MAY

Mukhyamantri Amrutum Yojana

7.2/10

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).

State In Kind

States / UT: Gujarat

Nodal department: Health & Family Welfare Department

Scheme for: Family

Scheme profile

Scheme open date: 2012-09-04

Categories: Health & Wellness

Sub-categories: Children’s health and immunization

Target beneficiaries: Individual

Tags: Treatment, Amrutam, Health, Wellness, BPL

Details

A large number of households are pushed into poverty as a result of the high costs of household spending on health care. The Below Poverty Line (BPL) population is especially vulnerable to catastrophic health risks. To address this key vulnerability faced by the BPL population in Gujarat, the State Government has launched a medical care scheme called Mukhyamantri Amrutum (MA) Yojana. The objective of the scheme is to improve access of BPL families to quality medical and surgical care for the treatment of identified diseases involving hospitalization, surgeries and therapies through an em panel network of health care providers.

Benefits

  • Financial Assistance
  • Each family is eligible for health insurance coverage of up to ₹5,00,000/- annually
  • Members of eligible families can avail benefits from any empanelled hospital. Key medical procedures covered: 1. Eye surgeries 1. Ear, nose, and throat treatments 1. Kidney transplants 1. Cancer treatments 1. Critical accident-related treatments 1. Cardiac surgeries and joint replacements. Surgeries Covered in this Scheme 1. Cardiovascular Surgeries (a total 153 Benefit Packages) 1. Neurosurgery (a total 49 Benefit Packages) 1. Burns (a total 12 Benefit Packages) 1. Poly Trauma (Not covered by Motor Vehicle Insurance) (a total 8 Benefit Packages) 1. Cancer (Malignancies) (Surgical Oncology, Chemotherapy & Radiation Oncology) (a total 210 Benefit Packages) 1. Renal (Kidney) (a total 21 Benefit Packages) 1. Neonatal (newborn) diseases (a total 23 Benefit Packages) Mukhyamantri Amrutum Yojana provides quality medical and surgical care for catastrophic illnesses involving hospitalization, surgeries and therapies through an em panel network of hospitals to the BPL families

Financial Assistance

  • Each family is eligible for health insurance coverage of up to ₹5,00,000/- annually.
  • Members of eligible families can avail benefits from any empanelled hospital.

Key medical procedures covered:

  1. Eye surgeries
  2. Ear, nose, and throat treatments
  3. Kidney transplants
  4. Cancer treatments
  5. Critical accident-related treatments
  6. Cardiac surgeries and joint replacements.

Surgeries Covered in this Scheme

  1. Cardiovascular Surgeries (a total 153 Benefit Packages)
  2. Neurosurgery (a total 49 Benefit Packages)
  3. Burns (a total 12 Benefit Packages)
  4. Poly Trauma (Not covered by Motor Vehicle Insurance) (a total 8 Benefit Packages)
  5. Cancer (Malignancies) (Surgical Oncology, Chemotherapy & Radiation Oncology) (a total 210 Benefit Packages)
  6. Renal (Kidney) (a total 21 Benefit Packages)
  7. Neonatal (newborn) diseases (a total 23 Benefit Packages)

Mukhyamantri Amrutum Yojana provides quality medical and surgical care for catastrophic illnesses involving hospitalization, surgeries and therapies through an em panel network of hospitals to the BPL families.

Eligibility

The individuals and families listed in the BPL list by the State Government are eligible under the MA Yojana. Furthermore, each family member should be present when enrolled under the scheme. However, families that belong marginally above the poverty line can be under the MA Vatsalya Yojana if they follow these criteria –

  1. The annual income of the family is up to ₹4,00,000/-
  2. Any member(s) who are Accredited Social Health Activist (ASHA) workers
  3. Any member(s) who have accredited reporters
  4. Class-3 and Class-4 employees employed on a fixed payroll by the State Government
  5. Senior Citizens with families of a total annual income of up to ₹6,00,000/-

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

7.2
/ 10
Public Benefit Score
Accessibility 6.0/10 Moderate
Rural usefulness 9.0/10 Good
Application complexity 5.5/10 Moderate
Financial impact 9.5/10 Good
Literacy barrier 0.0/10 Good
Women inclusivity 7.0/10 Good
Awareness 5.5/10 Moderate
Implementation reliability 8.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility6.0
  • Financial impact9.5
  • Rural utility9.0
  • Awareness5.5
  • Simplicity4.5
  • Inclusivity7.0

What problem does this scheme solve?

The Mukhyamantri Amrutum Yojana provides essential health insurance coverage for BPL families in Gujarat, addressing significant health-related financial risks.

Key challenges addressed

  • High healthcare costs for low-income families
  • Access to quality medical care

Most beneficial for

  • BPL families
  • Individuals requiring major surgeries

Likely challenges

  • Complex application process
  • Limited awareness among potential beneficiaries

Practical insights for citizens

Practical for those aware of the scheme, but barriers exist for many potential beneficiaries

Rural challenges

  • Limited access to registration centers
  • Awareness of the scheme

Digital challenges

  • Low digital literacy
  • Limited online resources

Implementation bottlenecks

  • Verification delays
  • Limited outreach to remote areas

Awareness challenges

  • Low awareness among eligible populations
  • Need for community outreach

Application analysis

Application mode
Offline office
Documents burden
Moderate, requires multiple documents
Verification complexity
Moderate, requires in-person verification
Office dependency
High, requires visiting registration centers
DBT dependency
No direct benefit transfer involved
CSC support
Available at local centers
Estimated citizen effort
High, due to multiple steps in application

Estimated beneficiary reach

  • Rural / urban reach Moderate
  • Gender reach Inclusive
  • Target income group Below Poverty Line (BPL)
  • Occupation reach Low-income workers

Benefit analysis

Benefit type
In Kind
Benefit frequency
Annual coverage up to ₹5,00,000
Benefit practicality
High, covers significant medical expenses
Financial meaningfulness
High, as it alleviates catastrophic health costs
Long-term impact
Potentially reduces poverty caused by health expenses

Plain-language guidance

The Mukhyamantri Amrutum Yojana offers health insurance for families below the poverty line in Gujarat, covering major medical expenses. Eligible families can receive up to ₹5,00,000 annually for treatments.

