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Home / Health Insurance / Articles / Government Schemes / Mukhyamantri Amrutum Yojana: Eligibility, Features, Coverage & Benefits

Mukhyamantri Amrutum Yojana: Eligibility, Features, Coverage & Benefits

Team AckoFeb 22, 2024

Access to quality medical care needs to be provided to every Indian irrespective of the income group they belong to. This is an ideal scenario, however, it is not 100% true in this matter. India is a developing nation and steps are being taken to provide easy access to health care. One such step in the right direction is the launch of Mukhyamantri Amrutum Yojana in the state of Gujarat. Through this health insurance plan, the government aims to facilitate as many people into availing quality health care services as possible.

Mukhyamantri Amrutum Yojana



What is Mukhyamantri Amrutum Yojana (MA Yojana)?

The Mukhyamantri Amrutum Yojana, is a health insurance scheme launched by the Government of Gujarat on 4th September 2012. It was initially launched only to cater to people who fall under the lowest income groups of the state i.e. Below Poverty Line (BPL). However, later iterations of MA Yojana extended benefits to lower-middle-class families as well. This is a holistic health insurance scheme that pays for the entire cycle of a medical contingency, from diagnostic tests to post-hospitalization care. The Mukhyamantri Amrutam Vatsalya is truly a boon for those in need.

Overview of Mukhyamantri Amrutum Yojana (MA Yojana)

Scheme Name

Mukhyamantri Amrutum Yojana

Started on

4th September 2012

Launched by

Government of Gujarat

Launched for

Below Poverty Line (BPL)

Email address:

[email protected]

Toll-free helpline number



The Commissionerate of Health,Mukhyamantri Amrutum Yojana,Block 5, Jivaraj Mehta Bhavan,Gandhinagar- 382010.

Features and Benefits of Mukhyamantri Amrutum Yojana:

Mukhyamantri Amrutam Vatsalya is a prime example of a health scheme that is created truly for the benefit of the people. Here are the features of the scheme:



Enrollment and Premium

No enrollment amount or insurance premium required.


100% government-funded scheme.

Benefit Amount

Up to ₹3 Lakhs per family annually.

Family Limit

Maximum of five family members can avail benefits.

ASHA Worker Incentive

Rs. 100 provided to ASHA workers for each registered BPL family.

Benefit Transfer

State Government transfers benefits via RTGS.

Health Camps

Mega and General Health Camps conducted monthly at district level with empaneled hospitals.

Data Management

Dedicated data centers and servers managed by (n)Code Solutions.

Paperless Processes

All processes under the scheme are paperless, including claims and other services.

Enrollment Period

Beneficiaries can enroll throughout the year.

Enrollment Channels

Civic Centre Kiosks and Taluka Kiosks available for enrollment.

No Mediators

The process is direct, with no intermediaries involved.

Benefits of Mukhyamantri MA Yojana:

Following are the major benefits of this insurance scheme, more information about the coverage can be gathered by calling a dedicated customer care number for the plan.

The following things are also covered under MA Yojana:



Medical Coverage Amount

₹3 Lakhs per year per family

Special Procedure Benefits

₹5 Lakhs coverage for Kidney Transplant, Liver Transplant, and Kidney + Pancreas Transplant procedures

Coverage for Various Diseases

Cardiovascular diseases, Renal diseases, Neurological diseases, Burns, Polytrauma, Cancer, Neonatal diseases, Knee & Hip Replacement, Liver and Kidney + Pancreas Transplant, and 600+ other procedures

QR-Coded Card

Each beneficiary is issued a QR-coded card containing biometric thumb impressions, photos, a unique registration number (URN), district and taluka name

Travel Charges Coverage

Up to ₹300 per hospitalization for travel charges

Repatriation of Remains Coverage

Cost of repatriation of remains covered at ₹6 per km from the hospital to the beneficiary’s house

PMJAY Scheme Benefits


List of Diseases And Treatments Covered Under MA Yojana: Inclusions:

The MA Amrutam Yojana disease list is a long one as many treatments are covered under the scheme. This makes it a beneficial health insurance plan as the MA cardholder will mostly not be denied treatment just because it is not covered under the plan. Here is the list of medical departments that are covered by MA Yojana:

Medical Specialties


Burns and plastic surgery


Cardiothoracic & vascular surgery

Neurosurgery neurology


Obstetrics and gynaecology

Emergency room packages


General medicine

Oral and maxillofacial surgery

General surgery

Organ transplant packages

Genitourinary surgery (renal)

Orthopaedics and polytrauma

Interventional neuroradiology


Knee & hip replacement

Paediatric surgery

Medical oncology

Paediatric medical management

Mental disorder packages

Radiation oncology

Neonatal packages

Surgical oncology

What Is Not Covered? – Exclusions

The Mukhyamantri Amrutum Yojana provides coverage for a large number of medical treatments. Since this scheme is created for low-income families, no specific exclusions are mentioned. However, the following treatments may not be covered under the scheme:

  • Cosmetic treatments like plastic surgery for enhancing aesthetics

  • Certain non-emergency procedures might not be covered.

