Access to quality medical care needs to be provided to every Indian irrespective of the income group they belong to. This is an ideal scenario, however, it is not 100% true in this matter. India is a developing nation and steps are being taken to provide easy access to health care. One such step in the right direction is the launch of Mukhyamantri Amrutum Yojana in the state of Gujarat. Through this health insurance plan, the government aims to facilitate as many people into availing quality health care services as possible.
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What is Mukhyamantri Amrutum Yojana (MA Yojana)?
The Mukhyamantri Amrutum Yojana is a health insurance scheme launched by the Government of Gujarat on 4th September 2012. It was initially launched only to cater to people who fall under the lowest income groups of the state i.e. Below Poverty Line (BPL). However, later iterations of MA Yojana extended benefits to lower-middle-class families as well. This is a holistic health insurance scheme that pays for the entire cycle of a medical contingency, from diagnostic tests to post-hospitalization care. The Mukhyamantri Amrutam Vatsalya is truly a boon for those in need.
Features and Benefits of Mukhyamantri Amrutum Yojana:
Mukhyamantri Amrutam Vatsalya is a prime example of a health scheme that is created truly for the benefit of the people. Here are the features of the plan:
The beneficiary of the scheme does not have to pay any amount for enrolment or as insurance premium. This is a 100% state-funded scheme.ASHA workers that help BPL families to register under the scheme are given Rs. 100/- per family as an incentive. Mega and General Health Camps are conducted on district levels with the help of both – private and government-empanelled hospitals on a monthly basis.Dedicated data centres and servers are used to store and manage data with the help of an IT agency called (n)Code Solutions.Fully paperless processes like claims and other services.International Society for Quality in Healthcare accredited services that pay 10% more than the package rates to hospitals.Empanelment of both – private and public/trust/Grant-In-Aid hospitals to encourage healthy competition.Benefits Mukhyamantri MA Yojana:
Following are the major benefits of this insurance scheme, more information about the coverage can be gathered by calling a dedicated customer care number for the plan.
CoverageBenefitsMedical expensesRs. 5,00,000/- per family per annumTravel chargesRs. 300/- per hospitalizationRepatriation of remainsRs. 6/- per kilometre from the hospital to the place of residence.Additional benefitsAll benefits of the PM-JAY package i.e. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
The following things are also covered under MA Yojana:
DiagnosticsHospital registrationAdmission chargesFood for the patientSurgeryPost-surgery follow-up servicesMedicinesTravel expensesList of Diseases And Treatments Covered Under MA Yojana: Inclusions:
The MA Amrutam Yojana disease list is a long one as many treatments are covered under the scheme. This makes it a beneficial health insurance plan as the MA cardholder will mostly not be denied treatment just because it is not covered under the plan. Here is the list of medical departments that are covered by MA Yojana:
Burns and plastic surgeryNephrologyCardiothoracic & vascular surgeryNeurosurgery neurologyCardiologyObstetrics and gynaecologyEmergency room packagesOphthalmologyGeneral medicineOral and maxillofacial surgeryGeneral surgeryOrgan transplant packagesGenitourinary surgery (renal)Orthopaedics and polytraumaInterventional neuroradiologyOtorhinolaryngologyKnee & hip replacementPaediatric surgeryMedical oncologyPeaediatric medical managementMental disorder packagesRadiation oncologyNeonatal packagesSurgical oncologyTreatments coveredWhat Is Not Covered? – Exclusions
The Mukhyamantri Amrutum Yojana provides coverage for a large number of medical treatments. Since this scheme is created for low-income families, no specific exclusions are mentioned. However, the following treatments may not be covered under .
Eligibility For Mukhyamantri Amrutum Yojana:
MA Amrutam Yojana eligibility is limited to certain families that have low annual income. If your income exceeds the pre-decided amount, or you do not belong to a specific occupation, you may not be allowed to enrol under the scheme. Take a look at the following conditions of eligibility:
A family that is listed in the Below Poverty Line (BPL) list. This list is created by the State Government. All the members of the family must be present in order to get enrolled under the MA Yojana.
Eligibility For MA Vatsalya Yojana:
Families belonging marginally above the poverty line can enrol under the MA Vatsalya Yojana. Other beneficiaries can also enrol in this scheme. Here are the conditions of eligibility:
Family’s annual income is up to Rs. 4 LakhAccredited Social Health Activist (ASHA) workersAccredited ReportersClass 3 & 4 employees appointed by the state government who are on a fixed payU-win Card holdersSenior citizens belonging to families where the annual income is up to Rs. 6 Lakh.
MA Amrutam Yojana eligibility is limited to certain families that have low annual income. If your income exceeds the pre-decided amount, or you do not belong to a specific occupation, you may not be allowed to enrol under the scheme. Take a look at the following conditions of eligibility:
A family that is listed in the Below Poverty Line (BPL) list. This list is created by the State Government. All the members of the family must be present in order to get enrolled under the MA Yojana.
Eligibility For MA Vatsalya Yojana:
Families belonging marginally above the poverty line can enrol under the MA Vatsalya Yojana. Other beneficiaries can also enrol in this scheme. Here are the conditions of eligibility:
Family’s annual income is up to Rs. 4 LakhAccredited Social Health Activist (ASHA) workersAccredited ReportersClass 3 & 4 employees appointed by the state government who are on a fixed payU-win Card holdersSenior citizens belonging to families where the annual income is up to Rs. 6 Lakh.
- District-wise list of government hospitals: CLICK HERE
- Private hospitals
- CLICK HERE to download the district-wise list of hospitals for AM Vatsalya Yojana
- Standalone dialysis center: CLICK HERE
More Details & References:
- Mukhyamantri Amrutam (MA) Vatsalya Yojana official website: magujarat.com
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