Introduction of the Programme: –

For people who are living below poverty line & lower income group, an illness not 

only represents a permanent threat to their income and earning capacity, but in many cases it 

results in the family falling into a trap of debt. When need to get treatment arises for a poor 

family they often ignore it because of lack of resources, fearing loss of wages, or they wait 

till the last moment when it is too late. Health and poverty are interwoven. These families are 

pushed into a vicious debt poverty cycle due to excessive expenditures arising out of 

catastrophic health shocks. 

To address this key vulnerability faced by the BPL population in the Gujarat, 

Mukhyamantri Amrutam “MA” Yojana was launched on 4th September, 2012 by 

Government of Gujarat.

When in the Lower middle class families, critical illness occur and when such families are 

not included in the definition of BPL so they cannot get free treatment, and they are not able 

to spend money for critical illness. So, Based on feedback from various stakeholders, the 

Scheme was extended to families of lower income group names as Mukhyamantri 

Amrutam Vatsalya Yojana in August 2014.

On 18/10/2017, the limit of income is been increased from Rs. 1.50 lakh to Rs. 2.50 lakh per 

annum for “MA Vatsalya” beneficiaries. On 01/04/2018, the limit of income is been again 

increased from Rs. 2.50 lakh to Rs. 3.00 lakh per annum for “MA Vatsalya” 


During year of 2016, U-win Card holders are also included under the scheme.

In Current Financial Year 2017-18, all urban & rural ASHAs (Accredited Social Health 

Activist), Reporters and fix pay employees of class-3 & 4 appointed by state government

are included under “MA Vatsalya” Yojana.

Senior citizens of those families with annual income up to Rs. 6 lakh are included under 

“MA Vatsalya” scheme.

All beneficiaries can avail cashless quality medical and surgical treatment for catastrophic 

illnesses related to: Cardiovascular diseases, Renal diseases, Neurological diseases, Burns, 

Poly-Trauma, Cancer (Malignancies), Neo-natal (newborn) diseases, Knee & Hip 

Replacement & Kidney, Liver and Kidney + Pancrease Transplantation which cover 698

defined procedures along with their follow ups.

The Sum assured is up to Rs. 3,00,000/- per family per annum on a family floater basis.

Kidney Transplant, Liver Transplant, Kidney + Pancrease Transplant procedures are covered 

with benefit up to Rs. 5,00,000/- under scheme. 

Knee and Hip replacement procedures are covered with cap of Rs. 40,000/ – per one 

replacement. Additional cost will be borne by the beneficiary.

Rs. 300/- is paid to the beneficiary as transportation charges for every instance of availing 

treatment from the empanelled hospital.

To avail benefits every family has issued a QR coded 

card (Quick Response Coded Card). This card 

contains the photograph of the head of the 

family/spouse, a unique registration number (URN), 

District name, Taluka name & Village name and the 

biometric thumb impressions of all the enrolled family 

members along with the details are stored on the central 

server which can be fetched online at the click of a 


“MA Vatsalya” Card is compulsory for availing 

treatment. After availing Income Certificate, 

beneficiaries can get “MA Vatsalya” Card and for that 

the following officers have been appointed to give 

income certificate to the beneficiaries:

o District Collector, District Development 

Officer, Deputy Collector / Assistant 

Collector, Province Officer, Deputy District

Ma yojana full details in gujarati

Development Officer, Taluka Mamlatdar, 

Taluka Development Officer, Deputy 


Benefits to a unit of five members of the family (Head of family, spouse, and three 

dependents). A newborn is covered as 6th member of the family during that financial year.

There is no Insurance and hence there is no scope for any intermediary to make profits 

under “MA”.

There are zero direct costs incurred by the beneficiaries of MA Yojana as all costs of 

treatment, medicines, follow-up and transportation etc are borne by the State.

For beneficiaries enrolment, Taluka kiosks and Civic Centre kiosks have been established 

at the Taluka and City civic center Kiosk where beneficiaries can enroll themselves, can get 

his/her card split, can addition/deletion of family members, and can get a new card in case of 

lost card. Mobile kiosks are also provided at each district for growingly enrollment. 

Private hospitals, Government hospitals and Standalone dialysis centers are empanelled to 

avail benefits under the scheme.

Payment against approved claims is released directly through RTGS by the State Government. 

No intermediary agency is involved in the process.

For encouraging Quality services, Hospitals accreditation by NABH / JCI (Joint Commission 

International)/ ACHS (Australia) or by any other accreditation body approved by International 

Society for Quality in Healthcare (ISQua) are given Quality Incentives of 10% extra package 

change over and above the package rates. 

IEC activities are also carried out. Under this, Mega Heath Camps are conducted in every 

district in which participation of empanelled hospitals, both private and govt. is necessary. In 

addition to Mega Health Camps, General Health Camps are also conducted by the 

empanelled hospitals every month. Radio and Print advertisements are given in local radio 

channels and newspapers to generate awareness about the scheme in the targeted population.

Rs.100 per BPL family is given to ASHA to accompany BPL family for enrollments at their 

respective Kiosk. Enrollment through Mobile Kiosk, incentive of Rs. 2/- per registration of 

“MA” & “MA Vatsalya” family is given to ASHA.

 This is a 100 % State funded scheme where the fund directly goes to the service 


 To have healthy competition and not to replace public institutionsconsciously, it was 

decided to empanel both private and public/trust/Grant-In-Aid hospitals to render 

their services under ‘MA’. 

 Package rates selected under ‘MA’ are derived from the market through competitive 

bidding process via e-tendering. Unlike from other states which went by the 

recommendation by Advisory Committee members in this Scheme.

 Implementation support agency(ISA): SNA is assisted in scheme management by 

an Implementation Support Agency (ISA) which is contracted to MD India Pvt. Ltd. 

through a competitive bidding process. ISA provides pre-authorization of all cases, and 

perform claim processing task. ISA maintains a call centre for grievance redressal, and 

does initial screening of hospitals for empanelment. ISA also hires Regional 

Coordinator, District Coordinator and Arogya Mitras(at hospital level) to manage the 


 A dedicated state owned data centre and server is established with a storage capacity of 5 

TB to deal with the voluminous data being generated. The IT Support Agency, (n) Code 

Solutions, is responsible for the development of software, enrollment of beneficiaries, 

setting up of Taluka kiosks etc.

Key Takeaways:-

 Paperless Claim Processing for early claim settlement.

 It’s protecting beneficiaries from high, unexpected catastrophic health expenditure 

and from falling into debt.

 Encouraging quality services by increasing 10 % extra over and above the package 

rates to Hospitals accreditation by NABH / JCI / ACHS or by any other 

accreditation body approved by International Society for Quality in Healthcare.