Mukhyamantri Ayushman Arogya Yojana (MAAY) —
₹25 Lakh Ka Cashless Ilaaj 2026, Rajasthan Ke Har Ghar Ke Liye
Ghar mein koi beemar pade toh paison ki fikr chhodo — Mukhyamantri Ayushman Arogya Yojana scheme mein registered families ka hospital mein ek bhi rupaya nahi lagta. Eligibility verify hone aur approval ke baad cashless ilaaj milta hai. BPL families ke liye bilkul free, baaki sabke liye sirf ₹850 saal bhar mein.
📌 Table of Contents
Rajasthan mein ek sach yeh hai ki jab ghar mein koi beemar padta hai aur doctor operation bolta hai, toh pehli fikr paison ki hoti hai — ilaaj ki nahi. Zamin bechni padti hai, karz uthana padta hai. Yahi wajah hai ki Rajasthan sarkar ne Mukhyamantri Ayushman Arogya Yojana (MAAY) banayi — taaki koi bhi parivaar sirf paison ki wajah se ilaaj se mahroom na rahe.
Iss article mein Mukhyamantri Ayushman Arogya Yojana ke baare mein sab kuch milega — kya hai, kaun eligible hai, kaise register karo, hospital mein kaise use karo. Seedha, sach, aur bilkul simple Hinglish mein.
MAAY Kya Hai? Seedha Samajhte Hain
Mukhyamantri Ayushman Arogya Yojana (MAAY) Rajasthan sarkar ki state-funded health insurance scheme hai. Registered families ko Rajasthan ke empanelled government aur private hospitals mein ₹25 lakh tak ka cashless ilaaj milta hai — ek financial year mein. Approved package ke andar aane wale treatment, tests aur hospitalization expenses cover hote hain.
Yeh scheme pehle Mukhyamantri Chiranjeevi Swasthya Bima Yojana ke naam se 1 May 2021 ko launch hui thi. 2024 mein government change hone ke baad Rajasthan State Health Assurance Agency (RSHAA) ne 19 February 2024 ko naam badal ke MAAY kar diya. Scheme aur benefits wahin ke waheen hain — naam hi badla hai.
Mukhyamantri Ayushman Arogya Yojana Ke Fayde — Kya-Kya Milta Hai?
Sirf naam ki nahi, andar se bhi kafi solid scheme hai. Dekhte hain kya milta hai:
Saal Ka Health Cover
Cancer, heart surgery, kidney transplant, organ failure — sab ek saal mein cover. Hospital bill seedha sarkar ko.
Accident Insurance (MADBY)
Mukhyamantri Ayushman Arogya Yojana ke saath linked Mukhyamantri Ayushman Durghatna Beema Yojana milti hai — accidental death par ₹5 lakh (ek member), do ya zyada mein ₹10 lakh tak. Disability par ₹1.5–3 lakh.
Medical Procedures
Dialysis, chemotherapy, robotic surgery, maternity, COVID — 1,798 se zyada approved packages.
Family Size — Koi Limit Nahi
2 members hon ya 12 — koi size ya age restriction nahi. Poori family ek coverage ke andar.
Pre & Post Hospital Cover
Admit hone se 5 din pehle aur discharge ke 15 din baad tak ke tests aur medicines bhi scheme mein cover hote hain.
Jeb Se Kuch Nahi
100% cashless. Jan Aadhaar dikhao — hospital request dalta hai, approval milti hai, ilaaj shuru. Koi cash counter nahi.
MAAY ke under empanelled hospital mein jaao — Jan Aadhaar dikhao, ilaaj shuru. Koi bill, koi tension nahi.
Kaun Apply Kar Sakta Hai? — MAAY Eligibility
MAAY mein eligibility do categories mein hai. Free mein milti hai toh lo, nahi milti toh ₹850 mein lo — private insurance se kahin sasta.
Inhe Kuch Nahi Dena
- BPL families (SECC 2011 registered)
- NFSA card holders
- Chhote aur marginal kisan
- State govt ke contractual workers
- EWS families
- Ayushman Bharat MMRSBY beneficiaries
Sirf 850 Rupaye Mein
- Koi bhi permanent Rajasthan resident
- Jo free category mein nahi aata
- ₹850/saal — baaki sarkar bharta hai
- Jan Aadhaar Card mandatory
- Kisi bhi private plan se kaafi sasta
- Coverage policy rules ke hisaab se applicable hogi
Good news: 1 saal se kam umra ke bacche automatically cover hote hain — bhale Jan Aadhaar mein naam na ho.
MAAY Registration Kaise Kare? — Step-by-Step
Koi mushkil nahi — ghar baithe online ya e-Mitra se offline, dono options hain. Pehli baar karo toh 10-15 minute mein ho jaata hai.
