Mukhyamantri Amrutum (MA) Yojana

What is Mukhyamantri Amrutum Yojana?

Mukhyamantri Amrutum Yojana, universally shortened to MA Yojana and often written in Gujarati as Mukhyamantri Amrutam, is a medical care scheme of the Health and Family Welfare Department, Government of Gujarat, launched on 4 September 2012.

According to the Health and Family Welfare Department, the scheme was created because a large number of households are pushed into poverty as a result of high household spending on health care, and the Below Poverty Line population is especially vulnerable to catastrophic health risks. The department states that the objective is to improve access of BPL families to quality medical and surgical care for the treatment of identified diseases involving hospitalisation, surgeries and therapies, through an empanelled network of health care providers.

Mukhyamantri Amrutum Yojana has not stayed still since 2012. Three changes matter to anyone reading about it today:

1. MA Vatsalya, an extension that opened the same benefits to families just above the poverty line, with the income ceiling eventually set at an annual household income of up to Rs 4 lakh.
2. Merger with Ayushman Bharat PM-JAY in 2019, creating the combined PMJAY-MA Yojana with a single co-branded card. Prime Minister Narendra Modi kickstarted the distribution of PMJAY-MA Ayushman cards in Gujarat on 17 October 2022.
3. Doubling of the cover to Rs 10 lakh per family per year with effect from 10 July 2023, up from Rs 5 lakh.

So a reader searching for "Mukhyamantri Amrutum Yojana" in 2026 is, in practice, looking for the PMJAY-MA card and the Rs 10 lakh cover.

What treatment does MA Yojana cover?

The Health and Family Welfare Department lists the surgical and therapeutic groups covered by Mukhyamantri Amrutum Yojana, with the number of benefit packages in each:

Under the merged PMJAY-MA arrangement the package list has grown far beyond this original set. Reporting on the scheme puts the current package count at 2,471 types of treatments and surgeries, delivered through 2,027 state-run hospitals, 803 private hospitals and 18 central government hospitals in Gujarat.

Treatment is cashless at the point of care. A card-holding family does not pay the hospital and then claim reimbursement; the empanelled hospital bills the scheme directly.

Who is eligible for Mukhyamantri Amrutum Yojana?

You can enrol if:

• Your family is on the BPL list of the Government of Gujarat, the original MA Yojana category.
• Your family's annual household income is up to Rs 4 lakh, the MA Vatsalya category for families just above the poverty line.
• Your family appears in the SECC 2011 database used by Ayushman Bharat PM-JAY, in which case you are covered through the central component of the merged PMJAY-MA scheme.
• You are a resident of Gujarat and can produce Aadhaar and a ration card for the family.
• You belong to one of the special categories the state has added to the scheme over the years, such as accredited social health activists, accredited journalists and certain classes of state employees. Check the current list at the hospital Arogya Mitra desk, since these additions are notified from time to time.

You are not eligible and cannot apply if:

• Your annual household income exceeds Rs 4 lakh and your family is neither on the BPL list nor in the SECC-based PMJAY list.
• You are not a resident of Gujarat and are not covered by PMJAY in your own state. Note that a PMJAY beneficiary from another state can still be treated at a Gujarat empanelled hospital under national portability, that is a different thing from enrolling in the Gujarat state component.
• The family is already covered and is attempting a duplicate enrolment under a second card, which the Aadhaar-based e-KYC will flag.

There is no enrolment fee and no premium. The scheme is fully funded by the government, so a family that is asked to pay for a card is being defrauded.

What documents are needed?

How to apply for and get the PMJAY-MA card

1. Check whether your family is already listed. Ask at the Arogya Mitra desk of any empanelled hospital, a Common Service Centre or a Jan Seva Kendra, or check on the PMJAY beneficiary portal using your mobile number and Aadhaar.
2. Collect your documents, Aadhaar cards of every family member, the ration card, proof of residence, and an income certificate if you are applying in the MA Vatsalya category.
3. Visit an enrolment point. Enrolment is done at empanelled hospitals' Arogya Mitra desks, Common Service Centres, Jan Seva Kendras, taluka level kiosks and the Ayushman card camps that the state runs periodically.
4. Complete Aadhaar e-KYC for each family member. This is a biometric or OTP-based step and it is what actually links a person to the family's cover.
5. Verify the family list shown on the screen before it is submitted. Adding a member later is possible but slower than getting it right at enrolment.
6. Collect or download the co-branded PMJAY-MA card. Keep a printed copy and a photograph of it on the phone of at least two family members.
7. Use the card at admission. Report to the Arogya Mitra desk of the empanelled hospital with the card and Aadhaar; the desk raises the pre-authorisation and treatment proceeds cashless.

How to use the scheme during a hospital admission

1. Go to an empanelled hospital. Only empanelled hospitals can provide cashless treatment; a bill from a non-empanelled hospital is not reimbursable.
2. Report to the Arogya Mitra / Pradhan Mantri Arogya Mitra desk as soon as admission is advised, with the PMJAY-MA card and Aadhaar.
3. The hospital raises a pre-authorisation request against the applicable package. Ask for the package name so you know what is covered.
4. Treatment proceeds cashless up to the family's remaining annual cover of Rs 10 lakh.
5. Do not pay cash for anything included in the package. If the hospital asks, escalate on the spot.

Common problems and how to fix them

• Name not found in the beneficiary list. Take the ration card and Aadhaar to a CSC or an Ayushman camp for a fresh search; families are often listed under a slightly different spelling or under the head of household's name.
• A family member missing from the card. Complete that member's e-KYC separately at an enrolment point; the addition attaches to the same family cover, it does not create a new cover.
• Aadhaar and ration card name mismatch. Correct the Aadhaar record first, because e-KYC works off Aadhaar.
• Mobile number not linked to Aadhaar, which blocks OTP-based e-KYC. Use biometric verification at the enrolment point instead.
• Hospital says cover is exhausted. The Rs 10 lakh limit is per family per year and is shared across all members; check the balance at the Arogya Mitra desk.
• Hospital demands cash. Call 1800-233-1022 or 14555 immediately with the hospital name and card number.

Key dates in the scheme's history

• 4 September 2012; Mukhyamantri Amrutum Yojana launched for BPL families.
• MA Vatsalya extension; cover opened to families above the poverty line, with the income ceiling later set at Rs 4 lakh a year.
• 2019 — MA and MA Vatsalya merged with Ayushman Bharat PM-JAY as PMJAY-MA, with a single co-branded card.
• 17 October 2022, Prime Minister launched the distribution of PMJAY-MA Ayushman cards in Gujarat.
• 10 July 2023; cover doubled from Rs 5 lakh to Rs 10 lakh per family per year.
• December 2025. The state reported that over 1.20 crore families in Gujarat had received benefits under the PMJAY-MA health scheme.

Enrolment itself is open all year with no last date. A family can enrol at any time, including on the day of an emergency admission if the documents are in order, though doing it in advance avoids delay at the worst possible moment.

Where to complain or get help

• MA Yojana helpline: 1800-233-1022
• Ayushman Bharat helpline: 14555
• Arogya Mitra desk inside every empanelled hospital. The fastest route for an admission-time problem
• Health and Family Welfare Department, 7th Floor, Block No. 7, Sardar Patel Bhavan, Sachivalaya, Sector 10, Gandhinagar 382010
• Department portal: gujhealth.gujarat.gov.in, which carries the scheme page, government resolutions and notifications

Enrolment, the card and treatment under Mukhyamantri Amrutum Yojana are free. No agent is authorised to charge for making a PMJAY-MA card.