Ayushman Asom – Mukhya Mantri Jan Arogya Yojana (AA-MMJAY) Guide

The Government of Assam launched the Ayushman Asom – Mukhya Mantri Jan Arogya Yojana (AA-MMJAY) in May 2023 to expand health insurance coverage to more families across the state. This scheme is designed to provide cashless medical benefits to economically vulnerable families who are not covered under the national Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY).

AA-MMJAY operates on a family-floater model, providing a significant financial cushion against healthcare expenses. The scheme has effectively replaced the state's previous individual-based health scheme, the Atal Amrit Abhiyan, by merging its beneficiaries into this new, more comprehensive framework. The Atal Amrit Abhiyan Society is the implementing agency for both the state and central Ayushman schemes in Assam, ensuring streamlined management and execution.

Ayushman Asom - MMJAY: At a Glance

• Coverage Amount — ₹5 lakh per family, per year
• Launch Date — May 2023
• Implementing Agency — Atal Amrit Abhiyan Society
• State Helpline — 1800 103 9975
• National Helpline — 14555
• Grievance Email — grievance@aaasassam.in

Rates shown are as per the Atal Amrit Abhiyan Society, Government of Assam (2023) and are subject to periodic revision. Always verify the latest approved rates on the official source.

What is Covered Under AA-MMJAY?

The Ayushman Asom – Mukhya Mantri Jan Arogya Yojana provides substantial financial protection for medical treatments. Each eligible family receives cashless coverage of up to ₹5 lakh per year on a family-floater basis. This means the total sum can be used by one or more members of the family for various treatments throughout the year until the limit is reached.

The scheme covers an extensive list of 1,949 medical procedures across 27 different specialties. This ensures that beneficiaries have access to a wide range of healthcare services for common and critical illnesses.

Key specialties covered include:

The benefit package is comprehensive and includes costs associated with hospitalization. This covers expenses for diagnostic tests, medicines, and pre- and post-hospitalization costs within defined limits, reducing the out-of-pocket expenditure for families.

• Cardiology
• Cancer treatment
• Renal (kidney) diseases
• Neurological conditions
• General surgery
• Orthopaedics
• Maternity-related complications

Who is Eligible for Ayushman Asom - MMJAY?

The AA-MMJAY scheme has specific eligibility criteria to ensure it reaches its intended beneficiaries—economically vulnerable families who are not part of the central PM-JAY scheme.

To qualify for Ayushman Asom - MMJAY, a family must:

The primary distinction between AA-MMJAY and the central AB-PMJAY lies in the beneficiary list. While AB-PMJAY in Assam covers around 27 lakh families identified through the Socio-Economic Caste Census (SECC) 2011, AA-MMJAY was created to include an additional 32 lakh families who are beneficiaries of the National Food Security Act but were not on the SECC 2011 list. Together, these two schemes aim to provide a comprehensive health security net for a large portion of Assam's population.

• Be a beneficiary of the National Food Security Act (NFSA) and possess a valid ration card.
• Have their NFSA ration card linked to their Aadhaar card.
• Be a permanent resident of Assam.
• Not be a beneficiary of the Ayushman Bharat PM-JAY scheme.

How to Enrol and Get the Ayushman Asom Card

Enrolment for the AA-MMJAY is a digital process based on e-KYC (Know Your Customer) verification. The government has made this process accessible through multiple channels to ensure all eligible families can register.

Beneficiaries can complete their e-KYC in two main ways:

The primary documents required for the e-KYC process are the family's NFSA ration card and the Aadhaar cards of the family members for identity verification. Once the e-KYC is successfully completed and approved, the beneficiary can download their Ayushman card. This card is the primary identification for availing cashless services. However, until the physical cards are distributed or downloaded, beneficiaries can use their NFSA ration card at empanelled hospitals to access benefits.