Also, read: organ transplant expenses cover in health insurance

Eligibility For Mukhyamantri Amrutum Yojana:

MA Amrutam Yojana eligibility is limited to certain families that have low annual income. If your income exceeds the pre-decided amount, or you do not belong to a specific occupation, you may not be allowed to enrol under the scheme. Take a look at the following conditions of eligibility:

  • A family that is listed in the Below Poverty Line (BPL) list. This list is created by the State Government. All the members of the family must be present in order to get enrolled under the MA Yojana.

Eligibility For MA Vatsalya Yojana:

Families belonging marginally above the poverty line can enrol under the MA Vatsalya Yojana. Other beneficiaries can also enrol in this scheme. Here are the conditions of eligibility:

Eligibility Criteria


Family’s Annual Income

Up to Rs. 4 Lakh

Accredited Social Health Activist (ASHA) Workers

ASHA workers who are accredited healthcare providers

Accredited Reporters

Accredited reporters who are recognized and authorized media personnel

Class 3 & 4 Employees on Fixed Pay

Employees appointed by the state government in Class 3 & 4 positions on a fixed pay

U-win Card Holders

Individuals holding U-win cards, typically issued to workers in the unorganized sector

Senior Citizens from Families with Annual Income up to Rs. 6 Lakh

Senior citizens belonging to families with an annual income of up to Rs. 6 Lakh

What You Should Be Aware of about Mukhyamantri Amrutum Yojana

The Mukhyamantri Amrutum Yojana provides quality medical and surgical treatment facilities to below-poverty line (BPL) families in Gujarat for serious and major illnesses that require hospitalisation, surgery or therapeutic procedures. The treatments under this scheme are provided free of cost to the beneficiaries at empaneled hospitals in a cashless manner.

The important aspects regarding this health scheme that one should be aware of are:

  • The eligibility criteria allow Accredited Social Health Activists (ASHAs) from rural as well as urban regions to enrol themselves under the Mukhyamantri Amrutum Yojana.

  • The process of claim settlement and reimbursements under this scheme is quick, hassle-free and transparent. Beneficiaries can skip long waits or follow-ups to get their claims approved, as a cashless treatment route is provided to them.

  • The enrollment application process for the scheme needs to be completed, whether done offline by visiting the nearest available centres or by online application through the official portal of the scheme.

  • In addition to the primary beneficiary, one add-on card can also be obtained.

  • The scheme provides cashless insurance coverage of up to Rs 5 lakhs to the beneficiaries availing treatment.

How To Enrol In Mukhyamantri Amrutum Yojana:

This Yojana requires an eligible person to enrol under the scheme in order to avail medical benefits. The enrolment process of Mukhyamantri Amrutum Yojana is very simple. Here is how the process takes place:

Government authorities like Taluka and Civic Centers have a list of families. Only those families whose annual income is less than Rs. 4 Lakh are included in the list. The same list of families is also available on the MAGujarat website under an online BPL search page. This list is used by any vendor associated with the enrolment process for reference. The MA Vatsalya lists are dynamically generated based on the income certificate of families.

To enrol under the “MA” and “MA Vatsalya” schemes, the beneficiary family members should visit kiosks at Taluka or Civic Centers of their area. To reach the maximum number of eligible families, the State Government has also introduced mobile kiosks at local levels. 

The Taluk office, Civic centres, and Mobile kiosks are well-equipped with all the hardware that will be required in the process of enrolment. This hardware is used to capture biometric information like fingerprints, iris scans, etc. Photographs of the family will also be taken. The beneficiary may have to first fill the MA Amrutam card application form in Gujarati with correct details about the family. 

After the verification of documents, the beneficiary will be given an MA Amrutam card, a pamphlet about the scheme, and a list of empanelled hospitals. The enrolment process is complete after a family receives these documents.

Here is a list of authorities that are responsible for the verification process:

District Level AuthorityTaluka Level AuthoritiesMunicipal Corporation Authority
Deputy MamlatdarAdministrative Officers (Taluka Health Office)All permanent employees of government offices in the area under corporation.
Appointed Officer at A.T.V.T. CentersAppointed Officer of Civic Center in Municipal Corporation Area.
Nagar Palika Chief Officer 
Female Health Worker/ Multipurpose Health Worker (For Mobile Kiosk only)
Taluka Development Officer
Taluka Female Health Supervisor
Taluka Health Officer
Taluka Information, Education and Communication Officer
Taluka Mamalatdar

Documents Required To Apply For MA Yojana:

The person eligible to enrol under this scheme should have the following set of documents while visiting the appointed Nodal agency:

  • Address proof like Ration card

  • Identification proof like Aadhaar card, Voter ID card, Driving License, or PAN card

  • Below Poverty Line (BPL) Certificate

  • Income Proof

Any other documents required will be communicated to applicants before the date of enrolment.

