Mukhyamantri Amrutum Yojana

About the Mukhyamantri Amrutum Yojana

Medical emergencies have long-lasting impacts on the physical and mental health of patients. Not to mention, the financial crisis they tend to leave can be severe. This is especially true when it comes to financially underprivileged individuals who are likely to get entangled in a world of debt when faced by medical emergencies. 

To protect people from financial catastrophes as well as provide comprehensive coverage, the Government of Gujarat launched a healthcare policy called Mukhyamantri Amrutum Yojana in 2012. The scheme originally targeted people below the poverty line in Gujarat but was later extended to include people belonging to the lower-middle-class group as well. 

This modified version of Mukhyamantri Amrutum Yojana is called Mukhyamantri Amrutum Vatsalya Yojana.

This comprehensive health coverage scheme offers complete financial protection to the insurer. It includes expenses of diagnosis, and pre-and post-hospitalization. Benefits are extended to 5 members in a family along with the insurer. The plan also facilitates insurers to include newborn infants as the sixth entry. 

The rural and urban Social Health Activists (acknowledged by the Government) and senior citizens with a family income less than INR 6 lakhs are also listed as beneficiaries under this policy.

    • Annual benefits: The family covered under this scheme receives up to INR 3 lakhs every year as compensation for medical expenses on a Family Floater basis. 
    • Transportation Cost: For every medical condition that requires hospitalization, MA Yojana offers INR 300 to cover the transportation cost as most of the beneficiaries are from rural areas where immediate transportation is a challenging and expensive affair. 
    • Repatriation after death: In case of the demise of the insurer, the charge for bringing the mortal remains back home will be compensated as INR 6 for every kilometer. 
    • Kidney Transplantation: The scheme offers up to INR 5 lakhs for transplantation of kidney, liver, and kidney + pancreas. 
    • Coverage of major diseases: Major diseases that demand a huge amount for treatment and subsequent recovery are covered under this policy. The list includes Cardiovascular diseases, Renal issues, Neurological ailments, Hip & knee replacement surgeries (up to INR 40,000), Liver transplantation procedures (up to 5 lakhs), and so on. A total of over 600 diseases are covered under this scheme. 
    • Quick Response cards to avoid discrepancies: Each beneficiary of this scheme will be given a card that is QR-coded and has biometric thumbprints, photos, and URN (Unique Registration Number) with the district and taluka details. 
    • PMJAY benefits: The policy guarantees to provide the beneficiaries with all the benefits listed under PMJAY Scheme. 
    • Completely free of cost: The beneficiaries need not pay any premium or registration charges. The scheme is completely funded by the Government. 
    • Frequent medical camps: The scheme organizes Mega and General Medical camps in every district on monthly basis. The camps are coordinated by both private and Government enlisted hospitals. 
    • Efficient health data storage: The health data of all the beneficiaries are carefully stored in exclusive data centers with dedicated servers. These data can be retrieved for future reference. 
    • Hassle-free claims: The claims and other services are provided without any complicated paperwork. 
    • Top-quality services: The services provided by the Mukhyamantri Amrutum Yojana scheme are recognized and accredited by the International Society of Quality Healthcare.
    • Easy enrolment: Several kiosks have been set up at Civic centers and Talukas for the beneficiaries to facilitate easy enrollment and scheme modifications. 
    • No middlemen: As this is not a regular insurance policy, middlemen are not involved in any process of the scheme. The benefit amounts are transferred directly to the beneficiaries by the State Government through RTGS mode. 
    • Network hospitals: The scheme has a network of over 10,000 hospitals where the beneficiaries can avail cashless benefits. Here is a list of Public Hospitals included in the Mukhyamantri Amrutam Yojana network: 

    Civil Hospital Ahmedabad


    General Hospital – Gandhinagar


    General Hospital Sola


    General Hospital, Dahod


    Gmers General Hospital


    Gmers Hospital Valsad


    Gmers Medical College & General Hospital, Gotri


    Gmers Medical College & Hospital, Dharpur, Patan


    Gmers Medical College Hospital Himmatnagar


    Govt. (Ch & Sc ) Spine Institute


    Guru Gobind Singh Govt Hospital


    Institute Of Kidney Diseases And Research Centre


    L.G. General Hospital


    New Civil Hospital – Surat


    Pandit Deendayal Upadhyay Civil Hospital, Rajkot


    Sheth Vadilal Sarabhai General Hospital & Shcth Cmh


    Siddhapur Cancer Hospital


    Sir Takhtasinhji General Hospital - Bhavnagar


    Smt. S.C.L. Muni.Gen.Hospital


    Ssg Civil Hospital


    Surat Municipal Institute Of Medical Education & Research Hospital


    The Gujarat Cancer & Research Institute - M.P Shah Cancer Hospital


    U. N. Mehta Institute Of Cardiology & Research Center


    Tax benefits: The MA Yojana scheme is given tax exemption up to INR 50,000 under section 80D of the Income Tax Act 1961.



