Mukhyamantri Jan Arogya Yojana (MMJAY)
Uttar Pradesh 100% state-funded flagship health insurance scheme providing ₹5 Lakh annual cashless hospitalization to Antyodaya and deprived families excluded from PM-JAY.
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹1,150 Crore annual state budgetary outlay under State Agency for Comprehensive Health & Integrated Services (SACHIS UP)
Official Budget Document ↗Over 4.8 Crore citizens issued Ayushman / MMJAY health cards in Uttar Pradesh (Rank 1 in India)
As of: 2026-01-31PIB / Official Citation ↗Verified Eligibility Criteria
Resident of Uttar Pradesh registered under the Antyodaya Anna Yojana (AAY red ration card) or identified in the state destitute survey list.
Required Documents Checklist
Verify readiness before applying for Mukhyamantri Jan Arogya Yojana (MMJAY). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Mukhyamantri Jan Arogya Yojana (MMJAY)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Eligibility & Prerequisite Verification: Verify specific eligibility criteria, income ceilings, and category qualifications as notified in the official guidelines. Ensure the applicant's mobile number is linked with Aadhaar and an active bank account.
- 2
Portal Registration & Onboarding: Navigate to the official portal (up-health.in) or designated facilitation counter. Citizen verifies name on the State Health Agency portal (setu.pmjay.gov.in / up-health.in) using Antyodaya Ration Card or Aadhaar.
- 3
Application Form Submission: Complete the online application form with accurate demographic, socioeconomic, educational, and bank account details (IFSC and account number).
- 4
Mandatory Document Upload: Upload self-attested scanned copies of required documents including Aadhaar card, residence/domicile certificate, income certificate, caste certificate (if applicable), and passport-sized photographs.
- 5
Field Inspection & Departmental Scrutiny: Visit nearest Common Service Centre (CSC) or Government Hospital Ayushman Mitra desk. Designated authorities review documents and conduct physical verification if mandated by scheme rules.
- 6
Sanction & Fund Release: Complete biometric e-KYC. Disbursement is routed securely via DBT through PFMS directly to the approved beneficiary.
- 7
Tracking & Grievance Redressal: Applicants can track their application progress using the generated reference/application ID on the portal. In case of discrepancies or delays, grievances can be lodged via the official departmental helpline or CM/CPGRAMS grievance portal.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-Antyodaya family outside SECC/state deprived survey, income tax payer, or government employee covered under state government health scheme.
Official Government Application Portal
You will be redirected to the secure official portal: up-health.in
Get Curated Scheme Alerts & Application Deadlines
Never miss an installment date, scholarship deadline, or new state subsidy. Voluntarily subscribe to receive verified government scheme updates directly on WhatsApp or Email.
Successfully Subscribed!
Your preferences are securely saved. You will receive verified alerts when application windows open. You can unsubscribe anytime.
💡 Need an immediate personalized document checklist & rejection audit for your profile?
Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What is the coverage limit under Mukhyamantri Jan Arogya Yojana?
₹5,00,000 per family per year on a family floater basis for secondary and tertiary care hospitalization.
Source: Official Scheme FAQ ↗Which hospitals can beneficiaries go to for free treatment?
All government medical colleges, district hospitals, and empaneled private multi-specialty hospitals across India.
Source: Official Scheme FAQ ↗Is prior illness covered from day one?
Yes, all pre-existing illnesses are covered from day one of enrollment with zero waiting periods.
Source: Official Scheme FAQ ↗Who is eligible to apply for Mukhyamantri Jan Arogya Yojana (MMJAY)?
Eligible applicants must satisfy official government criteria for Mukhyamantri Jan Arogya Yojana (MMJAY). Conditions: Resident of Uttar Pradesh registered under the Antyodaya Anna Yojana (AAY red ration card) or identified in the state destitute survey list..
Source: Official Scheme FAQ ↗Can I track my Mukhyamantri Jan Arogya Yojana (MMJAY) application status?
Application status for Mukhyamantri Jan Arogya Yojana (MMJAY) can typically be tracked through the official portal at up-health.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Mukhyamantri Jan Arogya Yojana (MMJAY) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Mukhyamantri Jan Arogya Yojana (MMJAY) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-Antyodaya family outside SECC/state deprived survey, income tax payer, or government employee covered under state government health scheme.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | state | Official Source ↗ |
| 2026-10-06 | ministry_id | 150 | Official Source ↗ |
| 2026-09-21 | initial_verification | Baseline verification of Mukhyamantri Jan Arogya Yojana (MMJAY) guidelines, eligibility, and state portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous card generation through Ayushman Mitra desks and CSCs
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 28d ago from .gov.in source
Apply online with minimal documents
Related Welfare Programs
World largest government-funded health assurance scheme providing ₹5 lakh annual cashless health cover per family for secondary and tertiary care hospitalization.
Direct benefit maternity benefit scheme under Mission Shakti offering cash incentives up to ₹6,000 for pregnant women and lactating mothers.
National affordable medicine initiative providing high-quality generic medicines and surgicals through dedicated Kendra outlets at 50% to 90% lower prices.
📅Scheme Milestone Timeline
Baseline verification of Mukhyamantri Jan Arogya Yojana (MMJAY) guidelines, elig...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
State Agency for Comprehensive Health & Integrated Services (SACHIS), UP
Navchetna Kendra, 4th Floor, 10 Ashok Marg, Lucknow, Uttar Pradesh 226001
Helpline: 1800-180-04444
Jurisdiction: State (Uttar Pradesh)Notice a Discrepancy?
Help keep civic data 100% accurate. We audit every report against primary gazettes.
Verification Metadata
Last verified by Eligo researchers on 2026-09-21 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.