Also, read: Arogya Sanjeevani Health Insurance

MA Yojana Health Card Details:

Some mobile applications have details on how to apply for MA Yojana health card online or how to download MA Yojana health card. However, one needs to be physically present at the kiosk for the enrolment process. To avail the coverage, a beneficiary needs to submit a MA card document in Gujarati at the time of a medical emergency. Here are a few more details about the MA card.

When you reach the enrolment centre you will be given the MA vatsalya card application form pdf or a physical document to fill your details. After the enrolment process, you can revisit the kiosk to do the Mukhyamantri Amrutum Vatsalya card status check. In case of an active internet connection, you can also use the MA login on the MAGujarat website to understand various details about the scheme. By logging in you may also do a MA Yojana smart card status check online.

How To Renew MA Yojana Smart Health Card?

The beneficiaries of this scheme can continue to get MAA Amrutam card benefits only if they renew their card after expiry. Note that Mukhyamantri Amrutum card validity is 3 years. Earlier Mukhyamantri Amrutum Vatsalya card validity was set to 1 year, however, this was changed to 3 years after the year 2015.

MAA card renewal is fairly simple and can be done by either calling the customer care number or by visiting the appointed kiosk. You will need the following things to complete the Mukhyamantri Amrutum Vatsalya renewal process:

  • Income Certificate

  • Previous MA card

To get connected to a customer care executive faster, consider calling after 6 pm on a working day.

Also, read: ABHA health id card

Mukhyamantri Amrutum App:

The Mukhyamantri Amrutum Vatsalya App can be installed in an android phone via play store. You will find a couple of useful apps about MA Yojana that have information like hospital list, contact details, features of the scheme, etc. These applications can help you quickly locate your nearest empanelled hospital at the time of a medical emergency.

How To Download Mukhyamantri Amrutum Yojana Application Form?

The interested member may not require a MA Amrutam form PDF to enrol under this scheme. Visit the Mukhyamantri Amrutum website. This link helps you locate your nearest Kiosk. You will find an application form at this Kiosk.

How To Claim MA Yojana?

Unlike conventional health insurance, the claim process of Mukhyamantri Amrutum Yojana is very smooth and easy. One does not need to arrange any documents at the time of claim. The member of this plan simply needs to submit the QR card to a network hospital and the verification process will begin. After a quick verification, the treatment can start and the patient does not have to wait. Moreover, these claims are cashless in nature. This reduces the financial burden on the patients and family. 

After the treatment is complete, the empanelled hospital will send the details of hospital stay to the insurance company. The member of Mukhyamantri Amrutum Yojana does not have to look into this exchange of information. The claim will be then settled directly between the hospital and the insurance company.

Mukhyamantri Amrutum Yojana Hospital List:

One needs to visit an empanelled hospital to avail cashless claims during a medical emergency. Since the hospital is already registered to serve members of Mukhyamantri Amrutum Yojana, there would be less hassle while settling a claim. Here is the MA card hospital list for your reference:

Download the Mukhyamantri Amrutum App to know the complete list of empanelled hospitals. These details will also be provided at the time of enrolment. If one misplaces the list, he/she can visit the local kiosk and fetch the MA card hospital list.