    Medical Costs

    INR 5,00,000 on an yearly basis to every family

    Travel Expenses

    INR 300 for every hospitalization period

    Tax Benefits

    Upto INR 50,000


    INR 6 per kilometre covering the distance to the hospital from the insurer's place of residence.

    Added Benefits

    Full PM-JAY benefits (Ayushman Bharat Pradhan Mantri Jan Arogya Yojana)


    The Mukhyamantri Amrutum Yojana provides comprehensive coverage against a wide range of diseases. Here is a table covering the diseases covered under the plan:

    Plastic surgery for burns

    Nephrology procedures

    Vascular and Cardiothoracic operation

    Neurology and related surgeries


    Gynecology (maternity and childbirth)

    Emergency room charges

    General medications

    Ophthalmological procedures

    Oral and maxillofacial surgeries

    General operations

    Organ transplant and related procedures

    Renal surgery and treatment (Genitourinary tract)

    Orthopedics and related procedures.

    Interventional neuroradiology

    Knee and hip replacement surgery


    Pediatric surgeries (for newborn and infants)

    Medical oncology

    General pediatric management

    Package for mental disorders and psychological issues.

    Radiation oncology (cancer treatment)

    Neonatal packages (For newborn)

    Surgical oncology

    • No time frame: No particular time frame is stipulated in the scheme for enrollment and the beneficiaries can enroll themselves at any time in the scheme.
    • Health cards in Gujarati: The details of the MA card that the beneficiaries need to fill in are printed in Gujarati for easy understanding of the rural people. After verifying the details, the health card is distributed to the beneficiaries. To access the MA Amrutam card disease list in Gujarati, buyers can visit the GujGov Schemes website.
    • Extension of service to lower-middle-class families: The scheme was extended to include lower-middle-class families in the name of Mukhyamantri Amrutum Vatsalaya Yojana. MA Vatsalaya Yojana offers free medical treatment to those families that do not fall under BPL (Below Poverty Line).
    1. Coverage of medical expenditures up to INR 5 lakhs per year for the beneficiary family.
    2. Transportation expenses to the hospital are compensated with INR 300. 
    3. Repatriation of mortal remains (in case of the beneficiary's death) for 6 rupees per km from the hospital to the beneficiary's home. 
    4. All benefits listed under PMJAY Ayushman Bharat Pradhan Mantri Jan Arogya Yojana are provided to the beneficiaries.
    5. The coverage includes expenses of diagnosis, hospitalization, post-operative care, and travel. 
    6. The employees under fixed pay of the State Government (Class 3 and Class $ employees), reporters, and rural & urban Social Health Activists recognized by the Government were included under this scheme in the financial year 2017-2018.
    1. The coverage does not include non-emergency treatments and procedures.
    2. Cosmetic surgery (plastic surgery), aesthetic procedures are not covered under this scheme.

    Mukhyamantri Amrutum Yojana is a government-sponsored scheme that is widely lauded by customers for its range of benefits and supportive care. It has a series of awards to its name. The scheme is appreciated for its holistic approach towards medical aid for both lower-class and middle-class families. 


    Here is a list recognitions awarded to the Mukhyamantri Amrutum Vatsalya Yojana:  

    1. SKOCH awards in 2014 for Smart Governance
    2. CSI-Nihilent e-Governance award (2013-14)
    3. Best affordable healthcare initiative (2016)
    4. Gems of Digital award (2017)
    5. Best Accessible Healthcare award by ELETS (2018)

    Mukhyamantri Amrutum Yojana FAQs

    How many family members can be included under MA Scheme?

    MA Scheme offers coverage to 5 members of a family (self, spouse, and 3 dependent children) against medical expenditures. The benefits can be received directly in the beneficiary's account through RTGS transfer.

    Does the Mukhyamantri Amrutum Yojana Scheme cover pre-existing illnesses?

    The scheme offers coverage to all pre-existing diseases without any waiting period. The benefits for all kinds of pre-existing diseases can be availed with MAA Amrutum card from the date the policy begins.

    What are the services offered at MA Yojana Kiosk?

    The beneficiaries of the MA Yojana scheme can visit any kiosk and avail of the following services:
    Replacing the lost Mukhyamantri Amrutum Yojana card with a new one.
    New beneficiary enrollment
    Application for the Split card.
    Addition or deletion of numbers in the policy.
    Updating migration details
    To rectify errors in the existing MA Vatsalya Yojana card.

    How can you reach the customer service center of MA Yojana?

    The customer assistance number of MA Yojana is 1800-233-1022. Any queries related to the scheme can be clarified in the helpline number.

    Officials can be reached at the following address:

    Mukhyamantri Amrutum Yojana,
    Commissionerate of Health,
    Block-5, Jivaraj Mehta Bhavan,
    Gujarat- 382010.

    How to get the application form for enrollment?

    The website of Mukhyamantri Amrutum Yojana provides the details of the nearest kiosk where the application form is available.

    What are the eligibility criteria for enrolling in the Mukhyamantri Amrutum Yojana?

    The rural and urban development department of the State Government releases a list of people falling below the poverty line (BPL). Only those people are eligible to enroll in the scheme and avail of its benefits.