Mukhyamantri Amrutum Yojana (MA) 2024: Eligibility, Benefits, Coverage

Mukhyamantri Amrutum Yojana:- The Gujarati government introduced the Mukhyamantri Amrutum Yojana, a health insurance programme. When it was first introduced, it was exclusively intended to serve those who were below the state’s poverty line, or BPL, the lowest income category. Later versions of the MA Yojana, however, also provided benefits to families in the lower middle class. This comprehensive health insurance plan covers every step of a medical emergency, from pre-hospitalization care to post-diagnostic testing. For those in need, the Mukhyamantri Amrutam Vatsalya is undoubtedly a blessing. Read the article below to know more about Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana 2024

On September 4, 2012, the Gujarati government launched the Mukhyamantri Amrutum Yojana, a health insurance scheme. At first, it was created only to assist people who fall under the state’s lowest socioeconomic categories, also known as those who are Below Poverty Line (BPL). Subsequent iterations of the MA Yojana, however, additionally benefited families in the lower middle class. In the case of a medical emergency, this all-inclusive health insurance plan covers everything from pre- and post-hospitalization care.

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Gujarat MA Yojana Details in Highlights

Name of the schemeMukhyamantri Amrutum Yojana
Launched byGujarat government
Launched onSeptember 4, 2012
ObjectiveTo provide health insurance
Modeonline
BeneficiariesBelow Poverty Line (BPL)
Benefitgive enrolled members access to medical facilities
StateGujarat
Official Website

Objectives of Mukhyamantri Amrutum Yojana

The enormous costs associated with household health care spending force many people into poverty. The group classified as Below Poverty Line (BPL) is particularly susceptible to serious health concerns. The Mukhyamantri Amrutum (MA) Yojana is a medical care programme that the Gujarat State Government has introduced to address this major risk faced by the BPL people. The program’s goal is to increase BPL families’ access to high-quality medical and surgical care through an integrated panel network of healthcare providers for the treatment of diseases that have been diagnosed. This care will involve hospital stays, surgeries, and therapies.

Features of Mukhyamantri Amrutum Yojana

Some of the key features of Mukhyamantri Amrutum Yojana are mentioned below:

FeatureDescription
Enrollment and PremiumNo enrollment amount or insurance premium needed.
FundingIt is 100% government-funded scheme.
Benefit AmountAnnually up to ₹3 Lakhs per family.
Family LimitMaximum of five family members can avail benefit from this scheme
ASHA Worker IncentiveRs. 100 provided to ASHA workers for each registered BPL family.
Benefit TransferState Government transfers benefits via RTGS.
Health CampsMega and General Health Camps conducted monthly at district level with empaneled hospitals.
Data ManagementDedicated data centers and servers managed by (n)Code Solutions.
Paperless ProcessesAll processes under the scheme are paperless, including claims and other services.
Enrollment PeriodApplicants can enroll throughout the year.
Enrollment ChannelsCivic Centre Kiosks and Taluka Kiosks available for enrollment.
No MediatorsNo intermediaries involved. The process is direct.

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Disease Included in the Mukhyamantri Amrutum Yojana

A wide range of illnesses are covered by the Mukhyamantari Amrutum Yojana, which is beneficial to all Mukhyamantri Amrutum Yojana card holders. Here are a few of them:

  • Burns
  • Kidney disorder
  • Polytrauma
  • Transplants for the pancreas, liver, etc.
  • Neonatal issues
  • Replacement of a joint and kidney
  • Neurological conditions and operations
  • Cardiovascular ailments
  • Malignancies (Cancer)
  • Replacement of the hip and knee
Documents Required

Following are the documents required for Mukhyamantri Amrutum Yojana

  • Address proof like Ration card
  • Identification proof like Aadhaar card, Voter ID card, Driving License, or PAN card
  • Below Poverty Line (BPL) Certificate
  • Income Proof

Eligibility Criteria for Mukhyamantri Amrutum Yojana

Before applying for Mukhyamantri Amrutum Yojana, make sure you fulfill all the eligibility criteria mentioned below:

  • Applicant must belong to Gujarat state.
  • Individuals who earn less than Rs. 1.5 lakh are eligible for this programme.
  • People belonging to lower middle class or BPL families are eligible for this scheme.

Mukhyamantri Amrutum Yojana’s Inclusions & Exclusions

The following clauses are included in the MA Yojana:

  • Coverage of both newly discovered and pre-existing illnesses.
  • Coverage of healthcare services at both public and private facilities.
  • All households falling below the poverty line (bpl) are eligible for free healthcare services.
  • Coverage of important illnesses such as mental illness, cancer, heart disease, kidney problems, and tuberculosis.
  • Providing each family member with health insurance coverage.
  • Periodic medical examinations being made available.
  • Giving bpl families free medications.
  • Giving money to surviving family members of deceased people.

The MA yojana has very few exclusions, including the following:

  • Medical costs incurred for non-essential procedures or treatments are not covered by the plan.
  • It does not pay for any medical costs associated with addiction, mental health, or substance abuse therapy.
  • The expense of medical care or surgical procedures performed overseas is not covered.
  • Any medical costs related to cosmetic procedures are not covered.
  • It does not pay for any medical costs associated with stem cell therapy, organ transplantation, or infertility treatment.
  • Medical costs incurred in pharmacies and laboratories are not reimbursed.

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Application Process of Mukhyamantri Amrutum Yojana 2024

If you are willing to apply for Mukhyamantri Amrutum Yojana, follow the steps below for the application process.

  • Go to the official website of Mukhyamantri Amrutum Yojana.
  • On the home screen go to the apply here option and click on it.
  • A new page will open before you, enter all the required details carefully.
  • Upload the necessary documents.
  • Click on submit option.
  • Save the application form in PDF format for later use.

FAQ’s

Can any cardiovascular or renal condition be treated by insured members?

Yes, in addition to coverage for neurological conditions, cancer, burns, polytrauma, and newborn disorders, the plan also includes coverage for the treatment of cardiovascular and renal problems.

Is there a cost for the beneficiary to enrol themselves?

No payment is required from the beneficiary to register for the programme.

How many family members qualify for the MA Yojana?

Up to five family members can receive coverage under this programme. In this case, a newborn will be considered the sixth member

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