Mukhyamantri Amrutum Yojana: What Is MA Amrutum Card

Health Insurance

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. 

Facilities of the Mukhyamantri Amrutum Yojana

1. 100% State-funded Scheme: The MA Yojana is a 100% state-funded scheme, and thus, beneficiaries do not have to pay anything for it.
2. Zero involvement of third-parties: There is no involvement of third parties in its entire process. This brings more transparency to the scheme.
3. Family Floater Plan: Up to five family members can avail of the benefits of the healthcare scheme.
4. Cashless Facilities: The state government scheme offers complete cashless cover for medical expenses so that beneficiary doesn’t have to pay any cash out of their pocket during a medical emergency.
5. 100% Paperless: Claims and other services under the scheme are 100% paperless.
6. Wide Range of Network Hospitals: Both public/Grant-In-Aid and private hospitals have been empanelled under MA Yojana to encourage healthy competition.
7. Frequent Camps for Medical Checkups: Under this scheme, Mega Health Camps and General Health Camps are conducted in every district every month. Both private and public empanelled hospitals participate in these events.
8. Easy Enrolment Process: You can enrol for this government health scheme via Civic Centre Kiosks, Mobile Kiosks and Taluka Kiosks.
9. Top-notch Assistance: The ISA (Implementation Support Agency) is responsible for addressing all the complaints and suggestions. It also processes claims, provides pre-authorisation for various cases and screens the Network Hospitals.

Benefits Provided Under the Mukhyamantri Amrutum Yojana

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.

Vast coverage

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. 

Travel expenses

The MA Yojana provides Rs. 300 as travel expenses every time someone gets treatment from an empanelled hospital.

Death allowance

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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List of Diseases and Treatment Covered by MA Yojana

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. 

• General medicine
• General surgery
• Cardiology
• Neurosurgery neurology
• Nephrology
• Obstetrics and gynaecology
• Ophthalmology
• Orthopaedics and polytrauma 
• Interventional neuroradiology
• Genitourinary surgery (renal)
• Medical oncology
• Surgical oncology
• Radiation oncology
• Otorhinolaryngology
• Burns and plastic surgery
• Emergency room packages
• Cardiothoracic and vascular surgery
• Organ transplant packages
• Paediatric surgery
• Oral and maxillofacial surgery
• Mental disorder packages
• Neonatal packages
• Knee and hip replacement
• Paediatric medical management

Exclusions under Mukhyamantri Amrutum Yojana

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:

• Cosmetic treatments like plastic surgery for enhancing aesthetics
• Certain non-emergency procedures might not be covered.

Eligibility Criteria for Mukhyamantri Amrutum Yojana

For MA Yojana

• This scheme is meant for families with low annual incomes. 
• A family must be present in the BPL list created by the state government to be eligible.
• Your income must not exceed the pre-decided amount, and you have to belong to a specific occupation to enrol in MA Yojana.

For MA Vatsalaya Yojana

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:

• The annual income of a family is up to Rs. 400,000
• Senior citizens of a family with an annual income of up to Rs. 600,000
• U-win cardholders
• Class 3 and 4 state government employees with fixed pay
• Members who are ASHA (Accredited Social Health Activist) workers
• Members who are accredited reporters

Documents Required to Apply for Mukhyamantri Amrutum Yojana Health Card

You need to keep these documents handy while visiting the appointed Nodal agency to apply for Mukhyamantri Amrutum Yojana:

• Identity proof – Aadhaar card, voter ID card, or PAN card
• Address proof – Ration card
• Below Poverty Line (BPL) certificate
• Income proof

How to Enrol for Mukhyamantri Amrutum Yojana?

Here is a step-by-step guide for enrolling for the MA Yojana:

1. An individual eligible under the scheme needs to visit the kiosk at a Taluka, civic centre or mobile kiosk.
2. You need to be on the MA or Mukhyamantri Amrutum Vatsalya list to be eligible for this scheme. You can search the list of eligible families on the MAGujarat website.
3. Once at the kiosk, the authorities will capture biometric information like fingerprints, iris scans etc. Then, they will take photographs of your family members for enrolment.
4. You will have to fill up the application form with details about your family and submit it. 
5. After the verification is complete, you will receive an MA health card, a list of empanelled hospitals and a pamphlet about this scheme.

List of Authorities Responsible for Mukhyamantri Amrutum Yojana Enrolment

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.

MA Yojana Health Card Details

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.

How to Renew MA Yojana Smart Health Card

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:

1. Income certificate
2. Previous MA Amrutum card

Mukhyamantri Amrutum App Details

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.

Mukhyamantri Amrutum Yojana List of Network Hospitals

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:

Final Word

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!

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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.