Atal Amrit health insurance scheme by government of Assam

Atal Amrit Yojana provides financial assistance for the treatment of critical diseases. Understand the scheme's benefits, who is eligible, and how to enroll.
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12-Aug-2024
The Assam government introduced the Atal Amrit Abhiyan to provide critical care coverage for Below Poverty Line (BPL) and Above Poverty Line (APL) families, making healthcare more accessible and affordable. Through this scheme, BPL and APL families are entitled to cashless medical treatment. The Atal Amrit Yojana is being implemented by Medi Assist Insurance TPA Private Limited.

Under the scheme, Medi Assist Insurance TPA Private Limited issues the Atal Amrit Abhiyan Card to eligible adult members of BPL and APL families. Once issued, the card allows the holder to receive medical treatment at recognised hospitals participating in the scheme. It is schemes like this that focus on the need for health insurance for every individual, irrespective of their financial background.

Atal Amrit Yojana: An overview

Given below is a brief overview of the scheme:

Scheme nameAtal Amrit Yojana
Launch dateDecember 24, 2016
ObjectiveAims to provide cashless treatment and coverage of critical care for the BPL and low-income households in Assam.
Membership feeBPL families – NILAPL families – Rs. 100
CoverageUp to Rs. 2 lakh


Explore: List of government health insurance schemes in India

What is the Atal Amrit Yojana?

Many households are driven into poverty due to high healthcare expenses. Illnesses, whether chronic, long-term, or sudden, can lead to catastrophic costs with severe consequences. Even lower-middle and middle-class families often struggle to access quality treatment when faced with critical illnesses due to the high costs.

To address this vulnerability among the BPL and low-income households in the state, the Government of Assam launched the Atal Amrit Abhiyan health assurance scheme. This initiative provides cashless treatment and critical care coverage, aiming to make healthcare more affordable and mitigate the financial burden of out-of-pocket expenses.

Features of Atal Amrit Yojana (AAY)

Discussed below are the key features of AAY – Atal Amrit Yojana:

  • The Scheme is being implemented by Medi Assist Insurance TPA Pvt. Ltd., the selected Implementation Support Agency (ISA).
  • The Scheme is open to all BPL families and APL families in the state with an annual family income of up to Rs. 5 lakh. Government employee families are not eligible.
  • Each eligible family's adult members will be enrolled through the ISA and receive a laminated ID card with a unique identification number, allowing cashless treatment at empaneled hospitals. Children under 18 will be enrolled with the head of the family.
  • The Scheme is free for BPL families, while APL families will pay a nominal annual enrollment fee of Rs. 100 per member.
  • The Scheme provides inpatient treatment at empaneled hospitals (both private and public) up to a maximum of Rs. 2 lakh per individual member per year, covering 438 procedures within and outside Assam.
Also, read: What is PMJAY?

Benefits of Atal Amrit Yojana

Given below are the benefits of Atal Amrit Yojana:

  • Up to Rs. 2 lakh per year will be reimbursed for approved procedures and services within disease/treatment packages, on a completely cashless basis. The enrolled beneficiary can visit an empaneled hospital with the bar-coded laminated card and receive treatment without making any payment, up to the Rs. 2 lakh cap.
  • Reimbursement is limited to an approved list of procedures across six specialties. This list of 436 procedures was finalised by a Committee chaired by the Director of Medical Education, Assam. These six specialities include:
  • Cardiovascular diseases
  • Renal (kidney) diseases
  • Cancer
  • Neurological conditions
  • Neonatal diseases
  • Burns
  • There is no exclusion of pre-existing diseases. All illnesses will be covered from day one.
Also, read: Health insurance plans for low income individuals

Enrolment fees for Atal Amrit Yojana

Enrolment for the first year is free for everyone under the Atal Amrit Yojana. However, second year onwards, the following fee shall be applicable:

CategoryFees
BPL familiesNIL
Annual family income between Rs. 1.2 lakh and Rs. 5 lakhRs. 100


Application process for Atal Amrit Yojana

Applicants can follow the steps given below to complete the application process for Atal Amrit Yojana:

Step 1: Visit the official website (nhm.assam.gov.in/).

Step 2: Scroll down and click on the 'Atal Amrit Abhiyan Application Format' to download the application form.

Step 3: Print the form and fill in the required details.

Step 4: Submit the completed application form along with the necessary documents to the Office of the Joint Director of Health Services in your district.

Alternatively, you can obtain and submit the form at the district enrollment center.

Also, check: Benefits of Ayushman Bharat Yojana

In conclusion, the Atal Amrit Abhiyan is a transformative health insurance scheme that offers critical financial protection to BPL and low-income families in Assam. By providing cashless treatment for serious illnesses, this initiative reduces the financial strain of medical expenses, ensuring accessible and affordable healthcare for the state's most vulnerable populations.

Frequently asked questions

What is the coverage limit under Atal Amrit Yojana?
The Atal Amrit Yojana provides a coverage limit of up to Rs. 2 lakh per individual per year. This limit applies to a wide range of approved medical procedures and treatments, ensuring significant financial support for critical healthcare needs.

Who can apply for Atal Amrit Yojana?
BPL and low-income APL families in Assam with an annual income of up to Rs. 5 lakh are eligible to apply for the Atal Amrit Yojana. However, government employees and their families are not eligible under this scheme.

How to check if my treatment is covered by Atal Amrit Yojana?
To check if your treatment is covered under Atal Amrit Yojana, refer to the list of 436 approved procedures available on the official website or consult the empaneled hospitals. The list covers specific treatments across six medical specialties.

What documents are needed to apply for Atal Amrit Yojana?
To apply for the Atal Amrit Yojana, you'll need documents like proof of identity, proof of residence, income certificate, BPL certificate (if applicable), and passport-sized photographs. These documents are required when submitting the application form to the district's health services office.

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