government resolution in July 2023, all families in Maharashtra are covered, generally identified through ration card and Aadhaar records.
How much cover does MJPJAY give?
Up to Rs 5 lakh per family per year, on a family floater basis, for listed treatments at empanelled hospitals.
How do I get an Ayushman card in Pune?
Visit an empanelled hospital’s Arogya Mitra desk, a Setu or CSC centre, or a PMC card camp with Aadhaar and ration card, or use the official Ayushman app.
Is Sassoon Hospital covered under MJPJAY?
Sassoon General Hospital is a government hospital that treats patients under the scheme. Check with its Arogya Mitra desk for your treatment.
Does MJPJAY cover OPD consultations?
Generally no. It covers listed inpatient packages, surgeries and therapies, not routine outpatient visits.
