Gujarat Mukhyamantri Amrutum Yojana

About the Scheme

Every year, countless families in Gujarat find themselves pushed toward poverty not because they lack the will to work, but because a single serious illness in the family drains their life savings. A cardiac surgery, a cancer diagnosis, or a critical illness in a newborn can cost more than an entire household earns in a decade, forcing families to sell land, mortgage homes, or take on crushing debt just to save a loved one's life. Recognizing this harsh reality, the Government of Gujarat launched the Mukhyamantri Amrutam (MA) Yojana on 18 April 2012, with a clear and compassionate mission: no family living below the poverty line should ever have to choose between their health and their home.

The scheme guaranteed cashless treatment up to ₹2 lakh per family per year for life-threatening illnesses, including cardiac care, neurosurgery, burns, cancer, kidney disease, and critical care for newborns, at government and empanelled private hospitals, completely free of cost to eligible BPL families. Every enrolled family received an MA Card, a simple but powerful tool that opened the door to advanced medical care without a single rupee changing hands at the hospital counter.

But the Government didn't stop at policy, it built an entire support ecosystem to make sure no eligible family was left behind. Taluka Kiosks, Civic Centre Kiosks, and Mobile Enrollment Units brought registration to people's doorsteps, even in the remotest corners of the state. Arogya Mitras stood beside patients and families at every step, guiding them through hospital procedures, while regular health camps and a responsive grievance redressal system ensured that no one was denied care due to confusion, distance, or lack of information.

What began as a ₹2 lakh lifeline for BPL families has since grown into something far larger. As healthcare costs rose and the state's ambition grew, coverage was steadily increased, first to ₹3 lakh, then to ₹5 lakh, before the scheme was eventually integrated with the Centre's Ayushman Bharat framework and given a unified identity as PMJAY-MA. Today, eligible BPL families across Gujarat receive cashless coverage of up to ₹10 lakh per family per year, a five-fold increase since the scheme's inception, ensuring that the promise made in 2012 stands stronger than ever: quality healthcare, free of financial fear.

Scheme Benefits

Eligible beneficiaries can avail the following benefits under the scheme:

• Free treatment up to ₹10 lakh per family, every year, no cash needed at the hospital.
• You can get treatment at government hospitals and at private hospitals that are part of the scheme.
• Covers small illnesses, medium-level illnesses, and serious/major illnesses, all types of treatment.
• Treatment includes hospital stays, surgeries, and other approved medical procedures.
• No limit on how many family members can be covered, everyone in the family can use the benefit.
• No age limit, from newborn babies to elderly people, everyone is covered.
• Old illnesses are covered too, even if someone was already sick before joining the scheme, that illness is still covered.

Travel money: You get ₹300 every time you visit the hospital, up to ₹3,000 per year. This money is part of your total

₹10 lakh benefit.

Treatments Covered Under Mukhyamantri Amrutam (MA) Yojana

The scheme covers 1,805 different types of treatments, grouped into 26 categories, including:

• Heart problems and heart surgery
• Brain and nerve surgery
• Burns and skin surgery
• Serious accident injuries (not covered by vehicle insurance)
• Cancer treatment (surgery, chemotherapy, radiation)
• Kidney problems
• Newborn baby care
• Knee and hip replacement
• Organ transplant
• General surgery and general medicine
• Women's health (pregnancy, childbirth), eye problems, ear-nose-throat problems, bone problems, and more

(Note: When the scheme started in 2012, it only covered about 476 treatments in 7 categories. Over the years, this was expanded a lot to the current 1,805 treatments in 26 categories.)

Eligibility Criteria

To receive benefits under Mukhyamantri Amrutam (MA) Yojana, applicants must satisfy the eligibility conditions prescribed by the Government of Gujarat.

Eligible beneficiaries include:

• You can only use the benefit after you enroll and get your MA Card.
• Ration Card
• Photo ID proof (like Aadhar card, voter ID, etc.)

