Gujarat Mukhyamantri Amrutum (MA) Yojana: Eligibility, Benefits & Apply

Mukhyamantri Amrutum (MA) Yojana is a flagship health insurance scheme of the Government of Gujarat that provides eligible families with cashless medical treatment of up to ₹10 lakh per year at empanelled hospitals. Launched on 4 September 2012, the scheme initially covered Below Poverty Line (BPL) families but was later expanded through the Mukhyamantri Amrutum Vatsalya (MAV) Scheme and integrated with Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY). Today, eligible beneficiaries can access cashless treatment across a wide network of government and private hospitals without paying the treatment cost themselves.

Introduction of Gujarat Mukhyamantri Amrutum (MA) Yojana: A Brief Insight

The Mukhyamantri Amrutum (MA) Yojana is a flagship health insurance scheme of the Government of Gujarat that provides cashless medical treatment to eligible families for serious illnesses. The scheme was launched on 4 September 2012 to ensure that financially vulnerable families do not have to postpone or avoid treatment because of high hospital expenses. Today, the scheme operates in convergence with Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), allowing beneficiaries to access a wider network of empanelled hospitals across India.

The Health and Family Welfare Department, Government of Gujarat, implements the scheme with support from the National Health Mission (NHM) Gujarat. Over the years, the Government has expanded its coverage through the Mukhyamantri Amrutum Vatsalya (MAV) Scheme, enabling more economically weaker and vulnerable families to receive cashless healthcare benefits under the integrated PMJAY-MA platform.

The primary objective of the Mukhyamantri Amrutum (MA) Yojana is to reduce the financial burden of expensive medical treatment on eligible families. Instead of arranging large amounts of money during medical emergencies, beneficiaries can receive treatment without paying hospital bills at empanelled hospitals, as the approved treatment cost is borne under the scheme according to the prescribed package rates.

Eligible beneficiaries receive cashless health coverage of up to ₹10 lakh per family per year. The scheme covers thousands of medical and surgical procedures, including treatment for heart diseases, cancer, kidney disorders, neurosurgery, organ transplantation, trauma care, neonatal care, and several other serious illnesses. Beneficiaries can receive treatment at more than two thousand empanelled government and private hospitals and are also entitled to a transport allowance as per the scheme guidelines.

The scheme covers multiple beneficiary categories notified by the Government of Gujarat. These include families listed in the BPL database, eligible families covered under Mukhyamantri Amrutum Vatsalya, senior citizens meeting the prescribed income criteria, ASHA workers, accredited journalists, fixed-pay Class-3 and Class-4 government employees, U-WIN card holders, and other notified categories. Depending on the beneficiary category, applicants may be required to produce income or category-related documents during enrolment.

To avail the benefits, eligible families need to visit an authorised PMJAY-MA enrolment centre, where officials verify the required documents, complete biometric authentication, and issue the PMJAY-MA Card. Once the card is generated, beneficiaries can use it to receive cashless treatment at any empanelled hospital under the scheme. They can also verify their eligibility and beneficiary details through the official beneficiary portal after enrolment.

For any assistance related to enrolment, eligibility, hospital search, or PMJAY-MA Card services, beneficiaries can contact the Mukhyamantri Amrutum Yojana helpline, visit the nearest authorised enrolment centre, or approach the nearest empanelled hospital for guidance.

Beneficiaries looking for central government health insurance schemes can also read our detailed guide on Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY), while senior citizens aged 70 years and above may also benefit from the Ayushman Vay Vandana Card Scheme, which provides separate health insurance benefits under the central government’s healthcare programme.

If you are looking for similar welfare programmes, you can also explore our collection of verified Gujarat Government Schemes, where we regularly publish detailed guides on healthcare, education, financial assistance, and social welfare schemes launched by the Government of Gujarat.

Benefits Provided to Eligible Beneficiaries

The Mukhyamantri Amrutum (MA) Yojana, integrated with the Ayushman Bharat Scheme in Gujarat, provides cashless healthcare to eligible families through a large network of empanelled hospitals. Once a beneficiary receives a valid PMJAY-MA Card, they can access approved treatments without paying the hospital directly, subject to the scheme guidelines and package limits.

• Every eligible family receives cashless health insurance coverage of up to ₹10,00,000 per year on a family floater basis for approved medical treatments and procedures.
• The entire insurance premium is paid by the Government of Gujarat, allowing eligible beneficiaries to avail treatment without paying any premium.
• Beneficiaries can receive treatment at more than 2,000 empanelled government and private hospitals across Gujarat under the PMJAY-MA hospital network.
• The scheme covers more than 2,299 medical and surgical procedures, including specialised treatments related to cardiology, cancer, neurosurgery, nephrology, organ transplantation, paediatric surgery, trauma care, burn management, and several other serious illnesses.
• Pre-existing diseases are covered from the very first day of enrolment, ensuring eligible families can receive treatment without waiting for a qualifying period.
• Beneficiaries are also entitled to a transport allowance of ₹300 per hospitalisation to help meet travelling expenses while visiting an empanelled hospital for treatment.
• Since the scheme is integrated with Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), eligible beneficiaries can also avail cashless treatment at empanelled hospitals outside Gujarat wherever portability under the scheme is available.

