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Mukhyamantri Jan Arogya Yojana Bihar: Benefits & Eligibility

Team AckoMar 13, 2024

In a bid to make healthcare affordable, the Government of India launched the Ayushman Bharat-Pradhan Mantri Jan Aarogya Yojana (AB-PMJAY) on September 23, 2018. More than 50 crore people across India can avail the scheme benefits. It is the world’s largest government-funded healthcare program.

Bihar Mukhyamantri Jan Arogya Yojana

In Bihar, crores of people are currently deprived of the benefits of PMJAY. That’s why the Bihar government is launching its version of the scheme under the name of Bihar Mukhyamantri Jan Arogya Yojana (CMJAY). In this blog, you can learn more about this scheme.



Bihar Mukhyamantri Jan Arogya Yojana (CMJAY)

As per the Bihar government, many people were excluded from the PMJAY in Bihar. The government has launched the Bihar Mukhyamantri Jan Arogya Yojana Bihar or CMJAY, to do justice to them and give them health insurance coverage. It is similar to the PMJAY.

The PMJAY currently covers over 1 crore families in Bihar. Now the government wants to extend the benefits of PMJAY to 89 lakh families in Bihar. 

Benefits of Mukhyamantri Jan Arogya Yojana Bihar (CMJAY)

The main attraction of CMJAY is that it offers a maximum health insurance of Rs.5 lakh per family per year. It covers secondary and tertiary care hospitalisation. 

Hospitals empanelled under PMJAY will also provide treatment under the CMJAY. Over 900 hospitals are empanelled under PMJAY, including 280 private ones.

To implement the Ayushman Bharat Mukhyamantri Jan Arogya Yojana, the government issues ID cards akin to the golden cards issued for the PMJAY.

Eligibility for CMJAY

To identify eligible family under Mukhyamantri Jan Arogya Yojan, the government has used National Food Security Act (NFSA) enrollments. 

After evaluation, Bihar government found 89 lakh families which were covered by NFSA but not by PMJAY. Now they can access health insurance of up to Rs. 5 lakh under Mukhya Mantri Jan Arogya Abhiyan.

How to Apply for CMJAY?

Here’s what you need to do to apply for Mukhyamantri Jan Arogya Yojana.

  1. Gather all necessary documents such as your Aadhaar card and ration card

  2. Find your nearest Suvidha Kendra or PMJAY empanelled hospital

  3. Take all relevant documents to the centre or hospital.

  4. Fill up the application form and complete the formalities to get your CMJAY card.

Documents Needed To Enrol For CMJAY

Following documents might be needed to register for Bihar Mukhyamantri Jan Arogya Yojana.

  • Ration card issued by Bihar government under NFSA.

  • Aadhaar Card

  • Caste certificate

  • Income certificate 

  • Bank details

Benefits of Insurance Coverage

We would urge you to buy health insurance coverage to save yourself from financial hazards arising out of medical emergencies. Here you can read about some of the features of an insurance cover.

Financial Security

One can’t predict when a disaster will strike. Several families face problems because of healthcare costs. In such a scenario, insurance can cover a significant portion of the treatment for a patient. Thus it can protect your health and wealth.

Premium Based on Risk Value

An important factor in deciding the premium for insurance is the risk potential of the applicant. Healthier people with less or no health issues can be charged less premium. Thus, it is generally advised to buying health insurance as early as possible to avoid higher premiums.

Tax Benefits

Several insurance coverage packages have tax incentives. You can thus reap tax benefits by going for insurance coverage.

Protection For Family

In case of untimely demise of any of the family members, other insured members can still continue to get health insurance coverage. 

You can go through the insurance options offered by ACKO. From 100% coverage of hospital bills to no room rent capping, there are several options you can choose from. Once you have decided what you want, you can see which sort of coverage suits you.

Wrapping up!

In this article, we have covered the most important aspects of CMJAY. The government felt the need to protect those who were excluded from PMJAY in Bihar. In response, they launched Bihar Mukhyamantri Jan Arogya Yojana. Along with PMJAY, it promises to make health insurance coverage universal in Bihar.

Frequently Asked Questions (FAQs)

Here are some frequently asked questions about the Bihar Mukhyamantri Jan Arogya Yojana


1. What is the CMJAY?

The Bihar government launched the CMJAY to provide health insurance of up to Rs. 5 lakh per family per year to those who were excluded from the PMJAY.

2. Who is eligible for CMJAY?

The Bihar government has used data from the National Food Security Act to decide who should be eligible for CMJAY. The ones eligible for CMJAY were excluded from the PMJAY, hence the need for a new scheme for them.

3. What is the fee for enrolling in CMJAY?

The government charges no fee for enrolling beneficiaries for CMJAY.

4. Which documents are necessary for enrolling in CMJAY?

The following documents are necessary for enrolling in CMJAY.

  • Ration card issued by Bihar government under NFSA.
  • Aadhaar Card
  • Caste certificate
  • Income certificate 
  • Bank details


5. Are private hospitals covered by CMJAY?

Yes, those private hospitals which were empanelled under PMJAY are also part of the CMJAY scheme.

6. How much insurance does CMJAY provide?

The CMJAY provides insurance of up to Rs. 5 lakh per family per year.

7. Is it compulsory to enrol in CMJAY?

No, the government has not made it compulsory to enrol for CMJAY.


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