Only 15% of Indians are protected by health insurance cover, leaving a vast majority of the population to finance medical care out of their pocket. However, growing awareness about health and lifestyle diseases as well as the desire to be financially prepared to meet high costs of medical treatments is leading many to purchase health insurance for their family.
Take for instance, personalised health insurance plans available on Finserv MARKETS that come with high sum insured of up to Rs 50 lakhs and a high claim settlement ratio. Apart from this, there are also government sponsored schemes in several states that offer health insurance at an affordable cost. Mukhyamantri Amrutam Yojana or MA Yojana is one such scheme for those residing in Gujarat.
Also known as Mukhyamantri Amrutam Vatsalaya, MA yojana was inaugurated in September 2012 to provide financial assistance to those living below the poverty line. However, it was extended to lower-middle class families later. It prides itself on being a holistic health scheme that provides coverage right from the time a person is diagnosed with a medical condition, to the treatment as well as the cost of care after hospitalisation.
A person holding a MA card is entitled to a host of benefits as outlined below:
No coverage is provided for cosmetic treatments and non-emergency procedures to those holding a MA amrutam card.
To get a MA amrutam card, a family member needs to approach a kiosk at the Taluka or civic center in their area. Mobile kiosks are also available at local level. A list of families which fall under the poverty line and have an annual income below Rs. 4 Lakhs is used as reference during the enrolment process.
Biometrics such as fingerprint and iris scan and photograph of the members are captured. An application form in Gujarati also needs to be filled along with submission of necessary documents. Once the details are verified, the MA amrutam card is given to the beneficiaries.
It is important to carry the documents mentioned below when visiting the nodal agency for enrolment:
An applicant cannot download or apply for the MA amrutam card online. You need to visit the enrolment center and fill your details in the application form in Gujarati. You can revisit the center to check the status of your MA card or understand scheme details on the Mukhyamantri Amrutum Yojana website by logging in.
Alternatively, you can easily install the MA app on your Android smartphone to help you locate the hospital empanelled under the scheme nearest to you during an emergency. Apart from this, you can also get the complete list of hospitals including their contact details and various features of the scheme as well.
The validity of MA amrutam card lasts for 3 years, after which it needs to be renewed. You can either call the customer care or visit the nearest designated kiosk with your income certificate and previous MA card for renewal.
The PDF of MA Yojana application form is not required for enrolment. Instead, you can visit the Mukhyamantri Amrutum website to locate your nearest kiosk. The form for application is provided at the kiosk itself.
Claiming benefits under the Mukhyamantri Amrutum Yojana is an easy and paperless process. You need to submit your QR MA card to the network hospital for verification, after which treatment is started. The entire process is cashless with the claim settled directly between the insurance company and the hospital once the treatment is over.
Both private and government hospitals in Gujarat are registered under the Mukhyamantri Amrutum Yojana. Some of these include:
Adani institute of medical sciences
HJ Doshi Hospital
Premdas Jalaram Hospital
Muni Sewa Ashram
Sita Superspecialty Hospital
Civil hospital Surat
A toll free helpline number 18002331022 is provided to address any queries of those enrolled with the scheme. Apart from this, you can also mail the concerned officials at email@example.com. You can also write to the Commissionerate of Health, Mukhyamantri Amrutum Yojana, Block 5, Jivaraj Mehta Bhavan, Gandhinagar- 382010.
Purchasing health insurance is an investment in your future that can help you be financially independent as you get the best medical care when diagnosed with a health condition. Health Insurance available on Finserv MARKETS not only covers pre and post hospitalisation expenses but also provides cashless facility at a network of 6500 hospitals pan India. So buy health insurance today and enjoy quality healthcare facilities in the future with the health plans available on Finserv MARKETS.
A maximum of 5 members can be enrolled as per the regulations. However, a newborn child can be considered as the 6th member.
MA card covers all pre-existing diseases from Day 1 of enrolment in the Mukhyamantri Amrutum Yojana.