Adani Institute of Medical SciencesDwiti - Prabhu General Hospital and Banker Heart Institute.Himalaya Cancer HospitalMr. M. Parikh Cardiac Care Center, KhambhatP.P.Savani Heart Institute & Multispeciality Hospital - SuratSir Takhtasinhji General Hospital and Government Medical CollegeWockhardt Hospital
B.T. Savannah Kidney HospitalDZ Patel Cardiology Center (Mahagujarat Medical Society)HJ Doshi HospitalMuljibhai Patel Urology HospitalPremdas Jalaram HospitalSita Superspeciality HospitalYasha Super Specialty Hospital
Ba Mrs. Lilaben Chimanlal Parikh Cancer CenterGMERS Medical College and General Hospital, GotarHospital (Aryan Institute of Medical Sciences)Muni-seva AshramPremswaroop Swami Multi-specialty HospitalSri Sathya Sai Heart Hospital - RajkotYashfeen Group Of Hospital - Navsari
Banker Heart and Multi-specialty HospitalGMERS Medical College and Hospital, DharapurIndia Cancer Hospital and Research InstituteNadkarni HospitalRythum HospitalSterling AdLife India Limited
Banker Heart InstituteGMERS Hospital ValsadKrishna Multispeciality Hospital - MorbiNaik Super Specialty HospitalSaachi Hospital HospitalSterling AdLife India Limited - Vadodara
Baroda Heart Institute and Research CenterGMERS Medical College and Hospital, (Gen. Hospital) GandhinagarLifeline HospitalNP Cancer Hospital (Rajkot Cancer Society)SCHVIjK Hospital & Research CenterSterling AdLife India Limited-Rajkot
Charusat HospitalGoenka Hospital - GandhinagarMawatat Multi-specialty HospitalOrange Hospital - NavsariSher HospitalSterling Ramakrishna Hospital
Civil Hospital SuratGuru Gobind Singh General Hospital and Government Medical CollegeMedical College and Hospital, VadodaraPandit Deendayal Upadhyay Civil Hospital, RajkotShree Krishna Hospital and Medical Research CenterSurat Municipal Medical College
DDMM Heart InstituteHanuman Hospital - BhavnagarMedistar Hospital Pvt LtdParul Sevashram HospitalShreeji Hospital and Trauma Care CenterUnicare Hospital
Dhiraj Hospital-Sumandeep Vidyapeeth - VadodaraHCG HospitalMetro HospitalPatan Janta Hospital (Jeevan Jyoti Charitable Trust)Shri BD Mehta Mahavir Dil InstituteVirok Super Specialty Hospital - Vadodara

The Bottom Line

The Mukhyamantri Amrutum Yojana stands as a remarkable initiative by the Government of Gujarat, designed to bridge the healthcare access gap for the state's most vulnerable populations. Launched in September 2012, this comprehensive health insurance scheme underscores the government's commitment to ensuring that quality medical care is not a privilege but a right accessible to all, irrespective of one's economic standing. By covering a wide array of medical treatments and procedures, including those for critical illnesses, the scheme not only alleviates the financial burden on low-income families but also promotes their overall well-being.

Also, read: Coronavirus Health Insurance

Frequently Asked Questions:

Here are few questions asked about Mukhyamantri Amrutum Yojana


How many family members are covered under MA Yojana?

Five family members can be covered under this scheme. In the case of a newborn baby, he/she will be considered as the 6th member.

Is there a waiting period for the coverage for pre-existing diseases?

No, all types of pre-existing diseases will be covered with MAA Amrutam card benefits from the date of commencement of this health insurance scheme.

Which actions can be performed at a kiosk of Mukhyamantri Amrutum Vatsalya Yojana?

The beneficiary of the plan can visit the kiosk for carrying out any of the following actions:

>New Enrolment>MA Amrutam Yojana Card Hot-listing (for lost cards)>Split Card application>For adding or deleting members>Endorsing errors on MA Vatsalya Yojana Card>Migration details

One can avail information about Mukhyamantri Amrutum Yojana at a mobile kiosk as well.

What is the process for including a new family member under the MA Yojana?

New family members can be added to the MA Yojana during the annual renewal period. Documentation proving the relationship to the primary beneficiary may be required. For newborns, birth certificates should be presented.

Are there any specific hospitals for maternity and childbirth covered under MA Yojana?

Yes, many empaneled hospitals under MA Yojana offer maternity and childbirth services. Beneficiaries can check the list of empaneled hospitals or contact the customer care number for information on hospitals that provide these specific services.

Can beneficiaries from other states avail services under MA Yojana if they are visiting Gujarat?

MA Yojana is specifically designed for residents of Gujarat. Beneficiaries must avail of services from empanelled hospitals within Gujarat. Residents of other states are only eligible if they are registered under the scheme and meet the eligibility criteria.

How does MA Yojana handle emergency medical situations?

In case of an emergency, beneficiaries can directly go to any empaneled hospital with their MA card. The hospital will verify the beneficiary's details and proceed with the necessary treatment without delay.

Is there a waiting period for new enrollees to start availing of benefits under the MA Yojana?

There is no waiting period specified for MA Yojana. Once enrolled, beneficiaries should be able to avail the benefits immediately, as long as their enrollment process is completed and their MA card is issued.

How can I check the balance of my coverage amount under MA Yojana?

The coverage balance is not typically something that needs to be checked by beneficiaries, as the scheme covers up to ₹3 Lakhs per family per year. However, for detailed transactions or claims made, beneficiaries can contact customer care or visit the enrollment kiosk for assistance.

Are pre-existing diseases covered under the MA Yojana?

Yes, MA Yojana covers pre-existing diseases from the day the beneficiary is enrolled into the scheme. There is no exclusion period for pre-existing conditions.

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