Eligibility Conditions Required to be Fulfilled

The Mukhyamantri Amrutum (MA) Yojana now covers several beneficiary categories after its expansion through the Mukhyamantri Amrutum Vatsalya (MAV) Scheme and its integration with Ayushman Bharat. Applicants must belong to any one of the categories recognised by the Government of Gujarat to receive a PMJAY-MA Card and avail cashless treatment.

• Families included in the official Below Poverty Line (BPL) list of the Government of Gujarat are eligible under the original Mukhyamantri Amrutum (MA) Yojana.
• Families having an annual household income of up to ₹4,00,000 are eligible under the Mukhyamantri Amrutum Vatsalya (MAV) Scheme, subject to the prescribed income verification.
• Senior citizens belonging to families with an annual household income of up to ₹6,00,000 are also covered under the scheme as per the prevailing eligibility provisions.
• ASHA workers and their eligible family members can avail benefits under the scheme.
• State-accredited journalists and reporters, along with their eligible dependants, are covered under the notified beneficiary category.
• Class-3 and Class-4 fixed-pay employees of the Gujarat Government are eligible to obtain a PMJAY-MA Card.
• Registered U-WIN Card holders belonging to the unorganised sector are also included under the scheme.
• Generally, one eligible family consists of the head of the family, spouse, and up to three dependent members. A newborn child is temporarily added as an additional family member until the PMJAY-MA Card is updated.

Documents Required to be Attached

The Mukhyamantri Amrutum (MA) Yojana requires applicants to submit identity, residence, income, and category-related documents while enrolling for the PMJAY-MA Card. The exact document requirement may differ slightly depending on the beneficiary category, but applicants should generally keep the following documents ready during registration.

• Aadhaar Card of all family members to verify identity and complete biometric authentication during enrolment.
• Income Certificate issued by the competent authority for families applying under the Mukhyamantri Amrutum Vatsalya category based on the prescribed annual income criteria.
• Proof of Residence, such as a Ration Card, electricity bill, or any other acceptable address proof establishing residence in Gujarat.
• Category or Eligibility Proof, wherever applicable, such as a BPL certificate, ASHA worker identity card, journalist accreditation card, fixed-pay Class-3 or Class-4 employee certificate, or any other document prescribed for the concerned beneficiary category.
• Recent Passport-Size Photograph, required for creating the beneficiary record and issuing the PMJAY-MA Card.

Applicants should carry both the original documents and self-attested photocopies while visiting an authorised PMJAY-MA enrolment centre, as the originals are verified before the PMJAY-MA Card is generated.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

The Mukhyamantri Amrutum (MA) Yojana follows an assisted enrolment process instead of a completely online application. Eligible families need to visit an authorised enrolment centre, where officials verify their documents, capture biometric details, and generate the PMJAY-MA Card. Once the card is issued, beneficiaries can avail cashless treatment at empanelled hospitals across Gujarat and other participating states under the Ayushman Bharat network.

1. Visit the nearest PMJAY-MA enrolment centre.
   Go to an authorised enrolment centre such as a Taluka Kiosk, Civil Hospital, Civic Centre, E-Gram Centre, or Common Service Centre (CSC) where PMJAY-MA registration services are available.
2. Carry the required documents.
   Take all the documents required for enrolment, including Aadhaar Cards of family members, income or category certificates, address proof, and other supporting documents applicable to your beneficiary category. The operator verifies these documents before proceeding further.
3. Complete biometric verification.
   Each family member undergoes biometric authentication, including fingerprint, iris scan, and photograph capture. These details are securely linked with the beneficiary record to generate the PMJAY-MA Card.
4. Receive your PMJAY-MA Card.
   After successful verification, the authorised operator generates the PMJAY-MA Card containing a unique identification number and QR code. This card serves as proof of eligibility for cashless treatment under the scheme.
5. Check your card and eligibility online.
   Once your enrolment is completed, you can verify your eligibility, view your beneficiary details, or download the e-card through the Ayushman Bharat Beneficiary Portal. You can also use the official Ayushman App to access the same services from your mobile device.
6. Use the card for cashless treatment.
   Visit any empanelled hospital under the PMJAY-MA network and present your PMJAY-MA Card or Ayushman Card along with a valid identity document. After verification, eligible treatments are provided on a cashless basis according to the approved package rates.

