PMJAY-MAA YOJANA G-CARD GUJARAT KARMYOGI SWASTHYA SURAKSHA YOJANA 2025

PMJAY-MAA YOJANA G-CARD GUJARAT KARMYOGI SWASTHYA SURAKSHA YOJANA 2025

Gujarat Karmayogi Swasthya Suraksha Yojana 2025 The PMJAY‑MA aligned “G‑card” healthcare scheme for state government employees and pensioners in Gujarat:

 🏥 Gujarat Karmayogi Swasthya Suraksha Yojana – Key Highlights

1. Objective & Scope

Aimed at state government officers, employees, All India Services (AIS) officers, pensioners, and their eligible dependants.

Covers \~6.4 lakh individuals: approximately 4.2 lakh employees and 2.2 lakh pensioners([Gujarat Samachar][1]).

2. Coverage & Benefits

Provides cashless medical treatment up to ₹10 lakh per family per year under PMJAY‑MA framework through a special “G‑category AB‑PMJAY‑MA card.

Covers 2,471 specified procedures across 2,658 empanelled hospitals: 904 private & 1,754 government hospitals([DeshGujarat][2]).

OPD (outpatient) treatment is excluded, but the existing monthly medical allowance of ₹1,000 per employee continues([The secretariat][3]).

For procedures beyond ₹10 lakh or not covered under PMJAY, reimbursement will be provided as per Gujarat State Services (Medical Treatment) Rules, 2015([Gujarat Samachar][1]).

3. Eligibility

Eligible beneficiaries: State government officers and employees, pensioners, AIS officers, and their defined dependants.

Not eligible: Fixed‑pay employees (who already receive benefits via a different Karmayogi Card) and pensioners aged 70+ (who are covered under Vayvandana scheme)([pmgovtschemehub.com][4], [Gujarat Samachar][1]).

4. Card Issuance & Process

PMJAY “G” category card is mandatory to access the benefits.

Cards are issued by the State Health Agency (SHA), the nodal agency for PMJAY in Gujarat.

 Aadhaar‑linked e‑KYC is required for each family member for verification([DeshGujarat][5], [AMK RESOURCE WORLD][6]).

Dependants must be certified in a prescribed format by the head of the office, as per Gujarat Service rules or AIS Attendance Rules 1954 (for AIS officers)([DeshGujarat][5]).

5. Cost to Government

Annual premium: ₹3,708 per family, fully borne by the state government.

Total annual premium burden: \~₹303 crore([Today Informer][7], [The Indian Express][8]).

✅ Summary Table

| Feature                               | Details                                              |

| Beneficiaries                      | \~6.4 lakh: 4.2 L employees, 2.2 L pensioners        |

| Coverage per family/year  | Cashless inpatient cover up to ₹10 lakh                  |

| Hospitals empanelled        | 2,658 (govt & private) across Gujarat                      |

| OPD Coverage                  | **Not included**; ₹1,000 monthly allowance continues |

| Exclusions                         | Fixed‑pay employees, pensioners aged 70+             |

| Required Card                   | AB‑PMJAY‑MA “G‑category” health card                 |

| E‑KYC Requirement         | Aadhaar‑based for all family members                 |

| Annual premium per family | ₹3,708 (paid by state)                               |

| Total premium liability   | ₹ \~303 crore annually                               |

 ℹ️ PMJAY‑MA (Arogya Mithra) & “G‑Card” Context

PMJAY‑MA (also known as Ayushman Bharat PMJAY MA) provides support to government employees under a central‑state cost‑sharing framework.

In Gujarat, the “G” category card is designated to government staff eligible under the Karmayogi scheme and enables unified access to cashless hospitalization under PMJAY‑MA([The Times of India][9], [Today Informer][7], [AMK RESOURCE WORLD][6]).

📄 How to Apply or Access Benefits

1. Confirm you’re eligible (employee/pensioner/AIS officer with dependents).

2. Ensure your dependence certificate is issued by your office head.

3. Undergo Aadhaar-based e‑KYC for yourself and dependants.

4. Approach the State Health Agency (SHA) for issuance of the "G‑category PMJAY‑MA card".

5. Use the card for **cashless hospitalization at empanelled hospitals**.

6. For treatments beyond ₹10 L or non‑empanelled hospitals, file for **reimbursement under the 2015 state medical rules**.

❓ Additional Clarifications

You also mentioned **PMJAY‑MA, “M‑A A Y O J A N A”,** **G‑Card**, and **Karmyogi**—all refer to this Gujarat state-specific implementation of PMJAY‑MA targeting government employees and pensioners. The **“G‑card"** is simply the specially issued **AB‑PMJAY‑MA card** under the “Gujarat Karmayogi Swasthya Suraksha Yojana” framework.

 📌 Closing Note

This healthcare scheme was approved in mid‑**May 2025** by the Gujarat Cabinet and officially rolled out by late May 2025⏤it’s current and active for fiscal 2025‑26([DeshGujarat][5]). If you'd like details on how it integrates with **PMJAY for wider public beneficiaries**, or application links and helplines, I’d be happy to assist further!

[1]: https://english.gujaratsamachar.com/news/gujarat/gujarat-govt-employees-pensioners-to-benefit-from-karmayogi-swastha-suraksha-yojana?utm_source=chatgpt.com "Gujarat govt employees, pensioners to benefit from Karmayogi ..."

[2]: https://deshgujarat.com/2025/05/14/gujarat-govt-launches-cashless-health-scheme-karmayogi-swastha-suraksha-yojana-for-state-employees-and-pensioners/?utm_source=chatgpt.com "Gujarat Govt Launches Cashless Health Scheme Karmayogi ..."

[3]: https://thesecretariat.in/article/karmayogi-swastha-suraksha-yojana-announced-rs-10-lakh-health-cover-for-state-staff?utm_source=chatgpt.com "Karmayogi Swastha Suraksha Yojana Announced: Rs 10 Lakh ..."

[4]: https://pmgovtschemehub.com/gujarat-karmayogi-swasthya-suraksha-yojana/?utm_source=chatgpt.com "Gujarat Karmayogi Swasthya Suraksha Yojana 2025: Apply Online ..."

[5]: https://deshgujarat.com/2025/05/29/gujarat-govt-releases-guidelines-for-employees-and-pensioners-to-claim-pmjay-benefits/?utm_source=chatgpt.com "Gujarat Govt Releases Guidelines for Employees and Pensioners to ..."

[6]: https://amkresourceinfo.com/gujarat-karmayogi-swasthya-suraksha-yojana-2025-launched-complete-details-here/?utm_source=chatgpt.com "Gujarat Karmayogi Swasthya Suraksha Yojana 2025 launched"

[7]: https://todayinformer.com/gujarat-karmyogi-swasthya-suraksha-yojana/?utm_source=chatgpt.com "ગુજરાત કર્મયોગી માટે સુપરહેલ્થ યોજના – Gujarat Karmyogi Swasthya ..."

[8]: https://indianexpress.com/article/cities/ahmedabad/state-govt-employees-pensioners-to-get-benefits-of-ab-pmjay-10006180/?utm_source=chatgpt.com "State govt employees, pensioners to get benefits of AB-PMJAY"

[9]: https://timesofindia.indiatimes.com/city/ahmedabad/gujarat-government-approves-health-security-scheme-for-employees-pensioners/articleshow/121170550.cms?utm_source=chatgpt.com "Gujarat government approves health security scheme for employees, pensioners"

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