Mukhyamantri Amrutum Yojana
Free health insurance up to ₹5 lakh annually · Gujarat BPL families · 476 benefit packages
Mukhyamantri Amrutum (MA) Yojana is Gujarat's state health insurance scheme providing BPL families and certain low-income groups up to ₹5,00,000 in annual health coverage at empanelled hospitals — with no out-of-pocket expense for covered procedures. It covers major surgeries including cardiac, cancer, neurological, kidney, and neonatal procedures. Register at civil hospitals, taluka centers, or Community Service Centers (CSC) with your BPL or income certificate.
About This Scheme
Mukhyamantri Amrutum (MA) Yojana is Gujarat's state health insurance scheme providing BPL families and certain low-income groups up to ₹5,00,000 in annual health coverage at empanelled hospitals — with no out-of-pocket expense for covered procedures. It covers major surgeries including cardiac, cancer, neurological, kidney, and neonatal procedures. Register at civil hospitals, taluka centers, or Community Service Centers (CSC) with your BPL or income certificate.
Full official description
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
- Health insurance coverage of up to ₹5,00,000 per family per year
- Free treatment at any empanelled hospital for covered procedures — no upfront payment required
- 476+ surgical benefit packages across 7 categories: cardiovascular (153 packages), cancer/oncology (210), neurological (49), kidney/renal (21), neonatal (23), burns (12), and polytrauma (8)
- Covers eye surgeries, ENT treatments, joint replacements, and critical accident care
💡 Why Startups Should Care
For health-tech founders in Gujarat, MA Yojana's empanelled hospital network is your B2B channel — every empanelled private hospital has a strong incentive for technology that streamlines cashless claim processing for government insurance schemes.
Who Can Apply (Eligibility)
- Primary beneficiaries: families listed in the BPL register maintained by the Gujarat State Government
- For MA Vatsalya (marginally above poverty line): family annual income up to ₹4,00,000
- Senior citizen families (at least one member 60+): annual income up to ₹6,00,000
- Also eligible under MA Vatsalya: ASHA workers, accredited reporters, and Class 3–4 fixed-payroll State Government employees
- All family members must be physically present at the time of enrollment
Exclusions
- Only BPL families and specific near-BPL categories (annual income ≤ ₹4 lakh for MA Vatsalya) are eligible
- Private hospitals must be empanelled under the scheme to provide cashless benefits
How to Apply
- Visit a registration center: civil hospital, taluka-level center, Community Service Center (CSC), E-Gram center, UTI-ITSL center, or nCode Agency center
- Bring your income proof, government-issued ID, and proof of residence
- For specific groups — widows, orphans, ASHA workers, fixed-pay state employees — bring relevant supporting documents
- After verification of eligibility, you are enrolled and can avail cashless treatment at any empanelled hospital
Frequently Asked Questions
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?
- The annual income of the family is up to [?]4 Lakhs
- Any member(s) who are Accredited Social Health Activist (ASHA) workers
- Any member(s) who have accredited reporters
- Class-3 and Class-4 employees employed on a fixed payroll by the State Government
- 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 ?
- Cardiovascular Surgeries (a total 153 Benefit Packages).
- Neurosurgery (a total 49 Benefit Packages).
- Burns (a total 12 Benefit Packages).
- Poly Trauma (Not covered by Motor Vehicle Insurance) (a total 8 Benefit Packages).
- Cancer (Malignancies) (Surgical Oncology, Chemotherapy & Radiation Oncology) (a total 210 Benefit Packages).
- Renal (Kidney) (a total 21 Benefit Packages).
- Neonatal (newborn) diseases (a total 23 Benefit Packages).
What is the application process ?
- The eligible beneficiaries must visit
- 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.
- The hardware is used to capture biometrics such as fingerprints, iris scans, and photos of the beneficiaries.
- The beneficiaries might even have to fill out the MA Card application form in Gujarati with appropriate details.
- Once the details are verified, the MA health card is issued to the beneficiaries and the enrolment process is complete.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Income certificate (proof of income)
- Government-issued ID proof (Aadhaar card, Voter ID)
- Proof of residence (ration card, utility bills)
- Relevant supporting documents for specific eligible groups (widows, orphans, ASHA workers)