Healthcare expenses can place a significant financial burden on families, especially those who are not covered under any health insurance scheme. To ensure that economically weaker and uncovered families receive quality medical treatment without financial hardship, the Government of Uttar Pradesh introduced the Mukhyamantri Jan Arogya Yojana (MJAY).
The scheme provides cashless health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary hospitalization. It complements the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) by extending health coverage to eligible families who are not covered under PM-JAY. Eligible beneficiaries can receive treatment at empanelled government and private hospitals across the state and country.
If you are looking for complete information about Mukhyamantri Jan Arogya Yojana 2026, including eligibility, benefits, required documents, Ayushman card registration, hospital list, and application process, this guide covers everything you need to know.
What is Mukhyamantri Jan Arogya Yojana?
Mukhyamantri Jan Arogya Yojana (MJAY) is a state-funded health insurance scheme implemented by the Government of Uttar Pradesh to provide financial protection against major medical expenses. The scheme primarily benefits families that are not covered under Ayushman Bharat but fall within the eligibility criteria specified by the state government.
Under the scheme, eligible beneficiaries receive cashless treatment up to ₹5 lakh annually at empanelled hospitals for a wide range of medical procedures and hospitalization services. The objective is to ensure that no eligible family is deprived of quality healthcare because of financial constraints.
Objectives of Mukhyamantri Jan Arogya Yojana
The scheme has been introduced with several important objectives:
- Provide free quality healthcare to eligible families.
- Reduce out-of-pocket medical expenses.
- Ensure cashless treatment for serious illnesses.
- Extend health insurance coverage to families not covered under PM-JAY.
- Improve access to government and private hospitals.
- Strengthen healthcare infrastructure in Uttar Pradesh.
- Protect poor and vulnerable families from financial hardship caused by hospitalization.
- Promote universal health coverage.
Mukhyamantri Jan Arogya Yojana 2026 Highlights
| Particular | Details |
|---|---|
| Scheme Name | Mukhyamantri Jan Arogya Yojana (MJAY) |
| State | Uttar Pradesh |
| Implementing Authority | State Health Agency, Uttar Pradesh |
| Benefit | Cashless Medical Treatment |
| Health Cover | Up to ₹5 Lakh per Family per Year |
| Treatment | Government & Empanelled Private Hospitals |
| Application Mode | Online / Authorized Centres |
| Card | Ayushman Card |
Benefits of Mukhyamantri Jan Arogya Yojana
The scheme offers several healthcare benefits to eligible beneficiaries.
Cashless Treatment up to ₹5 Lakh
Each eligible family receives health insurance coverage of up to ₹5 lakh annually for hospitalization and approved medical procedures.
Treatment at Empanelled Hospitals
Beneficiaries can receive treatment at thousands of empanelled government and private hospitals under the scheme.
No Cash Payment During Hospitalization
Eligible patients do not have to pay for approved treatments covered under the scheme. The hospital directly settles the claim through the health insurance system.
Coverage for Serious Diseases
The scheme covers numerous medical and surgical procedures, including treatment for:
- Heart diseases
- Kidney disorders
- Cancer
- Orthopedic surgeries
- Neurosurgery
- General surgery
- Urology
- Gynecology
- Pediatric care
- Critical care and many other approved procedures.
Financial Protection
Families can avoid catastrophic medical expenses that might otherwise force them into debt.
Access to Quality Healthcare
The scheme improves access to quality healthcare services in both public and empanelled private hospitals.
Who Can Apply?
Mukhyamantri Jan Arogya Yojana is generally intended for eligible residents of Uttar Pradesh who are not covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) but qualify under the state government’s notified eligibility criteria. The exact beneficiary categories are determined by the State Health Agency from time to time.
Eligibility Criteria
Applicants should generally satisfy the following conditions:
- Must be a resident of Uttar Pradesh.
- Must belong to an eligible beneficiary category notified by the State Government.
- Should possess valid identity documents.
- Family details should be available for verification.
- Must satisfy the conditions prescribed by the State Health Agency.
Eligibility rules may be updated periodically through government notifications.
Diseases and Treatments Covered
The scheme covers a wide range of medical procedures, including:
- Cardiology
- Oncology (Cancer Treatment)
- Nephrology
- Dialysis
- Orthopedic Surgery
- Neurosurgery
- Plastic Surgery
- ENT Procedures
- Eye Surgery
- General Surgery
- Urology
- Obstetrics & Gynecology
- Pediatric Surgery
- Trauma Care
- Intensive Care Services
The final list of covered procedures depends on the approved treatment packages under the scheme.
