Mukhyamantri Amrutum Yojana

The Mukhyamanti Amrutum Yojana (MA Yojana), a health initiative established by the Gujarat state government on September 4th, 2012, aims to give BPL (Below Poverty Line) households in Gujarat financial assistance so they can access the best medical and surgical care possible for their ailments. A cashless health card is provided to beneficiaries so they can use it to access the program's advantages.

The Gujarat state government expanded the program's advantages when the public recognised its value. Currently, it covers households earning up to INR 4,00,000 annually. The programme is now known as the Mukhyamantri Amrutum Vatsalaya Yojana.

Families in Gujarat that earn less and live below the poverty line are given financial assistance through this programme. This plan was eventually altered to accommodate lower middle-class families in the state, even though it was initially created for families living below the poverty level. The updated programme, known as Mukhyamantri Amrutum Vatsalya Yojana, now covers and caters to more families.

The main advantages provided by MA Yojana are:

• Coverage for medical costs totalling INR 5 lakh per family annually.
• INR 300 in travel expenses for each hospital stay.
• It also provides all the advantages of the PMJAY Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.
• Diagnostic costs, hospital registration fees, surgical costs, medication costs, patient meal costs, admission costs, hospital fees, post-surgery follow-up costs, and transport costs are also covered by insurance coverage.

MA Yojana includes the following provisions:

• Coverage of pre-existing as well as new diseases.
• Coverage of medical treatments in government as well as private hospitals.
• Free-of-cost healthcare services to all the Below Poverty Line (BPL) families.
• Coverage of diseases like tuberculosis, cancer, heart, kidney, mental illness, and other critical illnesses.
• Provision of health insurance coverage to all the members of the family.
• Provision of medical check-ups at regular intervals.
• Provision of free medicines to BPL families.
• Provision of financial assistance to the families of deceased individuals.

There are only a few exclusions from the MA Yojana, such as:

• The scheme does not cover medical expenses incurred for non-essential treatments or procedures.
• It does not cover any medical expenses for treatment related to substance abuse, addiction or mental health.
• It does not cover the cost of medical treatment or surgical procedures undertaken abroad.
• It does not cover any medical expenses incurred for cosmetic procedures.
• It does not cover any medical expenses related to infertility treatment, organ transplantation and stem cell therapy.
• Medical expenses incurred in laboratories and pharmacies are not covered.

The eligibility prerequisites for MA Yojana are as follows:

• You should have a yearly income of up to INR 4 lakhs
• In addition, you must possess a U-win card.
• All the Accredited Social Health Activists (ASHA) employees who come from households below the poverty line and whose information is listed on the district BPL list made by the state government's rural development department and urban development department can benefit from this scheme.
• The state government appoints class 3 and Class 4 personnel with fixed salaries.
• Seniors from homes makeup to INR 6 lakh per year or annually.

The Mukhyamantari Amrutum Yojana, which benefits all owners of Mukhyamantri Amrutum Yojana card, covers a broad range of illnesses. Some of them are as follows:

• 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

Besides this, Obstetrics and Gynaecology, Pediatric Surgery, Paediatric medical management, Interventional neuroradiology and Radiation oncology are also covered under MA Yojana.

Apart from the above issues and disorders, there is a list of surgeries covered under the Mukhyamantri Amrutam Yojana.

• Paediatric surgery
• Burns and plastic surgery
• Cardiothoracic and vascular surgery
• General surgery
• Genitourinary surgery

For this Yojana to provide medical benefits, an eligible person must enrol in the programme for this Yojana to provide medical benefits. The Mukhyamantri Amrutum Yojana enrollment procedure is relatively straightforward. 

• The recipient family members must enrol in the Mukhyamantri Amrutum and Mukhyamantri Amrutum Vatsalya Yojana by visiting kiosks at Taluka or Civic Centers in their area.
• The State Government has also implemented mobile kiosks at the local level to reach an influential number of eligible families.
• The recipient might need to complete the Mukhyamantri Amrutum Yojana card application form in Gujarati with accurate family information.
• The beneficiary will receive a Mukhyamantri Amrutum Yojana card, a leaflet on the plan, and a list of hospitals that have been granted empanelled status after the paperwork is verified.
• Once a family obtains these documents, the enrollment process is complete.

When visiting the designated Nodal agency, the person who is entitled to enrol under MA Yojana should have the following collection of documents:

• Address verification, such as a ration card or electricity bill
• Identity proof such as a driver's licence, voter ID card, Aadhaar card, or PAN card
• Certificate of belonging below the poverty line, a BPL card
• Income Evidence

The Mukhyamantri Amrutum Yojana's claim procedure is much simpler and more streamlined than traditional health insurance. Follow these steps to claim the benefits of this scheme:

• Go to the official website of the Gujarat government.
• Select the 'Mukhyamantri Amrutum Yojana' link.
• Fill out the online application form with all relevant details.
• Upload the necessary documents (like Aadhar Card, Income Certificate, etc.)
• Submit the application form and take a printout of the same.
• Visit the nearest health centre to get registered under the scheme. 
• The health centre will verify the documents and send the confirmation to the applicant.
• After successful registration, the beneficiary will get free medical treatment under the scheme.

Enrollment does not require submission of the MA Yojana application form in PDF format. To find the closest kiosk, visit the Mukhyamantri Amrutum website instead. The application form is available at the kiosk itself.

To apply for the MA Yojana, follow the instructions below:

• Beneficiaries are required to visit the nearby kiosk to apply for this programme.
• Beneficiaries needed to request an application form, which they must complete with the necessary information. After that, the beneficiary must upload the necessary paperwork.
• Beneficiaries are now required to submit this form via the kiosk.

You can apply for the Mukhyamantri Amrutum Yojana by following the above process.

The Mukhyamantri Amrutum card cannot be downloaded or applied online. Instead, you must go to the enrollment centre and complete the Gujarati application form with your information. When you arrive at the enrollment centre, you will be handed a physical document or the MA Vatsalya card application form pdf to complete. You can return to the kiosk to verify the status of your Mukhyamantri Amrutum Vatsalya card after the enrollment procedure is complete. If you have a working internet connection, you can utilise the MA login on the MA Gujarat website to learn more about the program's many elements.

An android phone can have the Mukhyamantri Amrutum Yojana App installed through the play store. In addition, a few helpful apps for MA Yojana contain things like contact information, programme features, etc. These e programmes can help you find the closest accredited hospital. This app also contains the list of hospitals empanelled under this scheme.

The MA health card is only acceptable for three years before needing to be renewed. You can complete the renewal process by below steps:

• Calling their customer service line or going directly to the designated Nodal Agency and showing them your old Mukhyamantri Amrutum card and income certificate.
• On any working day, you should phone them after 6 p.m. to connect quickly with a customer care representative.

Because of its benefits and effectiveness, Mukhyamngtri Amrfutam Yojana has won several appreciation and awards. Some of these are:

• SKOCH Awards for Smart Governance 2014
• CSI-Nihilent e-Governance Awards 2013–14
• India's "Gems of Digital" Award 
• Best Affordable Healthcare Initiative 2016 Award

Getting health insurance is a wise investment. Niva Bupa's best health insurance plans offers cashless claim settlements at hospitals. In addition, you can use the health insurance premium calculator to calculate the policy cost if you are concerned about it.