Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana is one of the most effective health schemes by the Chief Minister. Launched by the Government of Gujarat on September 4, 2012, it is a highly beneficial health insurance scheme for low-income families. It provides health insurance to people Below Poverty Line (BPL) or from lower-income and middle-class families. This comprehensive health insurance plan covers the entire medical emergency cycle, from diagnostic tests to post-hospitalization treatment.

Features and Benefits of Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana (MA Yojana) offers various benefits to people. Some of these are:

• State Funded: It is a fully state-funded scheme; beneficiaries do not have to pay any amount.
• Comprehensive Coverage: Beneficiaries can stay insured throughout the year.
• Smooth Transactions: For transparent financial transactions of hospital claims, payments are directly made through RTGS by the State Government.
• No Third-Party Involvement: There is no mediator involved in the entire process.
• Grievance Redressal & Easy Claim Processing: The Implementation Support Agency (ISA) acts as a Grievance Redressal body, addressing all complaints and suggestions. It also screens network hospitals, provides pre-authorization for cases, and processes claims.
• Empanelment of Public & Private Hospitals: Public, private, trust, and grant-in-aid hospitals are empanelled to allow beneficiaries to avail of the scheme.
• Health Check-Up Camps: Every month, mega and general health camps are held at the district level with the assistance of both private and government-affiliated hospitals.
• Assistance by Social Health Activists: ASHA (Accredited Social Health Activist) workers who assist BPL families in registering for the scheme are rewarded with INR 100 per family as an incentive.

Key Benefits of Mukhyamantri Amrutum Yojana

• Sum Assured: The sum assured is up to INR 3,00,000 per family per annum on a family floater basis. Kidney, liver, and kidney + pancreas transplant procedures are covered with benefits up to INR 5,00,000 under the scheme.
• Vast Coverage - 698 Diseases: All beneficiaries can avail of cashless quality medical and surgical treatment for 698 predefined illnesses like cardiovascular diseases, renal diseases, neurological diseases, burns, polytrauma, cancer (malignancies), neonatal (newborn) diseases, knee & hip replacement, and kidney, liver, and kidney + pancreas transplantation. Follow-ups for these defined illnesses are also covered under the policy.
• Medical Procedures: Knee and hip replacement procedures are covered with a cap of INR 40,000 per replacement. Additional costs will be borne by the beneficiary.
• Travel Expenses: The policy covers travel expenses of INR 300 when availing hospitalization at a network hospital.
• Death Allowance: The policy pays INR 6 per kilometer from the hospital to the beneficiary's home for the cost of repatriation of remains.
• Same Benefits as PMJAY: The policy offers all the benefits under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY).
• Miscellaneous Expenses: The policy also covers other expenses like admission charges, diagnostics, surgery, medicines, food for the patient, hospital registration, travel expenses, and post-surgery follow-up expenses.

Eligibility Criteria

To enroll in the Mukhyamantri Amrutum Yojana, you must fulfill these eligibility criteria:

• Specific Annual Income: The MA Amrutum Yojana is only available to families with low annual incomes. You may not be able to enroll in the plan if your annual income exceeds a predefined amount or if you do not work in a specified occupation.
• Below Poverty Line (BPL): The State Government has created a list of families under the 'Below Poverty Line' category. To be enrolled in the MA Yojana, names of all family members must be present on this list.

Mukhyamantri Amrutum Vatsalya Yojana (Extension of Mukhyamantri Amrutum Yojana)

To enroll in this extended scheme, you must fulfill these eligibility criteria:

• Families with an annual income of up to INR 4,00,000 are eligible to avail of this scheme.
• ASHA Workers: Accredited Social Health Activist (ASHA) workers.
• Class 3 and Class 4 employees employed by the state government at a fixed pay.
• U-Win cardholders.
• Senior citizens from families with an annual income up to INR 6,00,000 each year.

