Mukhyamantri Ayushman Arogya Yojana: Benefits Guide

Overview

The Mukhyamantri Ayushman Arogya Yojana (MAAY) is Rajasthan's flagship state health scheme, giving qualifying households cashless hospital treatment worth up to ₹25 lakh a year.

Key Features

Coverage Limit: Enrolled families can access up to ₹25 lakh annually, split between ₹5 lakh under insurance mode and ₹20 lakh under trust mode.
Nationwide Access: Since integrating with PM-JAY in December 2025, MAAY beneficiaries can get cashless care at over 30,000 empaneled hospitals across India through outbound portability.
Who Qualifies: NFSA and SECC-listed households, small and marginal farmers, contractual government workers, EWS families, and COVID-19 ex-gratia beneficiaries get free coverage; other Rajasthan residents can join for a nominal yearly premium.
Hospitals: Beneficiaries can look up empaneled hospitals on the official MAAY portal or the Jan Soochna portal.

Healthcare expenses can place a heavy burden on families, especially when serious illnesses require extended treatment. Recognizing this challenge, the Rajasthan government launched the Chiranjeevi Yojana, now renamed the Mukhyamantri Ayushman Arogya Yojana (MAAY), to ensure that households across the state can access hospital care without financial distress. Over time, the scheme has expanded in scope, aligning with national health programs to provide a broader safety net.

In the 2023-24 state budget, the state increased its annual coverage limit to ₹25 lakh per family, making MAAY one of India’s most generous state-funded health protection programs.

In this article, you’ll get a clear understanding of MAAY, including its benefits, eligibility rules, application process, coverage features, and how it compares to private health insurance.

Did You Know?

MAAY has recently expanded its reach nationwide. After integrating with the Centre's Pradhan Mantri Jan Arogya Yojana (PM- JAY) from December 2025, Rajasthan residents can now avail cashless treatment at over 30,000 empaneled hospitals across India. This is made possible through outbound portability, which simply means you can use your MAAY benefits even when you're outside your home state.

Key Features of Mukhyamantri Ayushman Arogya Yojana

High Cashless Cover

MAAY provides up to ₹25 lakh per family per year for inpatient treatment, one of the highest covers offered by any state-run health scheme in India.

No Age or Family Size Limit

Every member of an enrolled family is covered, regardless of age or the number of members. Children below 1 year are also covered, even if their names haven't yet been added to the Jan Aadhaar family card.

Affordable Coverage

Priority groups are enrolled at zero cost, and the Rajasthan government pays the full premium. All other permanent residents of Rajasthan can enroll for just ₹850 per year, which is 50% of the total premium; the state subsidizes the rest.

Linked Accident Cover (MADBY)

Enrolled families receive accident benefits, ₹5 lakh for accidental death (up to ₹10 lakh for multiple deaths) alongside disability payouts including ₹3 lakh for permanent total disability and ₹1.5 lakh for partial permanent disability.

Jan Aadhaar-linked Enrollment

The entire scheme is mapped to your Jan Aadhaar family card. Any member additions, removals, or splits need to be updated on Jan Aadhaar first. MAAY records sync automatically after verification.

Inclusions and Exclusions of Mukhyamantri Ayushman Arogya Yojana

Inclusions	Exclusions
Registration, bed, and nursing expenses	Consumables (gloves, syringes, PPE kits)
Surgeon, anesthesiologist, and OT charges	Outpatient treatments
Medicines, diagnostics, and X-rays	Procedures outside the defined package list
Anesthesia, blood, and oxygen expenses	Treatment at non-empaneled hospitals
Communicable disease protection equipment	Cosmetic or elective procedures
Consultation fees (general medicine)	Room upgrades beyond package limits

Note: MAAY covers over 2,179 medical packages and procedures. The package also covers tests, medicines, and consultations related to the admitted illness: 5 days before hospitalization and 15 days after discharge.

Eligibility Criteria and Application Process for MAAY

Who's Eligible?

All permanent residents of Rajasthan are eligible to enroll. The difference is only whether you qualify for free coverage or pay the nominal premium.

Free Enrollment (Government Pays Full Premium):

Families covered under the National Food Security Act (NFSA).
Socio-Economic Caste Census (SECC) listed families
Small and marginal farmers (SMF)
Contractual workers in state government departments, boards, or corporations
Families belonging to Economically Weaker Sections (EWS)
Beneficiaries of the COVID-19 ex gratia scheme
Senior citizens aged 70 years and above
Any other eligible beneficiary family as per the decision of GoI/GOR

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How to Apply for MAAY?

Online (Self-Registration via Rajasthan SSO):

Go to sso.rajasthan.gov.in and log in or create your account.
Open the MAA-YOJANA service and fetch your family details using Jan Aadhaar.
Enter your Aadhaar number or Aadhaar enrollment receipt. The system will display all family members.
Complete e-KYC by e-signing. One family member must verify using an OTP sent to the Aadhaar-linked mobile number.
Confirm whether you fall under a priority group or the general resident category.
If you are in the paid category, proceed to the payment page and pay ₹850 through UPI or a debit or credit card.
After your payment is successful, download or print your MAAY policy document.

