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| Ayushman Asom-Mukhya Mantri Jan Arogya Yojana (AA-MMJAY) is Assam’s state health assurance scheme, launched on 10 May 2023. It covers National Food Security Act (NFSA) families who were left out of the central Ayushman Bharat PM-JAY list, about 26 lakh families, with plans to grow to 32 lakh in phases. The scheme gives cashless treatment of up to ₹5 lakh per family per year on a family floater basis. It covers 1,949 procedures across 27 specialities. As per the official Atal Amrit Abhiyan portal, 323 hospitals in Assam are empanelled, and the card also works at Ayushman Bharat empanelled hospitals across India. Enrolment is through Aadhaar-based e-KYC, done house to house and at camps by frontline workers such as ASHAs. Together with PM-JAY, it aims to cover every economically vulnerable family in Assam. |
Ayushman Asom Explained: Assam’s ₹5 Lakh Health Card That Works Beyond the Brahmaputra
The families the national list missed
When Ayushman Bharat arrived, around 30 lakh families in Assam were on its list. That was a big step. But many families on the state’s food security rolls, people who clearly needed the cover, weren’t on that national list.
Assam’s answer, launched on 10 May 2023, was Ayushman Asom-Mukhya Mantri Jan Arogya Yojana. It gives those left-out families the same ₹5 lakh, and the same national hospital network.
That second part matters more than people think. A tea garden family in Dibrugarh can use the card in Guwahati. A student’s family in Silchar can use it if their child falls ill in Bengaluru.
Here’s what the scheme covers, how to get the card, and how to plan around it.
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What Ayushman Asom covers
AA-MMJAY is a family floater health assurance scheme run through the state’s Atal Amrit Abhiyan Society. It mirrors Ayushman Bharat’s design, so the two work side by side.
What you get:
- Up to ₹5 lakh per family per year, shared by the whole family.
- 1,949 procedures across 27 specialities, from surgeries to long-term care like dialysis and cancer treatment.
- 323 empanelled hospitals in Assam, as per the official portal.
- Cover beyond Assam at Ayushman Bharat empanelled hospitals across the country.
- No premium and no enrolment fee for eligible families.
If you remember Atal Amrit Abhiyan, the older state scheme, many of its families have moved to AA-MMJAY or Ayushman Bharat. Check your status if you held an old card.
| Got a private plan as well? Know Your Policy breaks it down into benefits, limits, waiting periods and exclusions in simple language, so you can see exactly what it adds on top of Ayushman Asom. |
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Getting your Ayushman Asom card
- Check your ration card. If your family is listed under NFSA and isn’t already on the PM-JAY list, you’re likely eligible.
- Watch for the e-KYC drive. ASHA workers, MPWs, Bima Sakhis and Digipay Sakhis carry out e-KYC house to house and at camps across districts.
- Or go to a centre. You can also visit a Common Service Centre, an enrolment camp or a government hospital.
- Carry the basics. Aadhaar card, NFSA ration card and an active mobile number for OTP.
- Complete e-KYC. Your Aadhaar-based verification generates the card.
- Use it at any empanelled hospital, in Assam or at Ayushman Bharat hospitals elsewhere in India.
Need help? Call 104 (state health helpline) or 14555 (national helpline).
| Ready to check or enrol? The official Atal Amrit Abhiyan portal has scheme details, the hospital list and updates. Bookmark it before the next “is this real?” forward reaches your family group. |
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| Family across Assam, Meghalaya and Arunachal? The CoverSure State Health Scheme Calculator puts every Northeast scheme side by side. One screen, seven sisters, zero confusion. |
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Good to know before you need it
It’s for families outside PM-JAY. If your family is already on the Ayushman Bharat list, you’re covered there. AA-MMJAY fills the gap for NFSA families who aren’t.
No e-KYC, no card. The card is generated after Aadhaar-based verification. If the frontline worker’s visit passed you by, go to a CSC or camp.
Admissions, not routine visits. OPD consultations and regular check-ups generally sit outside the scheme.
Packages decide coverage. Only listed procedures are paid. Confirm your package with the hospital before planned treatment.
Government employees have a different scheme. Assam launched a separate scheme for its employees, so AA-MMJAY isn’t their route.
