Gujarat Karmayogi Swasthya Suraksha Yojana 2025, also called Karmayogi Health Security Scheme, has been launched on 22 September 2025. Chief Minister Bhupendra Patel launched it as a special gift to government employees and pensioners on the first day of Sharadiya Navratri. This scheme will provide cashless medical treatment up to ₹10 lakh per year to families of govt employees & pensioners (G-Category).
Under the Gujarat Swasthya Suraksha Yojana, more than 6.4 lakh people will be covered, including 4.2 lakh government employees and 2.2 lakh pensioners. The scheme is fully funded by the Gujarat state government, costing ₹303.3 crore annually, with a yearly premium of ₹3,708 per family, paid by the government itself.
Application Form & Enrollment Process for Gujarat Karmayogi Swasthya Suraksha Yojana
Beneficiaries do not need to fill any separate application form for this scheme. The enrollment is done automatically by the State Health Agency.
STEP 1: Government employees and pensioners are directly included under the scheme.
STEP 2: Each beneficiary family receives a special “G” series Ayushman Bharat PMJAY-MAA card.
STEP 3: With this card, cashless treatment can be taken in government, equivalent and PMJAY-empanelled hospitals across the state.
STEP 4: No extra application at department level is required, only the card is needed at the time of treatment.
Eligibility for Scheme
The following groups are eligible for Gujarat Karmayogi Swasthya Suraksha Yojana:
- All state government officers.
- Government employees (including All India Services officers) working in Gujarat.
- Pensioners of Gujarat.
- Dependents of employees and pensioners.
Not covered: Pensioners above 70 years who are already getting benefits under Vaya vandana Yojana are not eligible for benefits under this scheme.
Benefits of Scheme
Following are the main benefits of this Karmayogi Swasthya Suraksha Yojana.
- Cashless treatment up to ₹10 lakh per family per year in empanelled hospitals.
- Coverage includes both employees and pensioners along with their dependents.
- No need to pay premium; state government bears full cost.
- New 94 emergency ambulances also launched under this scheme to strengthen health services.
- Even after this, the existing monthly medical allowance of ₹1,000 will continue.
- For cases beyond ₹10 lakh or treatments outside empanelled hospitals, reimbursement will be given as per Gujarat State Service (Medical Treatment) Rules, 2015.
Highlights
| Point | Details |
|---|---|
| Scheme Name | Gujarat Karmayogi Health Security Scheme (Karmayogi Swasthya Suraksha Yojana) |
| Launched By | CM Bhupendra Patel, Government of Gujarat |
| Launch Date | 22 September 2025 |
| Beneficiaries | Govt. employees, officers, pensioners, and their families |
| Coverage | 6.4 lakh people (4.2 lakh employees, 2.2 lakh pensioners) |
| Cashless Limit | ₹10 lakh per family per year |
| Premium | ₹3,708 per family (paid by govt.) |
| Cost to Govt. | ₹303.3 crore annually |
| Card Type | “G” series AB-PMJAY-MAA Card |
| Not Covered | OPD treatments, those already under Vay vandana Yojana (70+ pensioners) |
FAQs
Where can beneficiaries get treatment under this Gujarat Karmayogi Health Security Scheme?
Beneficiaries can take cashless treatment up to ₹10 lakh in all government, equivalent, and PMJAY-empanelled hospitals of Gujarat.
Can beneficiaries directly visit the hospital to avail treatment?
Beneficiaries need to show the special G series AB-PMJAY-MAA card issued under the scheme.
Does this scheme replace the existing medical allowance?
No, the ₹1,000 monthly medical allowance for employees and pensioners continues separately.
Are OPD treatments included in this scheme?
No, OPD treatments are not covered under this scheme.