Who should apply
Families listed in the BPL list by the State Government.
Who may struggle
Individuals unfamiliar with the application process or lacking required documents.
Best application route
Apply via local CSC with Aadhaar and necessary documents.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

  1. Visit a Registration Center:
  • Register for the scheme at civil hospitals, taluka-level centers, or Community Service Centers (CSC).
  • Other registration locations include E-Gram centers, UTI-ITSL centers, and nCode Agency centers.
  1. Provide Required Documents:
  • Proof of income (e.g., income certificate).
  • Government-issued ID proof (e.g., Aadhaar card, voter ID).
  • Proof of residence (e.g., ration card, utility bills).
  • For specific groups (widows, orphans, etc.), provide relevant supporting documents.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

How many members of a family are covered under this scheme?

A maximum of 5 members can be enrolled as per the regulations. However, a newborn child can be considered as the 6th member.

Who is eligible under the MA Yojana scheme?
  1. The annual income of the family is up to ₹4 Lakhs 2) Any member(s) who are Accredited Social Health Activist (ASHA) workers 3) Any member(s) who have accredited reporters 4) Class-3 and Class-4 employees employed on a fixed payroll by the State Government 5) Senior Citizens with families of a total annual income of up to ₹6 Lakhs
What documents do the beneficiaries need to provide at the time of enrolment?

The eligible beneficiaries have to submit the following documents - * Address proof * Identity proof * BPL certificate * Income certificate

How much coverage does the MA Yojana scheme provide ?

The scheme provides tertiary medical coverage of up to ₹5 lakh to each eligible family. Besides, ₹300 is paid to the beneficiary for transportation to the empanelled hospital

Which Surgeries Covered in this Scheme ?
  1. Cardiovascular Surgeries (a total 153 Benefit Packages). 2. Neurosurgery (a total 49 Benefit Packages). 3. Burns (a total 12 Benefit Packages). 4. Poly Trauma (Not covered by Motor Vehicle Insurance) (a total 8 Benefit Packages). 5. Cancer (Malignancies) (Surgical Oncology, Chemotherapy & Radiation Oncology) (a total 210 Benefit Packages). 6. Renal (Kidney) (a total 21 Benefit Packages). 7. Neonatal (newborn) diseases (a total 23 Benefit Packages).
What is the application process ?
  1. The eligible beneficiaries must visit 2. the Kiosks at Taluka or Civic Centres in their area. Mobile kiosks are also available at a local level.The authorities are well equipped with the needed hardware for enrolment. 3. The hardware is used to capture biometrics such as fingerprints, iris scans, and photos of the beneficiaries. 4. The beneficiaries might even have to fill out the MA Card application form in Gujarati with appropriate details. 5. Once the details are verified, the MA health card is issued to the beneficiaries and the enrolment process is complete.

References

Details
https://nhm.gujarat.gov.in/mukhya-mantri-amrutam.htm
Guideline
http://www.magujarat.com/about-PMJAY-MA.html

Apply

Apply now

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Frequently asked questions

What is the purpose of Mukhyamantri Amrutum Yojana?
Mukhyamantri Amrutum Yojana is a government welfare initiative designed to support Family, Individual through benefits related to Health & Wellness, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Mukhyamantri Amrutum Yojana?
Eligibility for Mukhyamantri Amrutum Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Mukhyamantri Amrutum Yojana?
Benefits under Mukhyamantri Amrutum Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Mukhyamantri Amrutum Yojana?
Mukhyamantri Amrutum Yojana is managed by Health & Family Welfare Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Mukhyamantri Amrutum Yojana?
Yes, eligible applicants may be able to apply online for Mukhyamantri Amrutum Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Mukhyamantri Amrutum Yojana?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Mukhyamantri Amrutum Yojana?
Applications for Mukhyamantri Amrutum Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Mukhyamantri Amrutum Yojana?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Mukhyamantri Amrutum Yojana?
Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Mukhyamantri Amrutum Yojana.
Is Mukhyamantri Amrutum Yojana available in all states?
No, Mukhyamantri Amrutum Yojana is primarily available for eligible residents of Gujarat and may be implemented through state government departments and local administrative offices.
Can residents outside Gujarat apply for Mukhyamantri Amrutum Yojana?
Eligibility for Mukhyamantri Amrutum Yojana is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
Does Mukhyamantri Amrutum Yojana provide healthcare or insurance support?
Mukhyamantri Amrutum Yojana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Mukhyamantri Amrutum Yojana at government hospitals?
Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Can CSC centres help users apply for Mukhyamantri Amrutum Yojana?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Mukhyamantri Amrutum Yojana?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Are there deadlines for applying to Mukhyamantri Amrutum Yojana?
Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.
Can beneficiaries track application status for Mukhyamantri Amrutum Yojana?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Mukhyamantri Amrutum Yojana in Gujarat?
Users in Gujarat may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Mukhyamantri Amrutum Yojana applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.