🖥️ Online Registration — Ghar Baithe
SSO Portal Par Jao
sso.rajasthan.gov.in kholkar login karo. Account nahi hai toh “Register Here” se mobile ya Jan Aadhaar se bana lo — 2 minute ka kaam hai.
MAA Yojana App Dhundo
Dashboard mein search karo “MAA Yojana” ya “Mukhyamantri Ayushman Arogya Yojana” — app milegi, open karo.
Jan Aadhaar Se Family Verify Karo
Jan Aadhaar number enter karo — system family ke members fetch kar lega. e-KYC ke liye Aadhaar linked mobile par OTP aayega.
Category Confirm Karo
Free category mein aate ho toh kuch nahi bharna. Paid mein aate ho toh UPI ya debit card se ₹850 payment karo.
Policy Document Download Karo
Submit hone ke baad MAAY e-Card ya policy document download hoga — print karo ya phone mein rakh lo, hospital mein yahi kaam aayega.
Smartphone nahi hai? Koi baat nahi — nazdiki e-Mitra Kiosk par jao, operator poori registration karwa dega.
🏢 Offline Registration — e-Mitra Kiosk Se
Agar online karna mushkil lage toh nazdiki e-Mitra Kiosk par chale jao. Operator Jan Aadhaar aur Aadhaar se tumhara e-KYC complete kar dega. Wahan se enrollment acknowledgement ya e-Card milega — kaam khatam.
📄 Kaun Se Documents Chahiye?
- 🪪Jan Aadhaar Card — mandatory, iske bina registration possible hi nahi
- 🪪Aadhaar Card — e-KYC ke liye OTP aayega Aadhaar linked mobile par
- 📄BPL / Income Certificate — sirf free category ke liye, agar applicable ho
- 📋Ration Card — helpful for verification
- 📱Aadhaar Linked Mobile Number — OTP ke liye active hona chahiye
Jan Aadhaar Card — MAAY mein register karne ke liye sabse pehli aur zaroori cheez. Iske bina kuch nahi hoga.
Hospital Mein Cashless Ilaaj Kaise Milega?
Agar kabhi zaroorat padi toh sirf yeh steps follow karo — process genuinely simple hai:
Check Karo — Hospital Empanelled Hai?
maayojana.rajasthan.gov.in par jaake apne district ka hospital list check karo. Emergency mein kisi bhi empanelled hospital mein jaa sakte ho.
MAAY Help Desk Par Jao
Hospital mein “Ayushman Margdarshak” ya “MAAY Help Desk” dhundho. Jan Aadhaar aur Aadhaar details do — woh eligibility verify karenge.
Pre-Authorization Hogi
Hospital MAAY portal se treatment request submit karega. RSHAA approval aane ke baad ilaaj shuru. Emergency mein yeh process fast track hoti hai.
Cashless Ilaaj — Jeb Se Kuch Nahi
Operation, medicines, room, tests — sab cashless. Discharge ke baad hospital seedha sarkar se settle karta hai. Tumhara kaam sirf theek hona hai.
MAAY vs Private Insurance — Honest Comparison
Kai log poochte hain ki MAAY hai toh private insurance bhi lena chahiye kya? Seedha jawab:
| Feature | MAAY (Rajasthan Govt) | Private Insurance |
|---|---|---|
| Annual Health Cover | ₹25 lakh / year | ₹5–25 lakh (plan alag) |
| Accident Cover (MADBY) | ₹5L–₹10L (MAAY ke saath linked free) | Alag rider lena padta hai |
| Annual Premium | Free ya ₹850/year | ₹6,000–₹30,000+/year |
| Waiting Period | Day 1 se coverage | 2–4 saal ki waiting |
| Family Size Limit | Koi limit nahi | Mostly 2+2 ya 2+3 |
| Pre-existing Diseases | Policy rules ke anusaar cover | 1–4 saal baad |
| OPD Coverage | Nahi — sirf IPD/hospitalization | Kuch plans mein hoti hai |
| Hospital Network | Rajasthan + kuch all-India | Pan-India, kuch international |
📞 MAAY Helpline & Contact
Aksar Pooche Jaane Wale Sawal (FAQs)
📋 MAAY — Complete Summary
Abhi Tak MAAY Mein Registered Nahi Ho?
Ek baar registration karo — phir agar kabhi hospital ki zaroorat padi, ₹25 lakh ki security tumhare paas hogi. Free mein milti hai toh lene mein koi nuksaan nahi.
Form bharne me help chahiye?
Agar aapko doubt hai ki kaunse documents sahi hain ya aapka form reject ho sakta hai:
Aap humse contact kar sakte hain. Hum aapki documents verify karke form fill karne me madad karte hain.
Aap humse contact kar sakte hain. Hum aapka form fill karne me madad karte hain.
Research and written by suchnapoint.com team