health

Ayushman Bharat PM-JAY–Mukhyamantri Amrutum

Health and Family Welfare Department, Government of Gujarat / National Health Authority

PMJAY-MA provides fully cashless secondary and tertiary medical treatment up to ₹10 Lakh annually per eligible family across empanelled public and private hospitals in Gujarat. Covers hospitalization, surgeries, diagnostics, and post-discharge medicines under approved health packages.

Last verified: 2026-10-22

Chandan Charitable Trust is not a government agency. It does not sanction benefits or process applications. Final eligibility, verification and sanction rest solely with the competent government authority.

How the process works

Step 1: Check eligibility
Eligible under PM-JAY database, Mukhyamantri Amrutum (BPL), or MA Vatsalya (annual family income up to ₹4 lakh with valid income certificate). Beneficiary/family must be registered in the applicable PM-JAY or MA/MA Vatsalya database. Must complete Aadhaar-based e-KYC to obtain the Ayushman Card. Cashless benefits are provided exclusively at empanelled public and private hospitals for approved packages.
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Step 2: Prepare documents
The official source lists the following documents.
Documents needed for this step
- Aadhaar card of all family members.
- Ration card or family identification document.
- Active mobile number linked to Aadhaar for OTP.
- Current income certificate issued by Taluka Mamlatdar / TDO (for MA-Vatsalya route).
- Existing MA / MA Vatsalya card or PM-JAY letter, if already held.
Step 3: Apply
Online via https://beneficiary.nha.gov.in/, official Ayushman App, or at Common Service Centres (CSC) / Arogya Mitra Helpdesk at empanelled hospitals. Step 1: Check eligibility on https://beneficiary.nha.gov.in/ or at an Arogya Mitra desk using Aadhaar or Ration Card number. Step 2: Complete Aadhaar biometric or OTP e-KYC and upload beneficiary photograph. Step 3: Verification approved by State Health Agency, and Ayushman Card is generated. Step 4: Present Ayushman Card at Arogya Mitra desk at any empanelled hospital for cashless admission and pre-authorised treatment.
Step 4: Verification
Real-time Aadhaar e-KYC verified against SECC / National Health Authority database and Gujarat State Health database.
Step 5: Sanction / decision
Decision authority, as stated by the official source: National Health Authority & State Health Agency, Government of Gujarat.
Step 6: Benefit
Cashless secondary and tertiary hospitalisation coverage up to ₹10 Lakh per eligible family per year in Gujarat. Treatment covers surgical procedures, medical therapies, ICU, bed charges, diagnostics, medications, and food during hospitalisation. Coverage of pre-hospitalisation (up to 3 days) and post-hospitalisation expenses (up to 15 days including medicines). Cashless treatment at all empanelled government and private network hospitals across Gujarat and India. 100% cashless claims settlement directly between SHA and empanelled hospital.
Step 7: If delayed or rejected
Rejection reasons for e-KYC or claim pre-authorisation are tracked via the NHA TMS portal with right to appeal via CGRMS.
Step 8: Grievance / appeal
National PM-JAY helpline 14555; Gujarat PMJAY-MA helpline 1800-233-1022; Grievance portal: https://cgrms.pmjay.gov.in/

Eligibility details

Income limit: ₹4,00,000 annual. Annual family income up to ₹4 lakh under the MA-Vatsalya route (requires valid income certificate). PM-JAY database families qualify irrespective of income certificate.
Category: PM-JAY database family, BPL family under MA, or MA-Vatsalya family with income up to ₹4 lakh.
Residency: Resident of Gujarat.

Official links

Sources

Official Government Source

Verified: 2026-10-22

PMJAY-MA Official Gujarat Portal

Disclaimer: Chandan Charitable Trust facilitates awareness of government schemes. Final eligibility, sanction, and disbursement are solely determined by the competent government authority.

Official Government Source

Verified: 2026-10-22

National Health Authority Ayushman Beneficiary Portal

Disclaimer: Chandan Charitable Trust facilitates awareness of government schemes. Final eligibility, sanction, and disbursement are solely determined by the competent government authority.

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Ayushman Bharat PM-JAY–Mukhyamantri Amrutum

Health and Family Welfare Department, Government of Gujarat / National Health Authority

Last verified: 2026-10-22

How the process works

Step 1: Check eligibility

Eligible under PM-JAY database, Mukhyamantri Amrutum (BPL), or MA Vatsalya (annual family income up to ₹4 lakh with valid income certificate). Beneficiary/family must be registered in the applicable PM-JAY or MA/MA Vatsalya database. Must complete Aadhaar-based e-KYC to obtain the Ayushman Card. Cashless benefits are provided exclusively at empanelled public and private hospitals for approved packages.

Step 2: Prepare documents

The official source lists the following documents.

Documents needed for this step

Aadhaar card of all family members.
Ration card or family identification document.
Active mobile number linked to Aadhaar for OTP.
Current income certificate issued by Taluka Mamlatdar / TDO (for MA-Vatsalya route).
Existing MA / MA Vatsalya card or PM-JAY letter, if already held.

Step 3: Apply

Online via https://beneficiary.nha.gov.in/, official Ayushman App, or at Common Service Centres (CSC) / Arogya Mitra Helpdesk at empanelled hospitals. Step 1: Check eligibility on https://beneficiary.nha.gov.in/ or at an Arogya Mitra desk using Aadhaar or Ration Card number. Step 2: Complete Aadhaar biometric or OTP e-KYC and upload beneficiary photograph. Step 3: Verification approved by State Health Agency, and Ayushman Card is generated. Step 4: Present Ayushman Card at Arogya Mitra desk at any empanelled hospital for cashless admission and pre-authorised treatment.

Step 4: Verification

Real-time Aadhaar e-KYC verified against SECC / National Health Authority database and Gujarat State Health database.

Step 5: Sanction / decision

Decision authority, as stated by the official source: National Health Authority & State Health Agency, Government of Gujarat.

Step 6: Benefit

Cashless secondary and tertiary hospitalisation coverage up to ₹10 Lakh per eligible family per year in Gujarat. Treatment covers surgical procedures, medical therapies, ICU, bed charges, diagnostics, medications, and food during hospitalisation. Coverage of pre-hospitalisation (up to 3 days) and post-hospitalisation expenses (up to 15 days including medicines). Cashless treatment at all empanelled government and private network hospitals across Gujarat and India. 100% cashless claims settlement directly between SHA and empanelled hospital.

Step 7: If delayed or rejected

Rejection reasons for e-KYC or claim pre-authorisation are tracked via the NHA TMS portal with right to appeal via CGRMS.

Step 8: Grievance / appeal

National PM-JAY helpline 14555; Gujarat PMJAY-MA helpline 1800-233-1022; Grievance portal: https://cgrms.pmjay.gov.in/

Eligibility details

Income limit

₹4,00,000 annual. Annual family income up to ₹4 lakh under the MA-Vatsalya route (requires valid income certificate). PM-JAY database families qualify irrespective of income certificate.