Health Insurance 108 views January 19, 2021

Mukhyamantri Amrutam Yojana is a Gujarat Government health scheme launched on 4th September 2012. This scheme helps provide quality healthcare services to people Below Poverty Line (BPL). Later, Mukhyamantri Amrutam Yojana started covering middle class families as well. This policy will cover your entire medical expenses from diagnostic tests to post-hospitalization. It is a great scheme for those who are in need. So read this page below and learn more about the Mukhyamantri Amrutam Yojana.

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Key Features of Mukhyamantri Amrutam Yojana

  1. 100% state-funded scheme
  2. Organization of mega and general health camps every month
  3. Dedicated empanelled hospitals
  4. Cashless claims

Coverage Under Mukhyamantri Amrutam Yojana

Under this health insurance scheme, you will be covered for the following:-

  1. Medical expenses per family per annum is INR 5,00,000
  2. Travel charges are covered at INR 300 per hospitalization
  3. Repatriation of the insured person remains is covered at INR 6 per kilometer from the hospital to the place of his/her residence
  4. Diagnostics expenses
  5. Hospital registration fees
  6. Admission charges
  7. Food for the patient
  8. Surgery expenses
  9. Post-surgery follow-up services
  10. Prescribed Medicines

The following are the medical departments that will be covered under this Gujarat health scheme.

  1. Burns and plastic surgery
  2. Nephrology
  3. Cardiothoracic & vascular surgery
  4. Neurosurgery neurology
  5. Cardiology
  6. Obstetrics and gynecology
  7. Emergency room packages
  8. Ophthalmology
  9. General medicine
  10. Oral and maxillofacial surgery
  11. General surgery
  12. Organ transplant packages
  13. Genitourinary surgery (renal)
  14. Orthopedics and polytrauma
  15. Interventional neuroradiology
  16. Otorhinolaryngology
  17. Knee & hip replacement
  18. Pediatric surgery
  19. Medical oncology
  20. Pediatric medical management
  21. Mental disorder packages
  22. Radiation oncology
  23. Neonatal packages
  24. Surgical oncology

Additional Benefits of Mukhyamantri Amrutam Yojana

You will also get all benefits of the PM-JAY package under this health scheme i.e. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. So the following expenses will also be covered under your Mukhyamantri Amrutam Yojana.

  1. Medical examination
  2. Consultation
  3. Treatment
  4. Pré-hospitalization
  5.  Intensive and non-intensive care
  6. Medicine and other prescribed consumables
  7. Diagnostic and laboratory fees
  8. Accommodation charges
  9. Implant services wherever required
  10. Food services
  11. Complication during treatment
  12. Post-hospitalization up to 15 days
  13. COVID-19 treatment if diagnosed positive

Exclusions from the Mukhyamantri Amrutam Yojana

This attractive government health insurance scheme won’t pay for the following:-

  1. Cosmetic treatments such as plastic surgery for beauty-enhancing
  2. Certain non-emergency procedures that are mentioned in the policy document

Enrol In Mukhyamantri Amrutum Yojana

Government authorities such as Taluka and Civic Centers form a list of families whose annual income is < INR 4 Lakh for enrolling them to this scheme. To enroll under the Mukhyamantri Amrutum Yojana, you and your family members should visit kiosks at Taluka or civic centers of your area. The Gujarat Government has also introduced mobile kiosks at local levels. At Taluk office, Civic centers and Mobile kiosks, you need to capture your biometric information like fingerprints, iris scans, etc. Also, photographs of the family will be taken.

After that, you need to fill the Mukhyamantri Amrutum card application form in Gujarati with your family details, submit it along with the set of documents mentioned below:

  1. Address proof such as Ration card
  2. ID proof like Aadhaar card, Voter ID card, Driving License, or PAN card
  3. Below Poverty Line (BPL) Certificate for income proof

After the verification of documents, you will get a Mukhyamantri Amrutam card, a pamphlet of the scheme, and a list of empanelled hospitals. You can also download the Mukhyamantri Amrutum app and see a complete list of empanelled hospitals. These details will also be provided at the time of enrolment. If you misplace the empanelled list of hospitals, visit the local kiosk and fetch the MA card hospital list.

Claim Process for Mukhyamantri Amrutam Yojana

You need to submit your QR card at an empanelled hospital to begin the verification process. When the verification is completed, the treatment of the insured person will start. After the completion of treatment, the empanelled hospital will send the details to the insurer and the claim will be settled directly.

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