AI SummaryGujarat Karmayogi Swasthya Suraksha Yojana, also called Karmayogi Health Security Scheme, provides cashless medical treatment up to ₹10 lakh per year to families of government employees and pensioners in Gujarat. Chief Minister Bhupendra Patel launched the scheme on 22 September 2025 as a special gift to government employees and pensioners on the first day of Sharadiya Navratri.
Under this scheme, more than 6.4 lakh people are covered, including 4.2 lakh government employees and 2.2 lakh pensioners. Gujarat state government fully funds the scheme, spending ₹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. State Health Agency does the enrollment automatically for all eligible employees and pensioners.
STEP 1 - Government employees and pensioners are directly included under the scheme by the State Health Agency.
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.
For enrollment, the head of the office where the employee is serving issues a certificate showing the details of eligible dependent family members. For pensioners, this certificate is issued by the District Treasury Officer, Sub-Treasury Officer, Pension Payment Officer or Pay and Accounts Officer of the district from which the pension is drawn. Aadhaar number of each family member is also required for E-KYC.
Eligibility for Scheme
The following groups are eligible for Gujarat Karmayogi Swasthya Suraksha Yojana:
- All state government officers working in any department of Gujarat.
- Government employees, including All India Services officers serving in Gujarat.
- Pensioners of Gujarat state government.
- Dependents of employees and pensioners as per the family definition under the scheme.
Not covered: Pensioners above 70 years who are already getting benefits under Ayushman 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 government, equivalent and PMJAY-empanelled hospitals.
- Coverage includes state government employees, pensioners and their dependents.
- No premium payment needed, state government bears the full cost.
- 94 new 108 emergency ambulances were also launched with the scheme to strengthen health services.
- Existing monthly medical allowance of ₹1,000 continues for employees and pensioners.
- For cases beyond ₹10 lakh or treatment outside empanelled hospitals, reimbursement is 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 Vaya Vandana Yojana (70+ pensioners) |
FAQ's
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.