Mukhyamantri Amrutum Yojana (MA Yojana)

MA Yojana: Health Insurance for Vulnerable Populations in Gujarat

Nowadays, India is working to ensure quality healthcare for everyone, regardless of income; however, there is still progress to be made. The Mukhyamantri Amrutum Yojana in Gujarat is an excellent example of efforts to close this gap.

This yojana offers major healthcare services to those with financial difficulties by providing broad medical coverage and reducing treatment costs. While challenges remain, it is a step toward better healthcare access.

Additionally, such initiatives even offer hope for a future where healthcare is affordable and easily accessible to all. Keep reading to learn all the crucial details of this scheme, like features, benefits, eligibility criteria and more. 

What is Mukhyamantri Amrutum Yojana?

Also known as the MA Yojana Gujarat, this health insurance scheme was introduced by the Gujarat government on September 4, 2012. Initially, it was for people below the poverty line (BPL), but later, it expanded to include lower-middle-class families. 

This comprehensive scheme generally covers the complete medical process, from diagnostic tests to post-hospital care.

Overview of Mukhyamantri Yojana

Achievements of Mukhyamantri Yojana

The Mukhyamantri Amrutum has received several awards for its success, which mainly include the CSI-Nihilent e-Governance Award (2013–14) and the SKOCH Award for Smart Governance (2014). 

It also won India's "Gems of Digital" Award and the Best Affordable Healthcare Initiative Award in 2016. These honours highlight its commitment to providing affordable and accessible healthcare through innovative efforts. 

Features of Mukhyamantri Yojana

Here are some of the essential features of Mukhyamantri Amrutum Vatsalya listed below:

●  Beneficiaries are not required to pay any enrollment fees or insurance premiums.
●  The MA Yojana is entirely funded by the government.
●  It also provides financial coverage of up to ₹3 Lakhs per family each year.
●  A maximum of five family members can benefit from this scheme.
●  ASHA workers receive ₹100 for each registered BPL family.
●  Some of the benefits are directly transferred to beneficiaries through RTGS.
●  Monthly health camps are even organized at the district level in collaboration with empanelled hospitals.
●  The scheme's data is managed by (n)Code Solutions using dedicated servers.
●  All operations, including claims, are conducted digitally without paperwork.
●  Beneficiaries can also enrol at any time of the year.
●  Civic Centre and Taluka kiosks are easily available for hassle-free registration.
●  Overall, the process is streamlined and operates without the involvement of mediators.

Benefits of the Mukhyamantri Amrutum Scheme

Here are some of the key Mukhyamantri Amrutum Yojana benefits:

• This scheme provides financial coverage of ₹3 Lakhs per family per year.
• It offers up to ₹5 Lakhs for advanced procedures, including liver transplant, kidney transplant, and combined pancreas + kidney transplant.
• Over 600 medical procedures are covered, such as treatments for cardiovascular, neurological, and renal diseases, cancer, burns, neonatal diseases, hip and knee replacement, and major transplants.
• Each beneficiary is issued a QR-coded card containing biometric data, a unique registration number (URN), a photograph, and district and taluka details.
• The scheme even reimburses up to ₹300 per hospitalization for travel expenses.
• It also covers the cost of transporting mortal remains at ₹6 per km from the hospital to the beneficiary's home.
• All benefits under the PMJAY Scheme are included in this program.

Diseases and Treatments Covered Under MA Scheme

Below is the list of medical departments covered under the MA Vatsalya Yojana:

What are the Exclusions Under the MA Yojana?

While the Mukhyamantri Amrutum Vatsalya covers several treatments, it does not include:

●  Cosmetic procedures, such as plastic surgery, for aesthetic purposes.
●  Some non-emergency procedures. 

Eligibility for MA Scheme

●  BPL

Individuals and families listed in the BPL list by the State Government are eligible for the MA Yojana. All family members must be present during enrollment.

●  APL

For families just above the poverty line (APL), eligibility for the MA Vatsalya Yojana is possible if they meet the following criteria:

●  Annual family income up to ₹4,00,000.
●  Family members who are Accredited Social Health Activist (ASHA) workers.
●  Family members who are accredited reporters.
●  Class-3 and Class-4 employees who are on a fixed payroll by the State Government.
●  Senior citizens with a total family income up to ₹6,00,000. 

How to Enroll under MA Card Yojana?

Only eligible families can enrol and receive benefits from this scheme. Here are some easy steps to enrol under Mukhyamantri Amrutum:

• Government authorities (Taluka and Civic Centers) maintain a list of families with an annual income under ₹4 Lakh, which is also available on the MA Gujarat website.
• To enroll, applicants need to visit Civic Centers or Taluka kiosks, with mobile kiosks available at different locations.
• Biometric information, including fingerprints, iris scans, and family photos, will be captured at the kiosks.
• Applicants must fill out an application form in Gujarati with family details.
• After document verification, an MA card and a pamphlet with details of the scheme and empanelled hospitals will be provided.
• Once the documents are given, the enrollment process is complete.

Documents Required to Apply for MA Scheme

Eligible applicants are required to provide the following documents when visiting the Nodal agency:

• ID Proof (e.g., Driving License/Aadhaar card/PAN Card/Voter ID Card)
• Address Proof (e.g., Ration card)
• Income Proof
• Below Poverty Line (BPL) Certificate
• Other required documents (if applicable) 

Specific Details of MA Scheme Health Card

1. Mobile apps provide information on how to apply for or download the MA Scheme health card, but the person must be present at the kiosk for enrollment.
2. At the enrollment centre, a person will receive the MA Vatsalya card application form (PDF or physical copy) to fill in their details.
3. After enrollment, they can revisit the kiosk to check the status of their MA Vatsalya card.
4. In case the beneficiaries have internet access, they can even log in to the MA Gujarat website to check the MA card status and learn more about the scheme.
5. Beneficiaries are required to present the MA Yojana card during medical emergencies to access coverage.

How to Claim the MA Scheme?

The claim process for Mukhyamantri Amrutum is simple and smooth, with no documentation requirements. Here are the steps to follow:

• Beneficiaries only need to submit their QR card at a network hospital to start the verification process.
• After quick verification and Mukhyamantri Amrutum Vatsalya Card check, treatment can start immediately, and the claims are cashless, easing the financial burden on the patient and family.
• Once treatment is complete, the hospital sends the details to the insurance company, and the claim is settled directly between the hospital and the insurer.

The Mukhyamantri Amrutum Yojana is a major initiative by the Government of Gujarat to improve healthcare access for vulnerable populations. It covers a wide variety of treatments, including critical illnesses, which helps to ease the financial burden on low-income families while supporting their overall well-being.

Star Health also believes that income should not be a determining factor when it comes to availing of quality healthcare. Thus, they enable individuals to get quality coverage starting at just ₹13/day.