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Moneylife » Personal Finance » Insurance » Rajiv Gandhi Jeevandayee Arogya Yojana: What you need to know

Rajiv Gandhi Jeevandayee Arogya Yojana: What you need to know

Raj Pradhan | 22/12/2012 12:05 PM | 

Jeevandayee scheme offered by the Maharashtra government is a good health insurance option for families earning less than Rs1 lakh per year. The premium is paid by the state government for insurance cover up to Rs1.5 lakh. Find out the details of the scheme

The Maharashtra government has launched Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) in order to improve medical access facility for both Below Poverty Line (BPL-Yellow ration card holders) and Above Poverty Line (APL-Orange card ration holders) families. RGJAY would be implemented throughout the state of Maharashtra in phased manner for a period of three years.


Launched in July 2012, RGJAY was introduced in eight of the state’s 35 districts on a pilot basis. Currently, the insurance coverage under the RGJAY is offered for the 49 lakhs eligible beneficiary families in eight districts: Gadchiroli, Amravati, Nanded, Sholapur, Dhule, Raigad, Mumbai and its suburbs. It aims to eventually reach eight crore people. The premium of Rs333 per family per year is borne by the state government.


Highlights of the scheme:


  • Rashtriya Swasthya Bima Yojana (RSBY), a government-run health insurance scheme for the Indian poor covers only up to Rs30,000. On the other hand, RGJDAY from Maharashtra state government gives free health insurance up to Rs1.5 lakh


  • The benefit shall be available to each and every member of the family on a  floater basis i.e. the total annual coverage up to Rs1.5 lakh can be availed by one individual or collectively by all members of the family


  • It covers families earning less than Rs1 lakh a year. An individual needs to have a yellow or orange ration card in order to take advantage of this scheme


  • The hospitals on the panel offer cashless service. There will be no deposit to be given by the beneficiary. No payment to be made even if the hospital charge is more for the procedure. There is no Pre-existing Disease (PED) waiting period. There will be no other exclusions


  • Private hospitals on the panel include well-known Mumbai hospitals like Asian Heart and Research Centre, RN Cooper, SevenHills Healthcare, Tata Memorial Hospital and Research Centre and so on


  • The scheme would provide 972 surgeries/therapies/procedures along with 121 follow up packages in 30 identified specialized categories like ENT surgery, plastic surgery, burns, infectious diseases, neurology, cardiology, gastroenterology, critical care, etc. The network hospitals will provide free follow-up consultation, diagnostics, and medicines under the scheme, up to 10 days from the date of discharge


  • The scheme also covers kidney transplants free of cost by producing the health card. In case of renal transplant surgery, the immunosuppressive therapy is required for a period of one year. The upper ceiling for renal transplant would be Rs2.5 lakh per operation as an exceptional package exclusively for this procedure


  • The insurance company shall ensure that at least one free medical camp is conducted by each network hospital per week at the place suggested by RGJAY society


In the next article we will cover the progress and hurdles faced by the RGJAY scheme


To read more articles by Raj Pradhan, please click here.

Post Comment


margaret crasto

margaret crasto 1 month ago

pls help me to get my name registered or let me know how to get this rajiv ghandhi health card
send email to or send sms on mob 98 33 888 673 appreciate many thanks

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Priya 1 month ago

in mumbai where is the help desk? for rajiv Gandhi yojana?

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shakeel kazi

shakeel kazi 3 months ago

pls tell me can i get my hip replacement surgery in this scheme.pls also suggest hospital near andhei east operating same


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Rajesh Mishra

Rajesh Mishra 4 months ago

there should be a sms alert of every yogna on public mobile an online.

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minesh 1 year ago

can anyone pls help me -where to get necessary forms etc for this? or whom to approach for the same?

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