List of Diseases and Treatments Covered Under Mukhyamantri Amrutum Yojana

The scheme covers a wide range of treatments. Eligible beneficiaries of the Mukhyamantri Amrutum Yojana scheme will be covered for treatments under the following medical departments:

Surgeries Covered Under Mukhyamantri Amrutum Yojana

Some of the surgeries covered under this scheme:

• Neurosurgery
• Cardiovascular Surgeries
• Renal/Kidney Surgery
• Burns
• Newborn-related health issues
• Polytrauma
• Obstetrics and Gynecology procedures
• Cancer malignancies requiring chemotherapy, surgical oncology, and radiation oncology

What Is Not Covered?

While Mukhyamantri Amrutum Yojana covers a wide range of medical treatments for low-income families, certain exclusions apply:

• Cosmetic treatments like plastic surgery
• Non-emergency procedures

How to Enroll in Mukhyamantri Amrutum Yojana

To enroll in the Mukhyamantri Amrutum Yojana, a family member must visit a kiosk at the Taluka or civic center in their area. Mobile kiosks are also available at the local level.

Biometrics, such as iris scans and fingerprints, as well as photographs of all family members, are taken for the enrollment procedure. Additionally, the insured person must fill out an application form in Gujarati and submit the required documents. The Mukhyamantri Amrutum Yojana card is issued to the beneficiary after all details are verified.

Verification Authorities for Enrollment

The following authorities are in charge of the verification process:

Documents Required to Apply for MA Yojana

When visiting the nodal agency, the person enrolling under this scheme should have the following documents:

• Address Proof: Ration Card
• Identification Documents: Aadhaar Card, Voter ID, PAN Card, etc.
• Below Poverty Line (BPL) Certificate
• Income Certificate

Mukhyamantri Amrutum App

The Mukhyamantri Amrutum Vatsalya App can be downloaded from the Google Play Store for Android phones. There are several useful MA Yojana apps that provide information such as hospital lists, contact details, and scheme features. In case of a medical emergency, this app can assist you in locating your nearest empanelled hospital.

How to Claim MA Yojana?

The claim process for Mukhyamantri Amrutum Yojana is simple and easy. There is no need to arrange any documentation before filing a claim. The verification process starts once a plan member submits their QR card to a network hospital. Treatment can begin immediately after a quick verification, and the patient does not have to wait. Moreover, these claims are cashless, which reduces the financial burden on patients and their families.

The empanelled hospital will send details of the hospital stay to the Government of Gujarat after treatment is completed. Mukhyamantri Amrutum Yojana members are not required to investigate the information shared by the hospital. The Government of Gujarat will settle the claim with the hospital directly.

How to Renew MA Yojana Smart Health Card?

Beneficiaries can continue to receive MA Amrutum Smart Card benefits by renewing it before it expires. In 2015, the validity of the Mukhyamantri Amrutum card was changed from 1 year to 3 years.

Renewal of the MA Yojana card is simple and can be done by calling the customer service number or visiting an appointed kiosk. To complete the Mukhyamantri Amrutum Vatsalya renewal process, you need the following documents:

• Income Certificate
• Previous MA Card

Mukhyamantri Amrutum Yojana Hospital List

The following is a list of network hospitals across various districts in Gujarat that are part of the MA Yojana scheme:

Ahmedabad

Amreli

Anand

Aravalli

Banaskantha

Bharuch

Bhavnagar

Chhotaudepur

Dahod

Gandhinagar

Jamnagar

Junagadh

Kheda

Kutch

Mehsana

Navsari

Panchmahal

Patan

Rajkot

Sabarkantha

Surat

Tapi Modi

Vadodara

Valsad

MA Yojana Toll-Free/Helpline Number and Address

You can reach out to the MA Amrutum Yojana Customer Care for any queries.

• Toll-Free/Helpline Number: 1800-233-1022
• Email Address: [email protected]
• Postal Address: Mukhyamantri Amrutum Yojana, Commissionerate of Health, Block 5, Jivaraj Mehata Bhavan, Gandhinagar, Pin – 382010, Gujarat.