The Government of Gujarat launched the Mukhyamantri Amrutum (MA) Yojana on 4 September 2012 to provide BPL (Below Poverty Line) families access to quality medical and surgical care. The scheme was meant to address the problem of many Indian households being pushed into poverty due to increased costs of healthcare spending. Over the due course of time, the insurance scheme has expanded to cover lower-middle-class families in Gujarat as well. This holistic health scheme provides full coverage from the initial diagnosis to post-hospitalisation expenses to MA cardholders.
Read along to take a deeper look into the facilities and benefits of this scheme.
The Government of Gujarat launched the Mukhyamantri Amrutum (MA) Yojana on 4 September 2012 to provide BPL (Below Poverty Line) families access to quality medical and surgical care.
High sum assured
The scheme provides a sum assured of Rs. 300,000 to every eligible family every year on a family floater basis. For procedures like kidney transplant, kidney+pancreas transplant and liver transplant, the scheme offers benefits of up to Rs. 500,000.
Covers various medical expenses
It provides cover for all sorts of medical and related expenses, including medicines, surgery, admission charges, diagnostics, hospital registration, post-surgery and travel expenses.
Those who are eligible for the scheme can get cashless facilities for 698 defined procedures and follow-up treatments. These include cardiovascular diseases, neurological diseases, neonatal diseases, renal diseases, cancer (malignancies), burns, polytrauma, knee and hip replacement surgeries, Covid-19 etc.
Knee and hip replacement procedures
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This scheme covers the knee and hip-replacement procedures with a cap of Rs. 40,000 for each replacement.
The MA Yojana provides Rs. 300 as travel expenses every time someone gets treatment from an empanelled hospital.
In case of the beneficiary’s death, the policy pays Rs. 6 per km as transportation allowances for repatriation of remains.
Same benefits as PMJAY
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The government scheme offers all benefits provided under PMJAY (Pradhan Mantri Jan Arogya Yojana).
Cashless treatment facilities
The state government issues MA cards to BPL beneficiaries for cashless treatment at private hospitals. For people in lower-income groups, they issue MA Vatsalya cards offering the same benefits.
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Mukhyamantri Amrutum Yojana has a massive disease list covering around 698 defined diseases and treatment procedures. Anyone eligible for the scheme will get coverage under the following medical departments.
Mukhyamantri Amrutum Yojana caters to low-income middle-class households. Though the scheme covers a host of treatments, there could be a few exclusions (not exclusively mentioned) that MA yojana might not cover. These could be:
Families with annual income marginally above the poverty line are eligible for this scheme. The following is the eligibility criteria for Mukhyamantri Amrutum Vatsalya Yojana:
You need to keep these documents handy while visiting the appointed Nodal agency to apply for Mukhyamantri Amrutum Yojana:
Here is a step-by-step guide for enrolling for the MA Yojana:
In case you want to know about the authority body responsible for the enrolment and MA Yojana verification process, you can refer to the table below.
|District Level Authority||Deputy Mamlatdar|
|Municipal Corporation Authority||All permanent employees of government offices in the area under the corporation.Appointed Officer of Civic Center in Municipal Corporation Area.|
|Taluka Level Authorities||Administrative Officers (Taluka Health Office) Appointed Officer at A.T.V.T. CentersNagar Palika Chief OfficerTaluka Development OfficerFemale Health Worker/ Multipurpose Health Worker (For Mobile Kiosk only)Taluka Health OfficerTaluka Female Health SupervisorTaluka Information, Education and Communication OfficerTaluka Mamlatdar|
Note that you cannot download the MA Amrutum card online. You need to go to the enrolment centre and fill out the MA Vatsalya card application form (which could be in Gujarati) with the correct details. Once the details are verified, the MA Amrutum card will be issued. You can visit the enrolment centre to check the status of your MA health card.
In case you want to understand the scheme in detail, you can log in to the MAGujarat website. You can also check your MA Yojana smart card status online through the website.
The Mukhyamantri Amrutum card is valid for 3 years. So, as a beneficiary, you need to renew the card every three years to get access to MA Yojana scheme benefits. MAA card renewal is a fairly simple process. You could renew the MA health card either by calling the customer care number or visiting the appointed kiosk.
However, you will need the following documents to renew your smart health card:
You can download the Mukhyamantri Amrutum app on your Android phone via the play store. You can use the app to search for empanelled hospitals under MA Yojana. The app could be beneficial during any medical emergency in your family. In any emergency situations that require immediate medical treatment or attention, you could use the app to find the nearest network/empanelled hospital.
If there’s any medical emergency in your family and you want to avail yourself of the benefits of the MA Yojana scheme, you need to visit one of the empanelled hospitals. You can get cashless claim benefits under the MA Yojana scheme only through network hospitals. You can either check your Mukhyamantri Amrutum app to view the list of network hospitals registered under MA Yojana or refer to the table below:
|Ahmedabad||U.N. Mehta Institute of Cardiology and Research Center|
Institute of Kidney Diseases and Research Centre
The Gujarat Cancer and Research Institute
Government Spine Institute
Civil Hospital Ahmedabad
General Hospital SOLA
Life Care Institute of Medical Sciences and Research Pvt. Ltd.
Shaleen Healthcare Pvt. Ltd.
Vijay Shalby Hospital
Global Long Life Hospital and Research Pvt. Ltd.
Svayambhu Healthcare Pvt. Ltd.