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Ayushman Asom vs a private health plan
AA-MMJAY gives vulnerable families real access to quality care, including outside Assam. A private plan gives anyone choice, at a cost.
What Ayushman Asom does well
- ₹5 lakh per family per year, free for eligible families.
- 1,949 procedures, a wide clinical list.
- National reach through Ayushman Bharat hospitals.
- Doorstep enrolment through frontline workers.
Where a private plan usually goes further
- No NFSA requirement. Eligibility depends on age and health, not a ration list.
- Actual bills paid, subject to policy terms, rather than fixed packages.
- Room choice and comfort features, depending on the plan.
- Restoration, cumulative bonus and add-ons that can stretch your cover.
- Fixed contract terms, while scheme rules can be revised by government decisions.
For eligible families, AA-MMJAY is a strong foundation. A private plan or super top-up can sit on top for flexibility.
When ₹5 lakh has to go a long way
For families in Assam, the nearest big specialist hospital can be hours away. Distance and timing add pressure that a bill doesn’t show.
Meet the Boras (a hypothetical family; numbers are illustrative). They live near Nagaon. Six people share one card.
| Event in the year (hypothetical) | Used from the ₹5 lakh |
|---|---|
| Grandmother’s dialysis-related admissions | ₹1.6 lakh |
| Father’s cancer surgery in Guwahati | ₹2.5 lakh |
| Daughter’s appendix surgery | ₹60,000 |
| Left for the rest of the year | ₹30,000 |
And a few costs sit outside the scheme altogether:
- Travel and stay near a far-off hospital.
- OPD visits and regular medicines between admissions.
- Family members who aren’t on the NFSA card, such as a married son with his own household.
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Who is eligible for Ayushman Asom?
You’re likely eligible if:
- You’re a permanent resident of Assam, and
- Your family is listed under the National Food Security Act (NFSA), and
- Your family is not already covered under Ayushman Bharat PM-JAY.
The scheme started with about 26 lakh families and is meant to expand to around 32 lakh in phases.
Documents: Aadhaar card, NFSA ration card and an active mobile number.
Ayushman Asom at a glance
| Detail | Ayushman Asom-Mukhya Mantri Jan Arogya Yojana (Assam) |
|---|---|
| Launched | 10 May 2023 |
| Run by | Atal Amrit Abhiyan Society, Government of Assam |
| Cover | Up to ₹5 lakh per family per year, family floater |
| Treatments | 1,949 procedures across 27 specialities |
| Who qualifies | NFSA families in Assam not covered under PM-JAY |
| Reach | About 26 lakh families initially, rising to around 32 lakh |
| Hospitals | 323 empanelled in Assam, plus Ayushman Bharat hospitals across India |
| Enrolment | Aadhaar e-KYC, house to house, at camps or at CSCs |
| Premium | None |
| Main limitations | NFSA-linked eligibility, package-based payment, mainly hospital admissions |
| Helplines | 104 / 14555 |
| Official website | atalamritabhiyan.assam.gov.in |
| Prefer slides to scrolling? We see you. Ayushman Asom in a quick LinkedIn carousel: who’s in, what’s covered, how to get the card. Swipe through it on CoverSure’s LinkedIn and share it with the family member who’s been “meaning to do the e-KYC”. |
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Quick answers (FAQs)
- What is Ayushman Asom? Assam’s health scheme for NFSA families left out of Ayushman Bharat, offering up to ₹5 lakh cashless cover per family per year.
- Who is eligible for AA-MMJAY? Permanent residents of Assam whose families are listed under NFSA but not covered by PM-JAY.
- How many procedures are covered? 1,949 procedures across 27 specialities.
- Can I use the Assam health card outside Assam? Yes, at Ayushman Bharat empanelled hospitals across India.
- How do I get the card? Through Aadhaar-based e-KYC by frontline workers, at camps or at a CSC.
- What happened to Atal Amrit Abhiyan? Many of its families moved to AA-MMJAY or Ayushman Bharat. Check your status on the official portal.
- Is there a fee? No premium or enrolment fee for eligible families.
- “Hey Google, what’s the Ayushman helpline number?” Call 14555, or 104 for Assam’s health helpline.
| Ayushman Asom handles the hospital. CoverSure handles everything around it. Download the CoverSure app to keep every policy in one place, get renewal reminders, and set up SOS for one-tap emergency alerts. |
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