Mukhyamantri Amrutum Yojana - MAY

In order to provide medical aid, the Government of Gujarat launched Mukhyamantri Amrutum ‘MA’ Yojana on 4th September, 2012. This plan is dedicated to provide healthcare to individuals who are living below the poverty line. Recently, the plan has been modified to include lower middle class families within the state.

Note: All information regarding Mukhyamantri Amrutum Yojana has been sourced from the official website of Health and Family Welfare Department, Government of Gujarat.

Features Of Mukhyamantri Amrutum Yojana - MAY

Mentioned Below Are The Features Of Mukhyamantri Amrutum Yojana:

  • It is a 100% state funded scheme where the fund goes directly to the service providers.

  • The sum assured is up to Rs. 3,00,000/- per family per annum on a family floater basis.

  • A maximum of 5 family members can avail the benefits of the scheme.

  • The state government transfers the benefit amount via RTGS.

  • Paperless Claim Processing for early claim settlement.

  • Comes with complete cashless cover for expenses arising out of medical treatment and medicine.

  • Enrollment of beneficiary throughout the year.

  • The scheme has empaneled both private and public/trust/Grant-In-Aid hospitals.

  • Mega Heath Camps are conducted in every district in which participation of empanelled hospitals, both private and govt. is necessary. General Health Camps are also conducted by the empanelled hospitals every month.

  • Beneficiaries can also enrol via Civic Centre Kiosks and Taluka Kiosks. Mobile Kiosks are also available.

  • There are no intermediaries involved in the coverage process. This is not an insurance policy.

Benefits Of Mukhyamantri Amrutum Yojana - MAY

Mentioned below are the benefits of Mukhyamantri Amrutum Yojana:

  • Provides a cover of Rs. 3,00,000/-
  • Kidney Transplant, Liver Transplant, Kidney + Pancreas Transplant procedures are covered with benefit up to Rs. 5,00,000/-
  • Knee and Hip replacement procedures are covered with a cap of Rs.40,000/ - per one replacement.
  • Provides cover for Cardiovascular diseases, Renal diseases, Neurological diseases, Burns, Poly-Trauma, Cancer (Malignancies), Neonatal (newborn) diseases, Knee & Hip Replacement & Kidney, Liver and Kidney + Pancreas Transplantation and 698 defined procedures.
  • Rs. 300/- is paid to the beneficiary as transportation charges for every instance of availing treatment from the empanelled hospital.
  • Each family member is issued a QR coded card (Quick Response Coded Card), which has the biometric thumb impressions, photograph, a unique registration number (URN), District name, Taluka name & Village name.

  • Hospitals accreditation by NABH / JCI (Joint Commission International)/ ACHS (Australia) or by any other accreditation body approved by the International Society for Quality in Healthcare (ISQua) are given Quality Incentives of 10% extra package change over and above the package rates.

  • Rs. 6/- per km as transportation allowances for hospital in case of death patient to take the dead body from the hospital to his/her hometown.

Tax Benefits of Mukhyamantri Amrutum Yojana

  • There are no tax benefits under Mukhyamantri Amrutum Yojana

What Is Covered & Not Covered Under Mukhyamantri Amrutum Yojana?

What Is Covered Under Mukhyamantri Amrutum Yojana?

All medical expenses arising out of Cardiovascular diseases, Renal diseases, Neurological diseases, Burns, Poly-Trauma, Cancer (Malignancies), Neonatal (newborn) diseases, Knee & Hip Replacement & Kidney, Liver and Kidney + Pancreas Transplantation and 698 defined procedures are covered under Mukhyamantri Amrutum Yojana.

What Is Not Covered Under Mukhyamantri Amrutum Yojana?

Cosmetic treatments and non-emergency procedures are not covered under this scheme.

Eligibility Criteria for Mukhyamantri Amrutum Yojana

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  • The Scheme was extended to families of lower income group named as Mukhyamantri Amrutum Vatsalya Yojana in August 2014.
  • The individual has an annual income less than Rs. 2.5 lakhs.

  • The limit of income has been increased from Rs. 2.50 lakh to Rs. 3.00 lakh per annum for “MA Vatsalya” beneficiaries.

  • U-win Card holders are also included under the scheme.

  • All urban & rural ASHAs (Accredited Social Health Activist), Reporters and fix pay employees of class-3 & 4 appointed by state government are included under “MA Vatsalya” Yojana.

  • Senior citizens of those families with annual income up to Rs. 6 lakh are included under “MA Vatsalya” scheme.

How To Claim Mukhyamantri Amrutum Yojana

Making a claim under Mukhyamantri Amrutum Yojana is a completely cashless process. Once the emergency has been identified, the patient is required to submit their QR coded card (Quick Response Coded Card) to the network hospital for approval. Post approval, the hospital will go ahead with the treatment.

Conclusion

The Mukhyamantri Amrutum Yojana is one of the best healthcare initiatives undertaken by the Government of Gujarat. Its success can be defined by the following awards and achievements:

  • SKOCH Awards for Smart Governance 2014 on 20th September, 2014.

  • CSI Nihilent e-Governance Awards 2013-14 on 13th December, 2014.

  • Best Affordable Healthcare Initiative in Healthcare summit 2016 at Jaipur.

  • Gems of Digital India Award for the innovation, impactful and sustainable E-governance initiatives on 7th June, 2017.
  • Best Accessible Healthcare Initiative on 26th March, 2018 in New Delhi.

Mukhyamantri Amrutum Yojana Policy Reviews

For people who are living below the poverty line, access to adequate healthcare is difficult. A medical emergency adds more burden to their minimum income. To counter this, Mukhyamantri Amrutum Yojana was introduced. Since its implementation, it has been one of the most successful healthcare initiatives. Due to the benefits offered and popularity, this plan has been extended to include families of lower middleclass income as well.