Mukhyamantri Amrutum Yojana (MA Yojana) is a government‑funded health insurance scheme launched by the Gujarat Government to provide cashless medical treatment to economically weaker and low‑income families. Under this scheme, beneficiaries receive significant financial support for hospitalization, surgery, and critical treatments at empanelled hospitals without paying out of pocket at the time of treatment.
What is Mukhyamantri Amrutum Yojana?
Mukhyamantri Amrutum Yojana is Gujarat’s answer to a problem that affects millions: what happens when a family that’s just getting by suddenly faces a medical emergency? Launched by the state government, this scheme was built on a simple belief: your income should not decide whether you get the medical treatment you need to survive.
Here’s what it really means for families: Once you are enrolled, you get a health card (the MA card). Think of it as your passport to healthcare. When you or a family member needs treatment, you simply show this card at any hospital that is part of the network. No cash changes hands. No frantic borrowing from relatives. The hospital treats you, and the government takes care of the bill directly with them.
The scheme focuses on hospitalisation and major procedures - critical illnesses, serious surgeries, the kind of medical situations that would otherwise leave families financially devastated.
Coverage Amount Under MA (Mukhyamantri Amrutum) Yojana
The scheme provides family-floater coverage, meaning the insured amount can be used by any family member. Under the standard plan, a family gets coverage of up to ₹3 lakh in a year. For certain advanced treatments, such as organ transplants, this limit goes up to ₹5 lakh. The coverage resets every year, so families can continue to use the benefit if they need it again.
Who Can Apply for Mukhyamantri Amrutum (MA) Yojana?
The Mukhyamantri Amrutum Yojana is meant to help families who may struggle to afford medical treatment. Eligibility depends on the following factors:
Income-Based Eligibility: Families with an annual income of up to INR 4 lakh can apply under the standard eligibility rules. These families may not be officially poor but still find it difficult to handle the high cost of hospital treatment, surgeries, or long-term care.
Below Poverty Line Families: Below Poverty Line (BPL) families are automatically included under the plan. Since their status is already there in the government database, they are generally not asked to submit separate income proof during registration.
Gujarat Residency Requirement: The scheme is run by the Gujarat government, so applicants must be permanent residents of Gujarat. Proof of residence is required at the time of registration to confirm eligibility.
Special Eligible Groups: Apart from income criteria, certain groups are given special consideration under the Mukhyamantri Amrutum Yojana. These include:
- Class III and Class IV government employees who are working on fixed salaries
- Accredited Social Health Activists (ASHAs)
- Workers registered with recognised welfare boards
- Senior citizens from families with an annual income of up to INR 6 lakh
- U-WIN card holders, who usually belong to the unorganised worker sector
- These groups are included to ensure that people in essential, low-income, or informal jobs also receive health protection.
What Are the Benefits of PMJAY-MA(Formerly MA Yojana)?
- Hospitalisation and Surgical Benefits - When you or a family member needs to be admitted for a major illness or surgery, the scheme covers hospital bed charges, operation theatre costs, surgeons' and specialist doctors’ fees, and all medicines and medical supplies used during treatment.
- Benefits of Critical Illness Treatment - The MA Yojana covers treatment for some of the most serious health conditions families face: Heart disease and cardiac surgeries, cancer treatments like chemotherapy and radiotherapy, kidney problems including dialysis and transplants, liver and pancreas issues, neurological surgeries, and treatment for major burns or severe trauma. These conditions require intensive, often long-term medical care - the kind that demands specialised treatment over months or even years.
- Orthopaedic and Joint Surgery Benefits - If you need something like a knee or hip replacement, the insurance plan will cover it. These operations can make a world of difference when you are struggling with mobility and pain, but the cost often stops people from getting them when they really need to. This benefit means you won’t have to delay surgery that could significantly improve your daily life.
- Neonatal and Pediatric Care Benefits - The scheme covers intensive medical care for newborns who arrive with health complications or need special attention right after birth. This gives families financial breathing room during an already difficult time.
Additional Benefits Under the Mukhyamantri Amrutum Scheme
Beyond medical treatment, the MA Yojana includes practical benefits that help with extra costs:
Travel Allowance: You will get a fixed amount to help with travel expenses to and from the hospital. This is particularly useful if you are coming from a village or rural area where the nearest empanelled hospital might be quite far.
Transport of Mortal Remains: If a patient passes away during treatment, the scheme provides monetary help to transport the body back home.
These might seem like minor things, but when you are already dealing with a health crisis, every bit counts.
Hospitals Covered Under Mukhyamantri Amrutum Yojana
Treatment under the MA Yojana is only available at empanelled hospitals that have been approved by the Gujarat government. The network includes:
- Government hospitals
- Trust-run healthcare facilities
- Select private hospitals that meet the scheme's quality standards
The list of empanelled hospitals is updated regularly to improve coverage across different districts. This makes it more convenient for you to locate an approved hospital in or near your area.
How to Enroll in MA Yojana?
Applicants can visit:
- Civic centers
- Taluka offices
- Designated MA Yojana kiosks
After document verification, the MA card is issued. The card can be used immediately once activated.
Documents required for income verification:
- Aadhaar card
- Ration card or BPL card
- Income certificate
- Proof of Gujarat residence
- Family member details
Once verified, the family is enrolled under the scheme and issued an MA card.
To Conclude
The Mukhyamantri Amrutum Yojana is a lifeline for many residents of Gujarat, providing affordable, accessible medical care to those who might otherwise go without critical treatment. With its extensive coverage, minimal cost barriers, and user‑friendly processes, the scheme stands as one of the state’s key initiatives to protect the health and financial well‑being of its economically weaker sections.
