MAA Card Eligibility, Coverage, and Benefits : Mukhyamantri Amrutum Yojana

Updated on Jan 31, 2024

A blessing in disguise for the economically weaker sections in Gujarat, let’s learn more about the Mukhyamantri Amrutum Yojana, the MAA card eligibilty, the policy coverage, its benefits, and more. 

Keeping in line with the initiative of the Government of India to ensure quality healthcare services to each and every person in the country, all state governments make equal efforts to make this dream a reality.

The Mukhyamantri Amrutum Yojana launched by the government of Gujarat is an example in this regard. The scheme was launched in the state with the initial intent to provide healthcare coverage to the BPL or Below Poverty Line segment in Gujarat. However, the scheme was later modified to include lower middle-class households too.

What is Mukhyamantri Amrutum Yojana?

Mukyamantri Amrutum or MA Yojana is a state-run health insurance scheme designed to provide complete coverage to a person for all of their healthcare needs. This includes everything from diagnosis of the condition, diagnostic tests, hospitalization expenses, as well as post-hospitalization care. The scheme was launched by the Gujarat government on September 4, 2012. Over the last 10 years, the scheme has proved to be a blessing in disguise for the financially weaker sections of the state population.

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Key Highlights of Mukhyamantri Amrutum Scheme

Features of Mukhyamantri Amrutum Yojana

The Mukhyamantri Amrutum is a perfect health plan created for the benefit of needy people.  Here are some features of the plan:

• The beneficiary is not required to pay any premium or enrolment amount under the plan
• This is a scheme funded 100% by the government
• The scheme offers up to INR 3 Lakhs per year per family as a benefit amount
• The plan allows a maximum of five members of a family to avail the benefits
• The scheme offers an incentive of INR 100 to ASHA Workers for each BPL family registered under the plan
• The benefits under the scheme are transferred to the beneficiary by the State Government using RTGS
• The scheme organizes mega health camps per month at the district level in the empaneled hospitals
• The claim and other processes under the scheme are done in a paperless way
• There is no specific enrolment period under the plan and beneficiaries can enroll throughout the year
• There are no intermediaries involved in the process as it is done directly by the government

Benefits of Mukhyamantri Amrutum Yojana

Below are some of the key benefits of the scheme:

How Does the Mukhyamantri Amrutum Yojana Work?

In order to avail health insurance coverage benefits under the scheme, the policyholder is required to have an MAA card, presenting which they can seek coverage as a beneficiary under the policy. To enroll for the MA Amrutam card, the policyholder is required to be physically present at the enrollment kiosk. Alternatively, the MAA card can also be downloaded online on certain mobile apps.

Now, while seeking health insurance coverage under the scheme during a medical emergency, the beneficiary is required to submit the MAA card in Gujarati. Upon presenting the card, the beneficiary is entitled to receive health insurance benefits as part of the Yojana.

Let us learn a little more about how to enroll for the Amrutam card below.

How to Enroll for a MAA Card?

Here are the steps to apply for the Amrutam health card:

1. You would need to be physically present at the enrollment center for getting enrolled for the MAA card.
2. Fill out the MA Vatsalya Card application form with all the required information.
3. Once enrolled into the Yojana, you may visit the kiosk again to check the status of your Mukhyamantri Amrutum Vatsalya card.

Note: In case you wish to enroll for the MA Amrutam card online, apply by following the simple steps detailed below.

• To obtain the MAA card online, apply on the official portal of MA Gujarat (http://www.magujarat.com/).
• You may also log on to the website to know more details about the MA Yojana.
• As for the MA Amrutam card validity check online, it can be done by simply logging in to the portal with your login credentials.

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How to Check MAA Card Eligibility for Mukhyamantri Amrutum Yojana?

Only certain sections of the state population are eligible to apply for the MAA card. To know whether or not you can apply for the MA Scheme, check out the criteria listed below:

• If your family is listed in the Below Poverty Line or BPL category list of the state government of Gujarat
• If the annual income of your family is up to Rs. 400,000
• If you or your family members fall under the Class 3 & 4 employees on fixed payment, as appointed by the state government
• If you are a senior citizen of a family whose total annual income is up to Rs. 600,000
• If you are an Accredited Social Health Activist (ASHA) employee

If you belong to any of the above categories, you are eligible to apply for the Mukhyamantri Amrutam Yojana of the Gujarat government.