Documents Required
Applicants should generally keep the following documents ready:
- Aadhaar Card
- Residence Certificate
- Ration Card (if applicable)
- Mobile Number
- Family ID (if applicable)
- Passport-size Photograph
- Income Certificate (if required)
- Bank Account Details
- Any additional documents requested during verification
How to Apply for Mukhyamantri Jan Arogya Yojana 2026
Eligible beneficiaries can complete registration through the official Ayushman platform or authorized registration centres.
Step 1
Check your eligibility using the official beneficiary portal.
Step 2
Visit the nearest Common Service Centre (CSC), empanelled hospital, or authorized registration centre if required.
Step 3
Submit Aadhaar and other required documents.
Step 4
Complete biometric or identity verification.
Step 5
Your details will be verified by the concerned authorities.
Step 6
After successful verification, an Ayushman Card will be generated for eligible beneficiaries.
Step 7
Use the Ayushman Card to avail cashless treatment at empanelled hospitals.
How to Download Ayushman Card
Eligible beneficiaries can generally download their Ayushman Card by:
- Visiting the official beneficiary portal.
- Logging in using the required credentials.
- Verifying identity through OTP or Aadhaar authentication.
- Downloading the digital Ayushman Card.
How to Find Empanelled Hospitals
Beneficiaries can receive treatment only at hospitals empanelled under the scheme.
To check the hospital list:
- Visit the official Ayushman Bharat portal.
- Search hospitals by state, district, specialty, or hospital name.
- Choose the nearest empanelled government or private hospital.
Important Features of the Scheme
Some key features include:
- ₹5 lakh annual health insurance.
- Cashless hospitalization.
- Treatment at government and private hospitals.
- No premium payment by eligible beneficiaries.
- Digital Ayushman Card.
- Large number of approved treatment packages.
- Paperless claim settlement.
- State-funded support for eligible families not covered under PM-JAY.
Common Reasons for Application Rejection
Applications may be rejected because of:
- Incorrect Aadhaar details.
- Identity mismatch.
- Incomplete documents.
- Non-eligibility under the scheme.
- Duplicate registration.
- Incorrect family information.
Tips for Successful Registration
To ensure successful registration:
- Keep Aadhaar details updated.
- Use the correct mobile number.
- Carry original identity documents.
- Verify family details before submission.
- Visit only authorized registration centres.
- Download and safely keep your Ayushman Card after approval.
Frequently Asked Questions (FAQs)
What is Mukhyamantri Jan Arogya Yojana?
Mukhyamantri Jan Arogya Yojana is a health insurance scheme of the Uttar Pradesh Government that provides cashless treatment up to ₹5 lakh per family per year to eligible beneficiaries not covered under PM-JAY.
How much health insurance is provided?
Eligible families receive health coverage of up to ₹5 lakh annually for approved hospitalization and treatment.
Who can apply?
Eligible residents of Uttar Pradesh who fall under the beneficiary categories notified by the State Government and are not covered under PM-JAY may be covered under this scheme.
Is treatment cashless?
Yes. Eligible beneficiaries receive cashless treatment at empanelled hospitals for covered procedures.
Can treatment be taken in private hospitals?
Yes. Cashless treatment is available at empanelled private as well as government hospitals.
Is the Ayushman Card required?
Yes. Eligible beneficiaries generally need an Ayushman Card or verified beneficiary status to avail cashless treatment.
How can I check whether I am eligible?
You can check your eligibility through the official Ayushman beneficiary portal or by visiting an authorized registration centre.
Does the scheme cover all diseases?
No. The scheme covers a predefined list of medical procedures and hospitalization packages approved under the program.
Conclusion
The Mukhyamantri Jan Arogya Yojana 2026 is an important healthcare initiative by the Government of Uttar Pradesh that ensures eligible families receive quality medical treatment without worrying about high hospital expenses. By providing cashless treatment up to ₹5 lakh per family, the scheme strengthens healthcare access and financial security for vulnerable households. Eligible residents should verify their beneficiary status, obtain an Ayushman Card, and use empanelled hospitals to take full advantage of the scheme.
