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Mukhyamantri Amrutum Yojana: Eligibility, Features, Coverage & Benefits

Team AckoJan 20, 2025

India strives to provide quality healthcare for all, regardless of income, yet achieving this remains a work in progress. As the country grows and develops, it is also making progress to close this healthcare gap. As it develops, the country is taking steps to close this healthcare gap. Mukhyamantri Amrutum Yojana is a notable effort and evidential proof in Gujarat.

This program is designed to extend essential healthcare services, especially to those facing financial constraints. While obstacles persist, the initiative marks a significant action towards proper healthcare access. By offering extensive medical coverage and easing financial burdens, it addresses essential needs for affordable treatment.

As India progresses socio-economically, initiatives like this give hope for a future where healthcare is within reach for everyone, irrespective of their financial status. Through this Comprehensive health insurance plan, the government aims to facilitate the availability of quality healthcare services to as many people as possible.

Mukhyamantri

Contents

What is Mukhyamantri Amrutum Yojana (MA Yojana)?
Overview of Mukhyamantri Amrutum Yojana (MA Yojana)
Features and Benefits of Mukhyamantri Amrutum Yojana:
Accolades Achieved by Mukhyamantri Amrutum Yojana
- Benefits of Mukhyamantri MA Yojana:
List of Diseases And Treatments Covered Under MA Yojana: Inclusions:
What Is Not Covered? – Exclusions
- Eligibility For Mukhyamantri Amrutum Yojana:
What You Should Be Aware of about Mukhyamantri Amrutum Yojana
How To Enrol In Mukhyamantri Amrutum Yojana:
Documents Required To Apply For MA Yojana:
Authorities Responsible for the Verification Process
MA Yojana Health Card Details:
How To Renew MA Yojana Smart Health Card?
Mukhyamantri Amrutum App:
How To Download Mukhyamantri Amrutum Yojana Application Form?
How To Claim MA Yojana?
Mukhyamantri Amrutum Yojana Hospital List:
The Bottom Line
Contact Information for MA Yojana: Toll-Free Number and Address
Frequently Asked Questions:
Financial Planning with Term Insurance

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., those Below the Poverty Line (BPL). However, the programme was upgraded from Mukhyamantri Amrutum Yojana to Mukhyamantri Amrutum Vatsalaya Yojana. It extends benefits to lower-middle-class families as well. This holistic health insurance scheme pays for the entire cycle of a medical contingency, from diagnostic tests to post-hospitalization care.

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	1800-233-1022
Address	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:

Feature	Description
Enrollment and Premium	No enrollment amount or insurance premium required.
Funding	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.

Accolades Achieved by Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana has been recognized for its efficacy through various prestigious awards, including the SKOCH Awards for Smart Governance in 2014 and the CSI-Nihilent e-Governance Awards in 2013–14. It also received India's "Gems of Digital" Award for its impactful contribution. In 2016, the initiative was honoured with the Best Affordable Healthcare Initiative Award, further validating its significance in providing accessible healthcare. These accolades underscore the program's commitment to improving healthcare accessibility and affordability, showcasing its innovative approach and impact on society.

Benefits of Mukhyamantri MA Yojana:

The 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:

Feature	Description
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	All benefits provided under the PMJAY Scheme

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	Packages/Services
Burns and plastic surgery	Nephrology
Cardiothoracic & vascular surgery	Neurosurgery neurology
Cardiology	Obstetrics and gynaecology
Emergency room packages	Ophthalmology
General medicine	Oral and maxillofacial surgery
General surgery	Organ transplant packages
Genitourinary surgery (renal)	Orthopaedics and polytrauma
Interventional neuroradiology	Otorhinolaryngology
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	Description
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 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
	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.

Authorities Responsible for the Verification Process

The verification process for Mukhyamantri Amrutum Yojana involves multiple levels of authority to ensure thorough scrutiny and validation. At the district level, Deputy Mamalatdar plays a pivotal role in overseeing the verification procedures. Moving to the taluka level, various administrative officers stationed at the Taluka Health Office are responsible for verification tasks.

Additionally, appointed officers at Apno Taluko Vibrant Taluko A.T.V.T. Centres, Nagar Palika Chief Officers, and female health workers or multipurpose health workers (for mobile kiosks) contribute to the verification process. The Taluka Mamalatdar holds significance in this process. Municipal corporation authorities, comprising all permanent employees of government offices within the corporation's jurisdiction and appointed officers of civic centres, also play a crucial role.

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 impanelled hospital will send the details of the hospital stay to the insurance company. The members of Mukhyamantri Amrutum Yojana does not have to look into this exchange of information. The claim will then be 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 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

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.

Contact Information for MA Yojana: Toll-Free Number and Address

For inquiries or assistance regarding the Mukhyamantri Amrutam Yojana, individuals can reach out via the toll-free customer service number: 1800-233-1022. This helpline serves as a direct point of contact for any queries related to the scheme.

Email: [email protected]
Postal Address:
Mukhyamantri Amrutum Yojana,
Commissionerate of Health, Block 5,
Jivaraj Mehata Bhavan,
Gandhinagar, Pin – 382010, Gujarat

Under the Mukhyamantri Amrutam Yojana, Gujarat offers enhanced accessibility to dialysis services through 21 government standalone centres and four private facilities. Detailed rates for various medical procedures covered by the program are available on the official website of the Health and Family Welfare Department, Government of Gujarat, ensuring transparency and facilitating beneficiaries' access to essential healthcare services.

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.

Explore More:

Financial Planning with Term Insurance

While medical security is the main objective of health programs like Mukhyamantri Amrutum Yojana, securing your family's long-term financial stability is just as important. Choosing a term insurance plan, such as a 1 crore term plan, offers a safety net by providing a large coverage amount at reasonable premiums. By evaluating premium rates and desired coverage, a term insurance calculator assists you in selecting a plan that meets your needs.

In contrast to health plans, term insurance guarantees your family's future security by providing immediate support in the event of unanticipated circumstances. Wait no more! Explore options today and buy life insurance plans to create a complete financial safety net that safeguards wealth and health.