If you are unsure whether your family is eligible before visiting an enrolment centre, you can check the scheme details on the official Mukhyamantri Amrutum (MA) Yojana portal or contact the nearest PMJAY-MA help desk for assistance.

Medical Treatments Covered Under Mukhyamantri Amrutum (MA) Yojana

The Mukhyamantri Amrutum (MA) Yojana provides cashless treatment for thousands of approved medical and surgical procedures through its network of empanelled hospitals. Depending on the patient’s medical condition and the applicable treatment package, eligible beneficiaries can receive specialised healthcare without paying the treatment cost at the hospital.

• Cardiology and cardiovascular surgeries, including bypass surgery, valve replacement, and other heart-related procedures.
• Cancer treatment, including surgical oncology, chemotherapy, radiation therapy, and other approved cancer care services.
• Neurosurgery for eligible brain, spine, and nervous system disorders.
• Kidney-related treatment, including dialysis and approved organ transplant procedures.
• Neonatal and paediatric surgeries for eligible newborns and children.
• Orthopaedic procedures, trauma management, and treatment for serious injuries.
• Burn management and other emergency procedures covered under the approved package list.
• Several other medical and surgical procedures notified under the PMJAY-MA treatment packages.

The list of covered procedures and package rates is revised by the Government from time to time. Before admission, beneficiaries should confirm with the empanelled hospital whether their required treatment is covered under the latest PMJAY-MA package list.

Important Links Available

• Mukhyamantri Amrutum (MA) Yojana Official Portal
• National Health Mission Gujarat – Mukhyamantri Amrutum (MA) Yojana
• Health and Family Welfare Department, Government of Gujarat
• Ayushman Bharat Beneficiary Portal

Contact Details in Case of Help Needed

• MA Yojana Toll-Free Helpline: 1800-233-1022
• Ayushman Bharat (PM-JAY) Helpline: 14555
• Email: mayojanagujarat@gmail.com
• Official Website: Mukhyamantri Amrutum (MA) Yojana Portal
• Beneficiaries can also visit their nearest Civil Hospital, Taluka Kiosk, or Common Service Centre (CSC) for assistance with PMJAY-MA Card enrolment, eligibility verification, or other scheme-related services.

Frequently Asked Questions (FAQs)

Q. What is Mukhyamantri Amrutum (MA) Yojana?
Ans. Mukhyamantri Amrutum (MA) Yojana is a cashless health insurance scheme of the Government of Gujarat. Integrated with Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), it provides eligible families with cashless treatment of up to ₹10 lakh per year at empanelled hospitals.

Q. Who can apply for the Mukhyamantri Amrutum (MA) Yojana?
Ans. The scheme covers eligible BPL families, Mukhyamantri Amrutum Vatsalya beneficiaries, senior citizens meeting the prescribed income criteria, ASHA workers, accredited journalists, fixed-pay Class-3 and Class-4 government employees, U-WIN card holders, and other beneficiary categories notified by the Government of Gujarat.

Q. How much health insurance cover is available under the scheme?
Ans. Every eligible family receives cashless health coverage of up to ₹10,00,000 per year on a family floater basis for approved treatments and procedures.

Q. Do beneficiaries have to pay any premium?
Ans. No. The entire insurance premium is borne by the Government of Gujarat. Eligible beneficiaries do not have to pay any premium to avail the scheme benefits.

Q. Are pre-existing diseases covered under the PMJAY-MA Card?
Ans. Yes. Eligible beneficiaries can avail treatment for pre-existing diseases from the very first day of enrolment, subject to the scheme guidelines.

Q. How can I apply for a PMJAY-MA Card?
Ans. Eligible applicants can visit an authorised PMJAY-MA enrolment centre, such as a Civil Hospital, Taluka Kiosk, E-Gram Centre, or Common Service Centre (CSC), where documents and biometric details are verified before the PMJAY-MA Card is issued.

Q. Can I receive treatment outside Gujarat?
Ans. Yes. Since the scheme is integrated with Ayushman Bharat – PMJAY, eligible beneficiaries can avail cashless treatment at empanelled hospitals across India wherever portability is available.

Q. How can I check whether I am eligible for the scheme?
Ans. You can verify your eligibility through the official Ayushman Bharat Beneficiary Portal or visit the nearest PMJAY-MA enrolment centre for assistance.

Q. What should I do if my PMJAY-MA Card is lost or damaged?
Ans. You should visit the nearest authorised PMJAY-MA enrolment centre or contact the scheme helpline for assistance in obtaining a replacement or updated card.

Q. Where can I get help regarding Mukhyamantri Amrutum (MA) Yojana?
Ans. Beneficiaries can call the MA Yojana toll-free helpline 1800-233-1022, the Ayushman Bharat helpline 14555, or visit the nearest Civil Hospital, Taluka Kiosk, or Common Service Centre for assistance.

Tabassum

Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.