Know all about Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Scheme is one of the several government initiatives taken to help the poor. Medical care can be too expensive at times for the lower-middle class income groups. On top of it, an emergency can burn a hole in your pocket. This is why government-aided affordable healthcare schemes like the MA Yojana exist.

Are you interested in knowing more about this insurance plan?

Go through our detailed guide and stay updated with the latest information.

The Mukhyamantri Amrutum Yojana is a tertiary health insurance scheme launched by the Government of Gujarat on 4th September 2012. It was developed to primarily benefit the BPL population of Gujarat. Later, this scheme’s benefits were extended to lower-middle class families as well. It offers them better accessibility to efficient healthcare solutions via cashless treatment.

Before enrolling yourself and your family members under this scheme, it is imperative for you to be aware of all MAA Amrutum features.

Following is a list of some of the salient features of the Mukhyamantri Amrutum Scheme:

• This scheme offers financial coverage up to ₹3 lakhs per annum to each family on a floater basis.
• It is a 100% government-funded scheme. Beneficiaries do not need to bear any premium charges or enrollment fees.
• A maximum of 5 family members can enroll under this scheme.
• There are no intermediaries involved and the State Government transfers the coverage amount via RTGS.
• Beneficiaries can attend district-level general and mega health camps every month conducted under this scheme by network hospitals.
• This scheme involves completely paperless processes. Scheme authorities have dedicated servers and data centres to store data. The IT agency (n)Code Solutions aids them in this efficient process.
• Beneficiaries will receive QR-coded cards comprising their photos, biometric thumb impressions, district and taluka details, and unique registration number (URN).

Additionally, interested individuals can enroll under this scheme at any time of the year. Thereafter, they can avail the above-mentioned Mukhyamantri Amrutum Yojana features besides several other benefits.

MAA Amrutum card benefits include financial coverage for the following medical procedures:

• General medicine
• Neonatal packages
• Surgeries: 
  • General surgery
  • Plastic surgery
  • Burns
  • Cardiothoracic and vascular surgery
  • Neurosurgery 
  • Organ transplant 
  • Oral and maxillofacial surgery
  • Knee and hip replacement
  • Paediatric surgery
  • Surgical oncology
  • Renal surgery
• Other procedures involving:
  • Cardiology
  • Ophthalmology
  • Medical oncology
  • Nephrology
  • Neurology
  • Orthopaedics and polytrauma
  • Mental disorder 
  • Radiation oncology
  • Obstetrics and gynaecology
• Emergency room packages

However, in order to avail cash-free treatment against the above procedures, individuals need to meet MA Amrutum Yojana eligibility.

Here is a list of Mukhyamantri Amrutum Yojana eligibility requirements that you must meet to qualify under the scheme.

• Enrolling a family’s total annual income must be less than ₹4 lakhs.
• If the primary beneficiary is a senior citizen, then the annual permissible MA Amrutum card income limit for a family becomes ₹6 lakhs.
• All Accredited Reporters and Accredited Social Health Activist (ASHA) workers are eligible.
• All Class-3 and Class-4 State Government employees.

In order to validate these eligibility claims, you must provide all relevant documents, including an income certificate. You must complete this process during registration on their official website.

If you have already enrolled yourself and your family under MA Yojana, then you must have a MA health card. After ensuring that you do, follow the given steps in order to claim Mukhyamantri Amrutum Yojana benefits.

• Step 1: Visit one of your nearest network hospitals and get diagnosed.
• Step 2: Submit your MA health card along with other necessary documents.
• Step 3: Next, the medical institution will seek pre-authorisation from the insurer. Once the insurer approves it, you can avail treatment.
• Step 4: Post completion of the treatment procedure, this hospital will send all documents like treatment summary, total bill, etc., to the insurer for settlement.

Here you need to note all of your nearest empanelled hospitals beforehand to avail speedy solutions during an emergency.

Given such beneficial features and the efficiency of the Mukhyamantri Amrutum Scheme, it has received several titles and awards. 

Some of Mukhyamantri Amrutum Yojana awards are as follows:

• Best Affordable Healthcare Initiative 2016 at Healthcare Summit in Jaipur
• CSI-Nihilent e-Governance Awards 2013-14
• SKOCH Awards for Smart Governance 2014
• “Gems of Digital” India Award
• “Best Accessible Healthcare Initiative” by ELETS

Who would want to miss out on such a beneficial scheme, isn’t it?

So, if you meet this scheme’s eligibility requirements, proceed with the registration process to enroll under the Mukhyamantri Amrutum Scheme. You can complete the process on the MA Gujarat website.