Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana is a health insurance scheme of the Gujarat government that gives families below the poverty line (BPL) access to quality medical and surgical care. The scheme provides cashless treatment cover of up to ₹5,00,000 per family per year at empanelled hospitals, so poor households do not lose their savings during a medical emergency. Registration for eligible families remains open through the official portal ma.gujarat.gov.in.

Mukhyamantri Amrutum Yojana was launched by the Gujarat government on 4 September 2012. It was started mainly to help families in the lowest income group, especially those listed as Below Poverty Line (BPL). Many households fall into debt when a serious illness strikes because hospital bills wipe out their savings. This scheme removes that worry by linking BPL families to a large network of empanelled hospitals for surgeries, critical care and specialised treatment.

Over the years the scheme has been widened. Families that fall slightly above the BPL line can get cover under the Mukhyamantri Amrutum Vatsalya (MAV) Yojana, which runs alongside the main scheme. The state health department keeps updating the income limits and rules through government resolutions (GRs), and the latest details are available on the official website.

Mukhyamantri Amrutum Yojana - Highlights

Here are the main points of the scheme at a glance.

Benefits

Eligible families receive cashless treatment cover of up to ₹5,00,000 every year at any hospital empanelled under the scheme. The cover includes hospitalisation, surgeries and therapies for serious illnesses, and the family does not have to pay anything at the time of treatment.

The scheme covers a wide range of life-saving treatments, including eye and ENT surgeries, kidney transplants, cancer care and cardiac procedures. The medical packages covered are given below.

Eligibility

Families whose names appear on the official BPL list of the Gujarat government are eligible for this scheme. All family members should be present during the enrolment process. Families that fall slightly above the poverty line can apply under the Mukhyamantri Amrutum Vatsalya (MAV) Yojana if they meet any of these conditions:

• The family's annual income is up to ₹4,00,000.
• Any family member works as an Accredited Social Health Activist (ASHA).
• Any member is an accredited reporter.
• A member is a Class-3 or Class-4 employee on the fixed payroll of the state government.
• Senior citizens belong to a family with a total annual income up to ₹6,00,000.

For example, if Ramesh is a government Class-4 employee earning within the fixed payroll limit, his family can get cover under these criteria.

Application Process

STEP 1 - Visit the official website ma.gujarat.gov.in or go to your nearest civil hospital, taluka-level centre or common service centre (CSC). Registration kiosks are also available at E-Gram centres, UTI-ITSL centres and nCode agency centres.

STEP 2 - Carry your income certificate, a government ID such as Aadhaar or voter ID, and proof of residence. BPL families should also carry their BPL certificate.

STEP 3 - At the centre, the staff will capture your fingerprints, iris scan and photo for biometric verification.

STEP 4 - Fill the application form in Gujarati. Once the details are checked, the authorities issue the health card and your enrolment is complete.

Documents

Keep these original documents ready for a smooth registration.

• Valid income certificate.
• Government ID proof such as Aadhaar card or voter ID.
• Proof of residence such as a ration card or recent utility bill.
• Supporting documents for special categories like widows or orphans.
• BPL certificate for primary applicants.

References

Official Portal of Mukhyamantri Amrutum Yojana | Official Scheme Details | Official Guidelines

FAQ's

How many family members are covered under this scheme?

A maximum of 5 members can be enrolled per family. A newborn child can be added as the 6th member.

Who is eligible under this scheme?

BPL families, families with an annual income up to ₹4,00,000, ASHA workers, accredited reporters, fixed-pay state government employees (Class 3 and 4), and senior citizens with family incomes up to ₹6,00,000 are eligible.

What documents are required for enrolment?

You must provide address proof, identity proof, a BPL certificate and a valid income certificate.

What is the extent of financial coverage?

Each eligible family receives cashless tertiary medical cover of up to ₹5,00,000. The scheme also gives ₹300 to help with transport costs to the hospital.

Which surgeries are covered?

The scheme covers 153 cardiovascular, 49 neurosurgery, 12 burn-related, 8 poly-trauma, 210 cancer-related, 21 kidney-related and 23 neonatal treatment packages.

What is the application process?

You can apply online at ma.gujarat.gov.in or visit a local kiosk at a taluka or civic centre. The staff capture your biometric data, check your documents and issue the health card after verification.