Required Documents

According to the official operational guideline, eligible beneficiaries are required to produce the following documents during enrollment:

• Ration Card
• Photo Identity Proof

These documents are verified by the Taluka Verifying Authority before the Mukhyamantri Amrutam (MA) Card is issued.

MA Card Enrollment Process

• Go to your nearest Taluka Kiosk, or wait for a Mobile Enrollment Van to visit your village.
• Show your Ration Card and Photo ID.
• An officer checks your details and confirms you are eligible.
• Your fingerprint is taken to confirm your identity.
• You get a QR-coded MA Card.

At the same kiosk, you can also:

• Fix a spelling mistake in your name on the card
• Add a new family member or remove someone
• Update your address if you moved to a new place
• Enroll if you were missed during the first enrollment drive
• Split one family's card into two (if needed)
• Get a new card if your old one is lost or damaged

Note: You can enroll any time during the year, there's no fixed enrollment period.

How to Avail Treatment Under Mukhyamantri Amrutam (MA) Yojana

• Go to any government hospital, or any private hospital that is part of the scheme, or a dialysis center that is part of the scheme.
• Show your MA Card at the hospital.
• The hospital checks your card.
• You get free treatment no cash payment needed for anything covered under the scheme.

Role of Arogya Mitra

To assist beneficiaries during hospitalization, empanelled hospitals have Arogya Mitras who act as facilitators between the patient, hospital, and the Implementation Support Agency (ISA).

The Arogya Mitra helps beneficiaries by:

• Providing guidance and counselling regarding the scheme.
• Assisting patients during hospitalization.
• Participating in MA Health Camps.
• Following up with patients for treatment.
• Coordinating cashless treatment approvals with the ISA.
• Assisting beneficiaries in receiving the transport allowance available under the scheme.

MA Health Camps

Empanelled hospitals organize Mukhyamantri Amrutam (MA) Health Camps to improve access to healthcare services for eligible beneficiaries.

According to the official documents, these camps include:

• Health screening of beneficiaries.
• Diagnosis of medical conditions.
• Primary treatment.
• Referral of patients requiring specialized treatment.
• Awareness activities about the MA Yojana.
• Distribution of MA Cards during planned enrollment activities.

In addition, separate operational guidelines require empanelled hospitals to conduct scheduled MA Health Camps, ensure the availability of specialist doctors, provide essential medicines during the camp, and submit online reports of camp activities for monitoring by the State Nodal Cell.

Important Conditions

Beneficiaries should keep the following points in mind while availing benefits under the scheme:

• Benefits are available only to eligible beneficiaries who have been issued a valid Mukhyamantri Amrutam (MA) Card.
• Cashless treatment can be availed only at government and empanelled private hospitals covered under the scheme.
• Treatment is available only for the approved medical procedures and benefit packages covered under Mukhyamantri
• Amrutam (MA) Yojana.
• Beneficiaries should keep their MA Card details updated through the authorized enrollment centres whenever there is a change in family details or the card is lost or damaged.

Important Links

• Official Website of Health and Family Welfare Department
• Official Website PMJAY
• PMJAY Hospitals
• Guidelines of Mukhyamantri Amrutam (MA) Yojana
• PMJAY–MA benefit limit extend upto 10 LAC
• PMJAY-MA Scheme Guide
• Specialty Hospitals

Contact Details

• Toll-Free Helpline (MA / PMJAY-MA Scheme): 18002331022
• Nodal Department: Commissionerate of Health, Medical Services & Medical Education, Government of Gujarat Block No. 5, Dr. Jivraj Mehta Bhavan Gandhinagar, Gujarat
• District-Level Contact: Chief District Health Officer (CDHO), contact your local district health office
• Email (for scheme-related queries): [email protected]

For Grievances / Complaints: Contact your nearest Taluka Kiosk, District Health Office, or call the toll-free number above. Complaints are handled at Taluka, District, Municipal Corporation, or State level depending on the issue.