• **Assisted Enrolment:** Government frontline workers, such as ASHA workers, conduct house-to-house campaigns to help families complete their e-KYC process.
• **Self-Enrolment:** Beneficiaries can also visit the national Ayushman Bharat portal (`setu.pmjay.gov.in`) to self-register and complete the e-KYC process online.

How AA-MMJAY Works with Ayushman Bharat (PM-JAY)

Ayushman Asom - MMJAY is a co-branded scheme that functions in parallel with the national Ayushman Bharat PM-JAY. It is not a top-up plan but an extension of the same health benefits to a different group of beneficiaries within Assam. The goal is to create a wider, more inclusive health coverage system in the state.

The key difference is the target population. AB-PMJAY provides coverage to families identified based on the SECC 2011 database. AA-MMJAY extends the same ₹5 lakh coverage to NFSA ration card holders who were not included in the central scheme's list. This strategic alignment ensures that a larger number of vulnerable families receive financial protection against medical emergencies.

Both schemes are managed and promoted together under the unified 'Ayushman' brand in Assam. The Atal Amrit Abhiyan Society serves as the nodal agency for implementing both schemes, which allows for consistent operational guidelines, a shared hospital network, and a unified grievance redressal mechanism.

Using the AA-MMJAY Card at Government and Private Hospitals

The AA-MMJAY scheme is designed to provide completely cashless treatment at empanelled hospitals, removing the need for beneficiaries to pay upfront. The process is straightforward:

Beneficiaries can access these services at a wide network of hospitals. This includes over 323 empanelled public and private hospitals located within Assam. Furthermore, the scheme offers national portability, meaning beneficiaries can receive treatment at any hospital empanelled under Ayushman Bharat PM-JAY across India. A combined and updated list of all empanelled hospitals is available on the official website of the Atal Amrit Abhiyan Society.

• The beneficiary must visit the help desk of an empanelled hospital.
• They need to present their Ayushman Asom card or their NFSA ration card for identification.
• The hospital's Arogya Mitra will verify the beneficiary's eligibility using their credentials.
• Once verified, the hospital provides the necessary treatment for any of the 1,949 covered procedures.
• The hospital sends the bill directly to the government for settlement, and the patient does not have to pay, provided the treatment cost is within the ₹5 lakh annual limit.

Frequently Asked Questions

What is the difference between Atal Amrit Abhiyan and Ayushman Asom-MMJAY?

Atal Amrit Abhiyan was an older scheme providing individual coverage. It has been discontinued. Ayushman Asom-MMJAY is the current scheme, launched in May 2023, which provides a ₹5 lakh family-floater cover to NFSA beneficiaries not covered by PM-JAY.

How much does the Ayushman Asom-MMJAY scheme cover?

The scheme provides cashless medical treatment coverage up to ₹5 lakh per eligible family per year on a family-floater basis.

Can I use my AA-MMJAY card outside Assam?

Yes, the scheme offers national portability. You can avail cashless treatment at any hospital across India that is empanelled under the Ayushman Bharat PM-JAY scheme.

What documents do I need to apply for an Ayushman Asom card?

You need your National Food Security Act (NFSA) ration card and your Aadhaar card for the e-KYC verification process.

I am not covered under PM-JAY. Am I eligible for AA-MMJAY?

You may be eligible. AA-MMJAY is specifically for permanent residents of Assam who are National Food Security Act (NFSA) beneficiaries with a valid ration card and are not covered under the central PM-JAY scheme.

Is there a separate health scheme for Assam government employees?

Yes, state government employees and pensioners in Assam are covered under a separate scheme called the Ayushman Asom – Mukhya Mantri Lok Sevak Arogya Yojana (AA-MMLSAY).

Related

• Government hospital OPD guides in Assam
• How to find an Ayushman Bharat (PM-JAY) hospital near you
• Ayushman Bharat PM-JAY eligibility check
• Government health schemes in India: a guide

Medical Disclaimer

The information provided in this article is for general informational and educational purposes only. It is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read in this article.