[Assam] Mukhyamantri Lok Sevak Arogya Yojana 2024 | Rs 5 Lakh Health Insurance Scheme for Government Employees

Mukhyamantri Lok Sevak Arogya Yojana 2024:  Mukhyamantri Lok Sevak Arogya Yojana is a health insurance scheme for state government employees of Assam. Under this scheme, the existing reimbursement scheme for state government employees will be replaced with this one. To take advantage of this scheme, the user must register at the district kiosk. Please note that this scheme is optional and is way better than the existing model of the same. In this article, we will talk about the  Mukhyamantri Lok Sevak Arogya Yojana 2024 in detail. I am certain that by the end of the article, you won’t have any doubts left regarding the scheme. 

Ayushman Asom – Mukhyamantri Lok Sevak Arogya Yojana commenced on October 2, in the first year, a 50 percent contribution will be given by the government to each of the class III and class IV employees. 

What is Mukhyamantri Lok Sevak Arogya Yojana ?

Mukhyamantri Lok Sevak Arogya Yojana is a health insurance scheme launched on July 19, 2023, by the state government for the state government employees of Assam. Under this scheme, the employees of the Assam Government will get reimbursement as per CGHS approved rate. It was launched by Assam’s Chief Minister, Shri Hemanta Biswa Sharma. This program is specifically designed for the well-being of state government employees, retired personnel, and their dependents. 

It offers medical coverage of up to 5 lakh rupees. It’s important to note that this initiative resembles the Ayushman Bharat Yojana, but it exclusively caters to state government workers.  The primary aim of this scheme is to provide financial health protection of 5 lakhs per family each year to the eligible participants. The Mukhyamantri Lok Seva Arogya Yojana streamlines the medical reimbursement process, making it simpler for government employees, pensioners, and their dependents to access its benefits.

Please Note: Individuals already benefiting from similar schemes won’t be able to apply for this one. 

Mukhyamantri Lok Sevak Arogya Yojana 2024 Key Highlights

Mukhyamantri Lok Sevak Arogya Yojana 2024 Key Highlights
Mukhyamantri Lok Sevak Arogya Yojana launch date	July 19, 2023
Mukhyamantri Lok Sevak Arogya Yojana official website	Click Here
Mukhyamantri Lok Sevak Arogya Yojana objective	To provide health insurance assistance to the Assam Government employees.
Mukhyamantri Lok Sevak Arogya Yojana insured amount	Rs 5 Lakh
Mukhyamantri Lok Sevak Arogya Yojana claim duration (maximum)	90 Days
Mukhyamantri Lok Sevak Arogya Yojana Web Portal Launch Date	October 02, 2023,
Mukhyamantri Lok Sevak Arogya Yojana Insurance claim duration	Within 15 Days of claim
Mukhyamantri Lok Sevak Arogya Yojana Helpline Number	1800-309-3945

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Mukhya Mantri Lok Sevak Arogya Yojana Features

Here’s the information regarding the new Mukhyamantri Lok Sevak Arogya Yojana features that was launched by the CM on October 02, 2023. 

1.  The existing reimbursement model for state government will be replaced by MMLSAY.
2. MMLSAY will have the following processing methods:
   1. Beneficiaries, including their dependents, can register themselves or visit district kiosks for registration.
   2. Kiosks will be available at either the Jt. Director of Health Services Office or Medical College.
3.  Medical treatment costs will be reimbursed based on the CGHS-approved rate.
4.  Beneficiaries can request advance payments online.
5.  Advance reimbursements will be directly sent to hospitals.
6.  A single IT platform will handle end-to-end claim processing.
7.  The process will be Aadhar-linked to prevent fraudulent claims.
8.  Reimbursements will be completed within a fixed timeframe of 90 days.

Hon’ CM Dr. @himantabiswa today commemorated the #SwachhataHiSeva2023 campaign at the grand #SwachhBharatDiwas celebrations held at the Srimanta Sankaradeva International Auditorium, in Panjabari, Guwahati today.

The highlights of the event included :

✅ DBT Transfer of ₹90… pic.twitter.com/mSmzeYVFd9

— Ashok Singhal (@TheAshokSinghal) October 2, 2023

Mukhya Mantri Lok Sevak Arogya Yojana Private Insurance vs MMLSAY Comparison 

Private Insurance VS MMLSAY
Private Insurance	MMLSAY
All pre-existing diseases are covered.	All pre existing diseases are covered.
Premium amount varies as per age slab.	The premium amount is fixed till the age of retirement.
The premium charged for old age persons is high.	Premium rate varies as per grade of employee, not as per age slab.
Reimbursement will be done as per the preapproved CGHS rate irrespective of claim amount.	Reimbursement will be done as per preapproved CGHS rate irrespective of claim amount.
Premium amount varies depending upon the size of the family.	Number of beneficiaries in a family not fixed. All the members covered under one scheme.
Reimbursement will be done as per the preapproved CGHS rate irrespective of claim amount.	Kiosks will be available to help the beneficiaries in the Jt.DHS Offices/Medical College Hospitals.
The premium amount to be paid once for the whole year.	The premium contribution will be deducted per month from the salary.
Only in empanelled hospital, patient can get the treatment, else they need to bear the costs	Beneficiary can avail treatment in any authorised hospitals across India & get reimbursement.
Sum insured can be changed based on the schemes chosen by the beneficiary.	Sum insured is unlimited at per CGHS approved rates.
Only in empanelled hospitals, patient can get the treatment, else they need to bear the costs	All eligible beneficiaries can avail the services immediately after enrolling in the scheme.
Cost of OPD medicines not covered	Cost of OPD medicines for post operative treatment covered

