Mukhyamantri Amrutum Yojana is a health insurance scheme that the Government of Gujarat launched on 4th September 2012. Initially, the scheme was launched to cater to people falling under the lowest income groups in Gujarat i.e. Below Poverty Line (BPL). But later, iterations of the scheme extended benefits to lower-middle-class families also. The holistic health insurance scheme covers the insured completely during a medical emergency. Starting from diagnostic tests to post-hospitalisation care. It covers up to 5 family members. In the case of a newborn baby, he/she will be considered as the 6th member. The scheme is truly a boon for those in need.

Mukhyamantri Amrutum Yojana is a scheme created truly for the benefit of the people. The main features of the policy are as follows:

• The beneficiary is not required to pay any premium or an amount for enrollment. The scheme is 100% state-funded.
• ASHA workers helping Below Poverty Line families under MA Yojana are provided an incentive of Rs. 100 per family
• Every month Mega and General Health Camps are set up on district levels with the help of both private and government empanelled hospitals
• Dedicated data centers and servers are used to store and manage data
• The processes of claims and other services are carried out without any paperwork
• International Society for Quality Healthcare accredited services are offered
• Have both government and private hospitals to promote healthy competition

Inclusions Mukhyamantri Amrutum Yojana

Major benefits offered under Mukhyamantri Amrutum Yojana are as follows:

• Cover for medical expenses for Rs. 5 lakh per family for every year
• Travel charges for Rs. 300 per hospitalisation
• Repatriation of remains for Rs. 6 per kilometer from the hospital to the residence
• All benefits of the PMJAY Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
• Other expenses that the policy covers include diagnostics, admission charges, surgery, medicines, food of the patient, admission expenses, hospital registration, post-surgery follow up expenses, and travel expenses

Tabulated below are the diseases covered under Mukhyamantri Amrutum Yojana:

Exclusions Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana covers the insured for a large number of healthcare treatments and there are very few exclusions under it. These are mentioned below:

• Cover for some non-emergency procedures
• Cover for cosmetic treatments such as plastic surgery to enhance aesthetics

Eligibility For Mukhyamantri Amrutum Yojana

Given below is the eligibility criteria for Mukhyamantri Amrutum Yojana:

• Lower-income group families named Mukhyamantri Amrutum Vatsalya Yojana in August 2014
• People with an annual income of less than Rs. 4 lakh
• U-win cardholders are also included
• All urban and rural Accredited Social Health Activists (ASHAs), reporters, and fixed pay employees of class 3 & 4 appointed by the state government
• Senior citizens of families with an annual income group of a maximum of Rs. 6 lakh

Enrollment Process Mukhyamantri Amrutum Yojana

To enroll for a Mukhyamantri Amrutum Yojana, a family member is required to reach the kiosk at the Taluka or civic center in the area. There are also mobile kiosks at the local level. The families that fall below the poverty line and have an extra income less than Rs. 4 lakh are taken as a reference at the time of enrolment.

Biometrics like iris scan and fingerprints and photographs of the members are taken. The person to be insured is also required to fill an application form in Gujarati and submit the required documents. After the details are verified, the MA Amrutum card is provided to the beneficiary.

Documents Required for Mukhyamantri Amrutum Yojana

When visiting the nodal agency, the beneficiary is required to carry the following documents for enrolment under Mukhyamantri Amrutum Yojana:

• Identification proof
• Address proof
• Proof of income
• Certificate showing that the family falls in the Below Poverty Line category

The authorities responsible for the verification process are as follows:

1. District Level Authorities

• Deputy Mamalatdar

2. Taluka Level Authorities

• Administrative Officers (Taluka Health Office)
• Appointed Officer at A.T.V.T. Centers
• Nagar Palika Chief Officer
• Female health worker/ multipurpose health worker (for mobile kiosk only)
• Taluka Development Officer
• Taluka Female Health Supervisor
• Taluka Health Officer
• Taluka Information, Education and Communication Officer
• Taluka Information, Education and Communication Officer
• Taluka Mamalatdar

3. Municipal Corporation Authority

• All permanent employees of government offices in the area under the corporation.
• Appointed officer of the civic center in the municipal corporation area.