Krishna Shalby Hospital
Sanjivani Super Speciality Hospital
GCS Medical College, Hospital and Research Centre
Pushpa Children’s Hospital and Critical Care Centre
L.G. General Hospital
Sheth Vadilal Sarabhai General Hospital and SHCTH CMH
Shri M.M. Parikh Cardiac Care Centre
Shree Krishna Hospital and Medical Research Centre, Karamsad
|Amreli||Radhika General Hospital|
|Bharuch||Shrimati Jayaben Mody Hospital|
Sardar Patel Hospital, Ankleshwar
Baroda Heart and Multispeciality Hospital
|Bhavnagar||HCG Hospital, Bhavnagar|
Sir Takhtasinhji General Hospital
|Gandhinagar||Premswarup Swani Multi-Specialty Hospital (PSM)|
Apollo Hospitals International Ltd.
Apollo CBCC Cancer
|Kutch||Aaryan Institute of Medical Science|
Sterling Ramkrishna Speciality Hospital
Gujarat Adani Institute of Medical Sciences, G. K. General Hospital
|Junagadh||GMERS General Hospital|
|Mehsana||Galaxy Heart Institute|
Lions General Hospital
|Navsari||Yashfeen Cardiac Hospital|
Yesha Super Speciality Hospital
‘BA’ SMT. Lilaben chimanlal parikh cancer centre
Jivan Jyot Charitable Trust, Patan Janta Hospital
GMERS Medical College and Hospital, Dharpur
Shree Jalaram Raghukul Sarvajanik Hospital
N. M. Virani Wockhardt Hospital
H. J. Doshi Hospital
Pandit Deendayal Upadhyay Civil Hospital
Rajkot Cancer Society and Allied Hospitals
Krishna Multispeciality Hospital
Sri Sathya Sai Heart Hospital
B.T. Savani Kidney Hospital
|Sabarkantha||J. K. Orthopaedic Hospital|
GMERS Medical College Hospital Himmatnagar
|Surat||Kiran Multi Super Specialty Hospital and Research Centre|
Sunshine Global hospital
Metas of Seventh-Day Adventist Hospital
Unicare Heart Institute and Research Centre
Saachi Children Hospital
Shri Devarajbhai Bavabhai Tejani Cancer Institute, Managed by Lions Cancer Detection Centre Trust
Lifeline Multispeciality Hospital
P P Savani Heart Institute and Multispeciality Hospital
DWTI – Prabhu General Hospital and Bankers Heart Institute
Shri B D Mehta Mahavir Heart Institute
Bharat Cancer Hospital
Surat Municipal Institute of Medical Education and Research Hospital
New Civil Hospital
|Tapi||Modi Children Hospital and Nirmal Critical Care Center, Vyara|
|Vadodara||Sunshine Global Hospital|
Rhythm Heart Institute
Pranayam Lung and Heart Institute
Bankers Heart and Multispecialty Hospital
SCHVIJK Hospital and Research Center
Naik Super Specialty Hospital
Parul Sevashram Hospital
Himalaya Cancer Hospital and Research Centre
Premdas Jalaram Hospital
Kailash Cancer Hospital and Research Centre
Baroda Heart Institute and Research Centre
Bankers Heart Institute
Shreeji Hospital and Trauma Care Centre
SSG Civil Hospital
GMERS Medical College and General Hospital, Gotri
|Valsad||Kasturba Hospital, (Kasturba Vaidkiya Rahat Mandal)|
Amit Hospital Pvt. Ltd.
Shreemad Rajchandra Hospital
The Gujarat state government’s health scheme has been a boon to low-income families who cannot get essential medical care on their own. Since its implementation, it has been highly successful, providing coverage for a wide range of healthcare for MA cardholders. In the case you are looking for a comprehensive health insurance policy, you can sign up for Navi Health Insurance. With Navi Health Insurance, you can get a cover of up to Rs.1 crore* along with a plethora of benefits, including no cap on room rent, unlimited doctor consultations (online)* and more. Download the Navi app today!
*Terms & Conditions Apply
Ans: To get the benefits of the scheme, you will have to submit the QR card to a Network Hospital. You don’t have to wait for a long period of time to start your treatment. After a quick verification, the hospital authorities would give a go-ahead and your treatment could start.
Ans: As of 2015, the MA cards have a validity of 3 years, after which you have to renew them. You can easily renew the card by calling the customer service number or going to the appointed kiosk.
Ans: Yes. While Mukhyamantri Amrutum Yojana covers a large number of medical procedures for low-income families. However, it may not cover the following treatments:
a) Non-emergency medical procedures
b) Cosmetic treatments like plastic surgery
Ans: Yes. You can download the Mukhyamantri Amrutum Vatsalya App from Google Play Store. It will help you quickly locate the nearest empanelled hospital and provide useful information like features of the scheme, contact details of hospitals etc.
Ans: Yes. As of May 2021, both MA and Mukhyamantri Amrutum Vatsalya cardholders can get free Covid-19 treatment of up to Rs. 50,000 at private hospitals. They can get benefits of up to Rs. 5000 for a maximum of 10 days under the scheme.
Ans: A total of 5 members are covered under Mukhyamantri Amrutum Yojana. However, in the case of a newborn child, the newborn would be considered as the 6th member.
Ans: There’s no waiting period for the MA Yojana scheme. You can get access to all the MA Amrutum health card benefits on the day of the commencement of the scheme.
Ans: No, you don’t have to pay any fee to get this card.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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