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Atal Amrit Abhiyan Health Insurance Scheme: Benefits, Eligibility & Covered Diseases

TeamAckoMar 13, 2024

For many Indians, healthcare expenditure is one of the major issues of life. People may also fall into poverty because of healthcare expenses. An illness can thus rob you of not only your health but your wealth as well.

Atal Amrit Abhiyan

The Assam government has launched an initiative to cover health costs for its most vulnerable residents. It is called Atal Amrit Abhiyan, and it serves low-income households. The government wants to make the scheme self-sustainable with an increase in enrollment. Here’s all you need to know about it.

Contents

What is Atal Amrit Abhiyan?
Diseases Covered by Atal Amrit Abhiyan Card
- Eligibility Criteria for Atal Amrit Abhiyan
Documents Required For Atal Amrit Abhiyan
Fees for Atal Amrit Abhiyan Card
Registering for Atal Amrit Abhiyan
Wrapping up!
Frequently Asked Questions (FAQs)

What is Atal Amrit Abhiyan?

Atal Amrit Abhiyan, a health insurance scheme, provides health insurance coverage of up to Rs. 2 lakh per family member per year. It was launched in 2016, and it is aimed at Below Poverty Line (BPL) and Above Poverty Line (APL) families with annual family income of up to Rs. 5 lakh. If a child is under 18, then the head of the family can register on the child’s behalf.

The treatment under the scheme is cashless. The patient simply needs to use a laminated ID card when seeking treatment.

The Atal Amrit Abhiyan aims to cover people in all districts of Assam. Under this scheme, both public and private healthcare members can get insurance. Beneficiaries can get treatment at empanelled hospitals both in Assam as well as in Kolkata, Bengaluru, Chennai, New Delhi, and Mumbai. If the treatment takes place outside of Assam, a daily allowance of Rs. 1000 will be provided up to a maximum limit of Rs. 10,000.

The Atal Amrit Abhiyan also provides a transport allowance of up to Rs. 3000 per year. It translates to Rs. 300 per visit.

The Atal Amrit Abhiyan Society is responsible for implementing this scheme. It has selected an Implementing Support Agency (ISA) called Medi Assist Insurance TPA Pvt. Ltd for processing insurance claims and providing IT support.

Diseases Covered by Atal Amrit Abhiyan Card

Atal Amrit Abhiyan scheme covers 438 treatments, surgeries, and medical procedures along with follow-up treatment for the following six types of diseases and problems.

Cancer
Heart disease
Kidney disease
Neurological disorder
Neonatal diseases
Burns

The Atal Amrit Abhiyan also covers pre-existing diseases. It means if a patient had any disease before they enrolled for the scheme, then treatment for that too can be covered under this scheme.

Eligibility Criteria for Atal Amrit Abhiyan

The Assam government has laid down certain eligibility criteria for the Atal Amrit Abhiyan. You can find them below.

The annual income of the family must be below Rs. 5 lakh.
Employees of Central and State governments cannot enrol under this scheme.
Family must have proper documentation to prove that they fall under BPL or APL categories.
Individual must be a resident of Assam.

Documents Required For Atal Amrit Abhiyan

As per the official website, following documents are necessary to enrol for Atal Amrit Abhiyan.

Voter ID card
EPIC card
Birth certificate for applicants below the age of 18
Income Certificate
Other valid documents
Ration card issued by Assam government under National Food Security Act.
A doctor has to attest to a photograph of the patient.

Fees for Atal Amrit Abhiyan Card

As the scheme applies to BPL and APL families, fees for both have been divided accordingly.

BPL families with an annual income of less than Rs 1.2 lakh will have to pay no fee for this scheme.
APL families with an annual income between Rs. 1.2 lakh and 5 lakh will have to pay Rs. 100 per year per family member. The fees will be deposited with Atal Amrit Abhiyan Society.

Registering for Atal Amrit Abhiyan

You can register for the Atal Amrit Abhiyan scheme by visiting an Atal Amrit Abhiyan Card enrollment center. Here are the steps.

Go to your nearest Atal Amrit Abhiyan card enrollment centre.
Submit the filled-up application form and all your documents for verification.
Submit your biometrics.
Members of APL families are required to submit Rs. 100 per head.

After the Atal Amrit Abhiyan card verification process is complete, your card will be issued.

Wrapping up!

In this article, we have covered all important information about Atal Amrit Abhiyan. The Assam government has launched it to ease the burden of healthcare expenses for the most vulnerable sections of society. With it, each family member can be insured up to Rs. 2 lakh.

As a friendly advice, we would request you to explore options for insurance coverage. Buying insurance is one way to protect a family against rising healthcare expenses. You can also get coverage tailored as per your needs.

Frequently Asked Questions (FAQs)

Here are some questions people commonly ask about Atal Amrit Abhiyan Health Insurance Scheme

1. What is Atal Amrit Abhiyan?

Assam government has launched a health insurance scheme called Atal Amrit Abhiyan to cover treatment costs for BPL and APL families up to Rs. 2 lakh per year per member.

2. What are the fees for the Atal Amrit Abhiyan?

The Atal Amrit Abhiyan is free for BPL families. APL families will have to pay Rs. 100 per member every year to renew it.

2. Can I avail treatment in a private hospital under the Atal Amrit Abhiyan?

Yes, if a private hospital is empanelled under the scheme, you can avail treatment at the concerned hospital under the scheme.

4. What are the documents required to enrol for the Atal Amrit Abhiyan?

The official website lists the following documents for enrolling in the scheme.

Voter ID card
EPIC card
Birth certificate for applicants below the age of 18
Income Certificate
Other valid documents
Ration card issued by the Assam government under the National Food Security Act.
A doctor has to attest to the photograph of the patient.

5. What is the income ceiling under the Atal Amrit Abhiyan?

A family must have a maximum annual income of Rs. 5 lakh to be eligible for the Atal Amrit Abhiyan scheme.

6. Can a government employee enrol for Atal Amrit Abhiyan?

No, government employees are not eligible for the Atal Amrit Abhiyan.

7. Which diseases are covered by the Atal Amrit Abhiyan?

The following diseases are covered by the Atal Amrit Abhiyan.

Cancer
Heart disease
Kidney disease
Neurological disorder
Neonatal diseases
Burns

8. If I had a disease before the scheme started, can I avail treatment under the scheme?

Yes, pre-existing conditions are covered by the Atal Amrit Abhiyan. If the disease is covered by the scheme, then you are eligible for treatment under the scheme.