MA Amrutam & MA Vatsalya Yojana Gujarat — Health Insurance Scheme Guide – How to Apply & Benefits

What is MA Amrutam & MA Vatsalya Yojana?

MA Amrutam Yojana (MAA) and MA Vatsalya Yojana are health insurance schemes by the Government of Gujarat that provide cashless medical treatment at empanelled hospitals for families below the poverty line and lower-middle-class families.

• MA Amrutam: For BPL families (annual income up to ₹1.20 lakh in rural / ₹1.50 lakh in urban)
• MA Vatsalya: For families with annual income up to ₹4 lakh (middle class coverage)

Both schemes now operate in convergence with Ayushman Bharat – PMJAY, providing coverage up to ₹5 lakh per family per year.

Coverage

Who is Eligible?

MA Amrutam (BPL)

• BPL families with annual income ≤ ₹1.20 lakh (rural) / ₹1.50 lakh (urban)
• Must be a Gujarat resident
• Must hold BPL ration card

MA Vatsalya (Middle Class)

• Families with annual income up to ₹4 lakh
• Families pay a nominal annual premium of ₹300-₹400 (subsidized)
• Must be a Gujarat resident

Now Merged with AB-PMJAY

• Families in the SECC list are automatically covered
• No premium for AB-PMJAY eligible families

Documents Required

• Aadhaar card of all family members
• BPL ration card / income certificate
• MA Card (if already issued)
• Bank account details
• Passport-size photographs
• For MA Vatsalya: Premium payment receipt

How to Get MA Card / Avail Benefits

Getting the MA Card

1. Visit the nearest MA card distribution centre, Taluka Health Office, or empanelled hospital
2. Carry ration card, Aadhaar, and income certificate
3. Biometric registration — fingerprints and photo captured
4. MA Card issued on the spot or within a few days
5. Card covers up to 5 family members

Availing Treatment

1. Visit any empanelled hospital (government or private)
2. Show MA Card and Aadhaar at the reception / Arogya Mitra desk
3. Biometric verification of identity
4. Pre-authorization — hospital sends request to insurance/TPA
5. Cashless treatment — no payment required for covered procedures
6. Post-discharge — follow-up covered for 15 days

Finding Empanelled Hospitals

• Visit magujarat.com and search hospital directory
• Call helpline: 1800-233-1022 (toll-free) or 104

Processing Time

• MA Card issuance: Same day to 7 days
• Pre-authorization at hospital: 6-24 hours
• Treatment: As per medical requirement

Fees

Important Tips

1. Get MA Card made — Even if you're AB-PMJAY eligible, having the MA Card makes hospital verification faster
2. Carry Aadhaar always — Biometric verification requires Aadhaar
3. Use only empanelled hospitals — Non-empanelled hospitals are not covered
4. No middlemen — Approach the Arogya Mitra directly; don't pay agents
5. Report overcharging — Call 1800-233-1022 if any hospital demands money for a covered procedure

Frequently Asked Questions

Q1. What is the difference between MA Amrutam and MA Vatsalya?

MA Amrutam is free for BPL families. MA Vatsalya covers middle-class families (income ₹1.5-4 lakh) with a small annual premium of ₹300-400.

Q2. Can I use the MA Card outside Gujarat?

Under AB-PMJAY convergence, you can avail cashless treatment at any empanelled hospital across India.

Q3. Are pre-existing diseases covered?

Yes. There is no waiting period for pre-existing conditions.

Q4. What if I don't have an MA Card?

If you're in the SECC/BPL list, you can still avail treatment using Aadhaar-based verification at empanelled hospitals.

Q5. How many family members are covered?

Up to 5 family members per card on a floater basis (total coverage shared among members).

Q6. Is dialysis covered?

Yes. Regular dialysis is covered under the scheme at empanelled centres.

Disclaimer: This guide is for informational purposes only. CitizenNest is not affiliated with the Government of Gujarat. Verify on magujarat.com.