Team AckoSept 21, 2023
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.
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.
Mukhyamantri Amrutum Yojana
4th September 2012
Government of Gujarat
Below Poverty Line (BPL)
Toll-free helpline number
The Commissionerate of Health,Mukhyamantri Amrutum Yojana,Block 5, Jivaraj Mehta Bhavan,Gandhinagar- 382010.
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.
Up to ₹3 Lakhs per family annually.
Maximum of five family members can avail benefits.
ASHA Worker Incentive
Rs. 100 provided to ASHA workers for each registered BPL family.
State Government transfers benefits via RTGS.
Mega and General Health Camps conducted monthly at district level with empaneled hospitals.
Dedicated data centers and servers managed by (n)Code Solutions.
All processes under the scheme are paperless, including claims and other services.
Beneficiaries can enroll throughout the year.
Civic Centre Kiosks and Taluka Kiosks available for enrollment.
The process is direct, with no intermediaries involved.
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
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
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:
Burns and plastic surgery
Cardiothoracic & vascular surgery
Obstetrics and gynaecology
Emergency room packages
Oral and maxillofacial surgery
Organ transplant packages
Genitourinary surgery (renal)
Orthopaedics and polytrauma
Knee & hip replacement
Paediatric medical management
Mental disorder packages
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.
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:
Family’s Annual Income
Up to Rs. 4 Lakh
Accredited Social Health Activist (ASHA) Workers
ASHA workers who are accredited healthcare providers
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
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 Authority||Taluka Level Authorities||Municipal Corporation Authority|
|Deputy Mamlatdar||Administrative Officers (Taluka Health Office)||All permanent employees of government offices in the area under corporation.|
|Appointed Officer at A.T.V.T. Centers||Appointed 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|
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
Any other documents required will be communicated to applicants before the date of enrolment.
Also, read: Arogya Sanjeevani Health Insurance
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.
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:
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
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.
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.
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.
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 Sciences||Dwiti - Prabhu General Hospital and Banker Heart Institute.||Himalaya Cancer Hospital||Mr. M. Parikh Cardiac Care Center, Khambhat||P.P.Savani Heart Institute & Multispeciality Hospital - Surat||Sir Takhtasinhji General Hospital and Government Medical College||Wockhardt Hospital|
|B.T. Savannah Kidney Hospital||DZ Patel Cardiology Center (Mahagujarat Medical Society)||HJ Doshi Hospital||Muljibhai Patel Urology Hospital||Premdas Jalaram Hospital||Sita Superspeciality Hospital||Yasha Super Specialty Hospital|
|Ba Mrs. Lilaben Chimanlal Parikh Cancer Center||GMERS Medical College and General Hospital, Gotar||Hospital (Aryan Institute of Medical Sciences)||Muni-seva Ashram||Premswaroop Swami Multi-specialty Hospital||Sri Sathya Sai Heart Hospital - Rajkot||Yashfeen Group Of Hospital - Navsari|
|Banker Heart and Multi-specialty Hospital||GMERS Medical College and Hospital, Dharapur||India Cancer Hospital and Research Institute||Nadkarni Hospital||Rythum Hospital||Sterling AdLife India Limited|
|Banker Heart Institute||GMERS Hospital Valsad||Krishna Multispeciality Hospital - Morbi||Naik Super Specialty Hospital||Saachi Hospital Hospital||Sterling AdLife India Limited - Vadodara|
|Baroda Heart Institute and Research Center||GMERS Medical College and Hospital, (Gen. Hospital) Gandhinagar||Lifeline Hospital||NP Cancer Hospital (Rajkot Cancer Society)||SCHVIjK Hospital & Research Center||Sterling AdLife India Limited-Rajkot|
|Charusat Hospital||Goenka Hospital - Gandhinagar||Mawatat Multi-specialty Hospital||Orange Hospital - Navsari||Sher Hospital||Sterling Ramakrishna Hospital|
|Civil Hospital Surat||Guru Gobind Singh General Hospital and Government Medical College||Medical College and Hospital, Vadodara||Pandit Deendayal Upadhyay Civil Hospital, Rajkot||Shree Krishna Hospital and Medical Research Center||Surat Municipal Medical College|
|DDMM Heart Institute||Hanuman Hospital - Bhavnagar||Medistar Hospital Pvt Ltd||Parul Sevashram Hospital||Shreeji Hospital and Trauma Care Center||Unicare Hospital|
|Dhiraj Hospital-Sumandeep Vidyapeeth - Vadodara||HCG Hospital||Metro Hospital||Patan Janta Hospital (Jeevan Jyoti Charitable Trust)||Shri BD Mehta Mahavir Dil Institute||Virok Super Specialty Hospital - Vadodara|
Also, read: Coronavirus Health Insurance
5 family members can be covered under this scheme. In the case of a newborn baby, he/she will be considered as the 6th member.
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.
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.
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