Offline (Via e-Mitra):

Visit any e-Mitra kiosk with your Jan Aadhaar and Aadhaar documents.
The operator completes e-KYC on your behalf.
Collect your enrollment acknowledgement or e-card.

Note: NFSA and SECC 2011 families are auto-enrolled; hence, no separate registration is required.

Documents Required To Apply For MAAY

To enroll under the Mukhyamantri Ayushman Arogya Yojana (MAAY), applicants must submit basic identification and eligibility documents.

Required documents include:

Jan Aadhaar Card (mandatory family ID for enrollment).
Aadhaar Card for e-KYC of the head of family and members more than 5 years of age.
Government ID proof (such as Aadhaar, voter ID, or PAN).
Proof of residence (like ration card or a recent utility bill).
Category-specific documents for priority groups (NFSA ration card, farmer landholding certificate, worker ID, EWS certificate).
Active mobile number for OTP verification and status updates.

Important: Always update your Jan Aadhaar before applying. Outdated family details, incorrect relationships, or a change in the head of the family can delay enrollment.

Finding Empaneled Hospitals - Mukhyamantri Ayushman Arogya Yojana Hospital List

Step 1: Visit maayojana.rajasthan.gov.in or the Jan Soochna portal.

Step 2: Navigate to the hospitals section.

Step 3: Filter by district or city, Jaipur, Jodhpur, Udaipur, Kota, Ajmer, and others are all covered.

MAAY vs. Private Insurance: Is It Enough on Its Own?

MAAY is a strong safety net, especially for priority families who get ₹25 lakh of cashless cover at no cost. It eases the burden of major medical expenses but it comes with real limitations: cashless treatment works only at empaneled hospitals, package rates set a ceiling on what gets paid, and scheme rules are subject to state budget decisions and policy changes, factors entirely outside your control.

A private health plan works independently of government budgets or political shifts. It lets you choose your hospital anywhere in India, set your own sum insured, and build cover that stays with you regardless of which scheme is running in your state.

Treat MAAY as a solid first layer of protection, not your only one. If you want coverage that's flexible, portable, and truly comprehensive, a personal health plan is still worth having alongside it. And if you're comparing options, this guide on the best health insurance plans in India is a good place to start.

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Conclusion

Rajasthan residents have access to one of India's most generous state health schemes, but generous doesn't always mean comprehensive. MAAY gives decent coverage, yet network restrictions, package ceilings, and dependence on state budgets mean there will always be gaps a government scheme simply can't fill.

A private health plan gives you coverage that's truly yours, independent of state budgets, political cycles, or empanelment lists. A smarter approach? Use MAAY as your foundation, and build on top of it with a private plan that fills the gaps.

Note: Ditto has no affiliation with this scheme. Everything here is based on publicly available information and the evaluation standards we use when reviewing insurers. If you’re curious about how we assess claims experience, complaints, financial strength, or product fit, our methodology explains it in detail. This guide is purely informational and not financial or legal advice. For the latest scheme updates, please refer to the official website.

Frequently Asked Questions

Is there a waiting period for pre-existing diseases under MAAY?

No, MAAY does not impose a waiting period for pre-existing conditions. Coverage begins on the date of enrollment, provided the treatment falls within the scheme's listed packages and is availed at an empaneled hospital.

How does cashless treatment actually work at the hospital?

On admission, show your Jan Aadhaar card or MAAY e-card at the hospital's help desk. The hospital verifies your eligibility, processes pre-authorization for the treatment package, and settles the bill directly with the scheme. You pay nothing out of pocket for covered procedures.

Can I use MAAY for outpatient (OPD) consultations?

No, MAAY is primarily designed for inpatient hospitalization. Standalone OPD consultations, unless linked to a covered hospitalization within the 5-day pre and 15-day post-discharge window, are excluded from the scheme's benefits.

How is MAAY different from the Ayushman Bharat (PM-JAY) card?

PM-JAY offers ₹5 lakh cover funded by the central government, while MAAY is Rajasthan's own scheme offering up to ₹25 lakh, funded largely by the state. MAAY beneficiaries now also get PM-JAY's pan-India hospital network through portability.

Do I need to renew my MAAY enrollment every year?

Paid-category families typically need to renew by paying the annual premium each year to keep coverage active. Free-category families (NFSA, SECC, EWS, etc.) continue to receive coverage automatically as long as their Jan Aadhaar details remain updated.

Is maternity or newborn care covered under MAAY?

Yes, maternity-related hospitalization, including delivery and associated complications, is covered under the scheme's package list. Newborns are also covered from birth, even before their names are formally added to the family's Jan Aadhaar card.

What happens to my MAAY cover if I move outside Rajasthan permanently?

MAAY benefits are linked to Rajasthan residency via Jan Aadhaar, so permanently relocating outside the state may affect continued eligibility. However, outbound portability still lets current beneficiaries access treatment at empaneled hospitals nationwide while their Rajasthan residency stays valid.

Last updated on: 31 Aug, 2026