Mukhyamantri Amrutum Yojana — Free Health in Gujarat

What is Mukhyamantri Amrutum (MA) Yojana?

Mukhyamantri Amrutum (MA) Yojana is Gujarat government's flagship health insurance scheme that provides ₹5 lakh per year cashless medical treatment to BPL and lower-income families. The scheme covers:

• Tertiary care hospitalization (surgeries, ICU, cancer treatment)
• Day care procedures
• Pre and post-hospitalization expenses (3 days before, 15 days after)

There is also MA Vatsalya Yojana — an extended version for families earning ₹4–6 lakh, with the same ₹5 lakh cover but beneficiaries pay a small annual premium.

Key Benefits

Who is Eligible for MA Yojana (Free)?

You ARE eligible if:

• You are a Gujarat resident
• Your family holds a BPL ration card (Below Poverty Line) OR an APL ration card with income ≤ ₹4 lakh/year
• Your family name appears in the MA Yojana beneficiary database (automatically enrolled if BPL card holders)

Documents Required

1. Aadhaar Card — all family members
2. Ration card — BPL/APL
3. MA Card — if already issued (check if your family has one)
4. Bank account details (for any direct transfers)

How to Check if You Are Enrolled

Many BPL families in Gujarat are automatically enrolled in MA Yojana. Check your status:

1. Go to ma.gujarat.gov.in
2. Enter your ration card number or Aadhaar
3. Check if your family is in the beneficiary list

If not enrolled, apply through:

• District Health Office in your district
• Common Service Centre (CSC)

How to Use MA Yojana at a Hospital

1. Visit any MA Yojana empanelled hospital (900+ hospitals in Gujarat, including government and private)
2. Go to the MA Yojana help desk / Arogya Mitra
3. Show your Aadhaar + ration card (or MA card if you have one)
4. The hospital verifies your eligibility in real-time
5. Cashless admission — no upfront payment for covered procedures
6. Hospital claims directly from the government

Diseases and Procedures Covered

MA Yojana covers a comprehensive list including:

• Cancer treatment (chemotherapy, radiotherapy, surgery)
• Heart surgery (bypass, valve replacement)
• Kidney transplant / dialysis
• Neurosurgery (brain, spine)
• Orthopaedic surgery (joint replacement, fractures)
• Diabetes complications
• Burns
• Maternal health emergencies

Frequently Asked Questions

1. We have a BPL card. Are we automatically enrolled in MA Yojana?

Yes. Gujarat BPL ration card holders are typically auto-enrolled. Verify at ma.gujarat.gov.in. If your family is not showing, apply through the District Health Office.

2. My mother needs dialysis. Is it covered under MA Yojana?

Yes. Kidney dialysis and related renal treatments are covered under MA Yojana. Ongoing treatment requires approval from the MA Yojana empanelled hospital.

3. The empanelled hospital near me is in a different district. Can I go there?

Yes. MA Yojana is valid across Gujarat — you can use any empanelled hospital in any Gujarat district.

4. What is the difference between MA Yojana and PM-JAY?

PM-JAY covers ₹5 lakh nationally for SECC-listed families. MA Yojana covers ₹5 lakh for Gujarat-specific BPL families. Both can work together — your family may be eligible under one or both. In Gujarat, these are often integrated.

5. I belong to an APL family but my income is ₹3 lakh. Can I apply?

Yes. MA Yojana covers APL families with income ≤ ₹4 lakh. Apply through your District Health Office with your APL ration card and income certificate.

Official Links