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MA Amrutam Card Hospital List

To avail of treatment under the MA yojana, the beneficiary has to visit a network hospital under the plan. The table below has the names of most of the hospitals under the scheme. The Mukhyamantri Amrutum App as well as the local kiosks also have the complete hospital list.

Coverage of Mukhyamantri Amrutum Yojana (MA Yojana) – What is Included?

To avail the health insurance benefit under the scheme, it is important to know the various diseases and health conditions that are provided coverage for. Here is a list of some of the diseases and treatment procedures covered under the Yojana for your reference:

• Cardiological procedures
• General surgical procedures
• Knee replacement surgery
• Hip replacement surgery
• Neonatal treatment packages
• Ophthalmological procedures
• Organ transplants
• Pediatric surgical procedures
• Surgical Oncology treatment

Also Read: List of Diseases Covered Under Star Health Insurance Plans

Exclusions of the Mukhyamantri Amrutum Yojana (MA Yojana) – What is Not Included

While the Mukhyamatri Amrutum Yojana covers a wide range of health treatments and procedures as listed above, there are certain areas that do not fall in the coverage area of the scheme.

For instance, some non-emergency medical procedures may not be covered under the scheme. Also, cosmetic procedures such as plastic surgery for enhancement of aesthetics do not find mention in the coverage area of the Yojana.

What are the Various Diseases/Conditions Covered Under MA Yojana? 

Several diseases are covered under the MA scheme making it an extensive list. The cardholder of the MA yojana can avail of benefits as mentioned in the table below:

List of Authorities Responsible for the MA Yojana Verification Process

Below is a list of concerned authorities responsible for verifying the process of enrolment of MA yojana:

District Level Authority

• Deputy Mamlatdar

Taluka Level Authorities

• Administrative Officers from the Taluka Health Office
• Appointed Officer at A.T.V.T. Centers
• Nagar Palika Chief Officer
• Multipurpose Health Worker/ Female Health Worker (For Mobile Kiosk only)
• Taluka Development Officer
• Taluka Female Health Supervisor
• Taluka Health Officer
• Taluka Education, Information, and Communication Officer
• Taluka Mamlatdar

Municipal Corporation Authority

• Appointed Officer of Civic Center in Municipal Corporation Area
• All permanent employees of government offices in the area under the corporation

Documents required for MAA Card

Eligible beneficiaries can enroll under the MA yojana by visiting the appointed Nodal agency with the below set of documents:

• Proof of address (Ration card)
• Proof of ID (Aadhaar, DL, Voter ID, PAN, etc.)
• BPL or Below Poverty Line Certificate
• Proof of income
• Other documents as needed communicated by the authorities to the applicant

Process to Renew the Smart Health Card of Mukhyamantri Amrutum Yojana?

For availing of continued benefits under the MA Yojana, the plan beneficiaries must renew their health card once it expires. The validity period of the health card under the scheme has been increased to 3 years from the earlier 1 year. The renewal can be done by getting in touch with customer care or visiting a kiosk appointed for the purpose. You may require your Income Certificate and Previous MA card for the renewal process.

How to Access the Mukhyamantri Amrutum App?

The Mukhyamantri Amrutum App can be used to find information like impaneled hospitals, a list of total hospitals, contact details, scheme features, and more. You can easily install the app from the Play Store on your Android mobile phone. The app will also help you locate the hospital quickly in case of a medical emergency.

Process to Download Application Form for the MA Yojana?

Visit http://www.magujarat.com/search.html to reach the Mukhyamantri Amrutum website. You can locate your nearest Kiosk with the help of this link and from the kiosk, you can get the application form.

It is not required for the applicants to get the PDF form of the MA Amrutam Yojana to enroll under the scheme.

Process to Raise a Claim under MA Yojana?

The claim process under the MA yojana is very simple and hassle-free. The beneficiary isn’t required to submit any papers while raising a claim.  All they need is to submit the QR health card offered under the plan to a network hospital. Once the card is submitted, the verification process starts and the treatment starts as soon as the quick verification is over. Hence, there is no waiting period for the patient to initiate the treatment. Also, being cashless claims, the financial burden on the family of the policyholder is removed under the plan.

Once the treatment is done the network hospital shares the hospitalization details with the insurer and the payment gets done without the involvement of the beneficiary.

Conclusion

The Mukhyamantri Amrutum Yojana is run by the Gujarat government for the economically weaker sections of the society with a view to providing them quality healthcare and easily affordable cost. The scheme has a number of benefits for the BPL and lower middle-income households and covers a wide array of areas for insurance coverage. To know more about the scheme, visit the official portal www.magujarat.com.

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