Mukhya Mantri Lok Sevak Arogya Yojana Eligibility Criteria 

The Mukhyamantri Lok Sevak Arogya Yojana Assam stands as an attractive opportunity for State Government employees in Assam. However, it’s important to highlight that meeting the eligibility requirements is crucial. To initiate the application process for the scheme, it’s recommended to review the eligibility criteria of the Mukhyamantri Lok Sevak Arogya Yojana beforehand. Below, you’ll find the comprehensive list of eligibility criteria for the Mukhyamantri Lok Sevak Arogya Yojana. 

•  Eligibility requires the applicant to be a permanent resident of Assam.
•  Both current and retired State Government employees can apply.
•  Scheme benefits extend to the applicant’s family members as well.
•  Ineligibility applies to citizens already availing benefits from other government schemes.

Mukhya Mantri Lok Sevak Arogya Yojana Documents Required 

Before applying for the Mukhyamantri Lok Sevak Arogya Yojana, it is essential to thoroughly review the necessary document prerequisites. Provided below is the compilation of documents needed for the Mukhyamantri Lok Sevak Arogya Yojana. Here are the important documents required for the Mukhya Mantri Lok Seva Arogya Yojana.

• Aadhaar Card: This official identification document is necessary to verify your identity and establish your eligibility for the scheme.
• Ration Card: The ration card serves as proof of your household’s economic status and helps in assessing your eligibility for the program.
• Domicile Certificate: This certificate demonstrates that you are a resident of the state of Assam, which is a requirement to participate in the scheme.
• Government Employee ID Card: If you are a current government employee, your ID card serves as evidence of your employment status for scheme eligibility.
• Bank Details: Providing your bank information is crucial for seamless reimbursement of medical expenses under the scheme.
• Income Certificate (PAN Card): This certificate, often associated with your PAN card, provides information about your income and financial standing.
• Passport Size Photo: A photograph is needed for identification purposes and for processing your application.
• Mobile Number: A valid mobile number is essential for communication and updates regarding the scheme.

These documents collectively help verify your eligibility and ensure a smooth process when applying for and availing benefits under the Mukhya Mantri Lok Seva Arogya Yojana.

Mukhya Mantri Lok Sevak Arogya Yojana Comparison of Existing Modal and MMLSAY

Comparison of Existing Modal and MMLSAY
Specifications	Existing Modal	MMLSAY
Online submission of claim	No	Yes
Kiosk to help the beneficiaries in the online processes	No	Yes
Approval from the referral medical board for getting the treatment in referral/non-referral hospitals	No	Yes
Submission of Advance Payment requests available during the Treatment	Yes	Yes
Treatment in any hospital across India	No	Yes
SMS update of the claim process	No	Yes
Approval from the referral medical board for getting the treatment in referral/non referral hospitals	Yes	No
Aadharlinked process to avoid fraud	No	Yes
Reimbursement of cost of OPD medicines for Post Operative treatments	No	Yes

Mukhya Mantri Lok Sevak Arogya Yojana Apply Online 

For those interested in applying for the scheme online mode, need to visit the official website of Mukhyamantri Lok Sevak Arogya Yojana which has been launched recently i.e. October 02, 2023.

1. Visit the Mukhyamantri Lok Seva Arogya Yojana Official Website through the link given.
2. After that, Select the Employee type, it will be either Employee or Pensioner Option.
3. You have to then enter your PAN CARD Number or PPAN Number or GPF Number to Validate your account.
4. You also need to enter your mobile number.
5. Click on the “Proceed” option to apply for the scheme.

This is how you can apply for the scheme.

Mukhya Mantri Lok Sevak Arogya Yojana Login

For MMLSY officials, to login to the Mukhya Mantri Lok Sevak Arogya Yojana online Portal, you need to follow certain guidelines.

Visi the official website of Mukhya Mantri Lok Sevak Arogya Yojana.

In the right corner, you will see a login box where you have to enter your credentials.

Login through the LOGIN ID and PASSWORD and then click on “log in” button.

How to Obtain an MMLSA Card Online

Once the official website is up and running, beneficiaries should click on the “MMLSA Card Download” button. This action will take you to the next page, where you will need to provide the requested information. After filling in the details, click the “Submit” button to download your MMLSA Card.

Mukhyamantri Lok Seva Arogya Yojana Hospital List

Following the website launch, citizens will find the option to access the new Mukhyamantri Lok Seva Arogya Yojana Hospital List. You have to click on that option to proceed. The subsequent page will prompt you to input the necessary information. After entering the details, click the “Search” button. This action will display relevant information on your computer screen.

Download the Current List of Mukhyamantri Lok Seva Arogya Yojana Hospital List

Mukhyamantri Lok Seva Arogya Yojana FAQs

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