Mukhyamantri Amrutum Yojana
- Author :
- TATA AIG Team
- Published on :
Access to good healthcare facilities is required for every Indian citizen regardless of income level. However, this scenario is not applicable across the country yet. India is one of the fastest developing nations, and steps are being taken to help every Indian get access to quality medical care services. The Government of the state of Gujarat, with the launch of the Mukhyamantri Amrutum Yojana in Gujarat, has taken one such step.
The Mukhyamatri Amrutum Yojana is a medical insurance scheme launched in the state to ensure that every person belonging to the official Below Poverty Line (BPL) and lower middle-class income levels has access to medical care when in need.
The provision of a medical insurance plan is a step in the right direction. There are many benefits of health insurance, especially in a medical emergency, and you require a financial backup to get treated. Let us get into the details of the Mukhyamantri Amrutum Yojana.
What is Mukhyamantri Amrutum(MA)?
The Mukhyamantri Amrutum (MA) Yojana was launched by the Gujarat Government in 2012. The Yojana was initially launched However, later the benefits of the yojana also extended to the people belonging to the lower-middle class.
The Mukhyamatri Amrutum Yojana is a holistic medical insurance plan covering everything from diagnostic tests and procedures to post-hospitalisation expenses in case of a medical emergency.
Features of the Mukhyamantri Amrutum (MA) Yojana
The MA yojana is one of the prime examples of a scheme that can help people in need. Some of the features of this yojana include
- The people eligible for the scheme do not need to pay any fee for enrolment or any insurance premium. The scheme is fully funded by the state.
- Any ASHA worker who helps a BPL family enrol on this scheme is provided with an amount of ₹100 for every family as a helping incentive.
- General and mega health care camps are conducted in partnership with top-empanelled hospitals monthly.
- (n)Code Solutions, an IT agency, helps to manage and store data with the help of dedicated servers and data centres.
- Services and claims are entirely paperless under the scheme.
- The International Society has accredited the services for Quality in Healthcare and the hospitals are paid 10% more than the package prices.
- Empanelment of private, public, grant-in, and trust hospitals to ensure healthy competition.
Benefits of the Mukhyamatri Amrutum Yojana
The Mukhyamantri Amrutum card covers the expenses below. Other details of the benefits can be gathered by contacting customer care.
Diseases Covered Under Mukhyamantri Amrutum(MA)
There is a list of diseases that are covered under the MA yojana. This is essential as after the Mukhyamantri Amrutum Yojana enrolment, the person will not be denied coverage as an extensive list of diseases is covered under the plan.
|Obstetrics & gynaecology||Cardiology|
|Neurosurgery neurology||Burns & plastic surgery|
|Cardiothoracic and vascular surgery||Nephrology|
|Oral & maxillofacial surgery||General surgery|
|Orthopaedics & polytrauma||Ophthalmology|
|General medicine||Emergency room package|
|Organ transplant package||Otorhinolaryngology|
|Genitourinary surgery (renal)||Knee and hip replacement|
|Surgical oncology||Mental disorder package|
|Interventional neuroradiology||Radiation oncology|
|Medical oncology||Paediatric surgery|
|Neonatal packages||Paediatric medical management|
Exclusions Under the Mukhyamantri Amrutum Yojana in Gujarat
There are a few exclusions under the MA yojana. These have not been specifically mentioned, as the plan is for people with low incomes. However, some of the exclusions might be:
- Any cosmetic procedures for enhancing the aesthetic beauty of the body might not be covered.
- Certain non-emergency procedures might also not be covered under the scheme.
Process of Enrolment for Mukhyamatri Amrutum Yojana
Here is the process of getting enrolled in the MA Yojana:
The civic centres and taluka authorities in the state have lists of families. Only families whose income per annum is less than ₹4 lakhs are included in the MA Yojana. You will also find the list on the MAGujarat page under the BPL list. This list is for the reference of any vendor that has been appointed by the government for the enrollment process. The MA Vatsalya Yojana lists are generated dynamically using the income certificates of the families.
To get yourself enrolled in the Yojana you have to visit the civic centres or the taluka. There is no Mukhyamantri Amrutum Yojana online registration. But kiosks have been set up at the local levels to ensure maximum penetration of the scheme.
All the hardware is available at the centres to ensure a smooth process. You will have to submit biometric information like fingerprints. The family also needs to get the photograph taken. Moreover, there might be a requirement to fill in the details for the Amrutum card in Gujarati and provide all the accurate information regarding the family.
After the documents have been verified you will be provided with a pamphlet, your Mukhyamantri Amrutum card, and a detailed list of all the Mukhyamantri Amrutum Yojana hospitals.
In case there are any queries related to the scheme, you can contact 1800-233-1022. You can also email the officials at firstname.lastname@example.org.
Documents Needed to Enrol for Mukhyamantri Amrutum Yojana
The documents required for enrollment are
- Proof of your address like your ration card
- Proof of identity
- BPL(Below Poverty Line) Certificate
- Proof of your income
In case there are any other documents required, you will be informed before your enrolment date arrives.
Claim Process Under the MA Yojana
The claim process under the MA Yojana is very easy and simple. You do not need to arrange any documents at the time of filing claims. The member who is covered under the scheme needs to provide the QR code to the Mukhyamantri Amrutum Yojana hospital and the verification will then begin.
Once it is verified, the treatment will begin which does not take long. Moreover, the claims under the scheme are cashless which significantly reduces the financial burden on the relatives and the family of the patient. Once the treatment has been completed, the details of the hospitalisation costs will be sent over to the insurer. The member who is enrolled under the scheme does not have to worry about this. The claim settlement will happen directly between the insurer and the Mukhyamantri Amrutum Yojana hospital.
Quality healthcare is one of the basic requirements. With healthcare costs rising sharply, there are many underprivileged people who cannot bear the costs of treatment. The Mukhyamantri Amrutum card is beneficial to people who are not able to afford healthcare. It is one of the best initiatives taken by the Gujarat government. Also, if you are not eligible for the yojana, it is still essential to have the right medical insurance plan. You can visit the Tata AIG to research, compare plans and choose a plan that is suitable for all your requirements.
With Tata AIG, you can buy health insurance online in a matter of minutes. You can buy the medical insurance plan online without any hassles. The health insurance plans from Tata AIG offer extensive coverage and you can also calculate the premium of the plan using the health insurance premium calculator available on the website.
Disclaimer / TnC
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