Healthcare costs can pose a significant financial strain for families dealing with chronic or life-threatening illnesses. To address this, the Assam government introduced the Atal Amrit Abhiyan health insurance scheme on December 25, 2016. The scheme is aimed at helping below-poverty-line (BPL) and above-poverty-line (APL) families through cashless treatment at government and empanelled private hospitals.
What is Atal Amrit Abhiyan?
The Atal Amrit Abhiyan is a state-funded health insurance scheme initiated by the Assam government to provide financial assistance for critical illnesses, ensuring that families from economically weaker sections, receive necessary healthcare. Beneficiaries can Atal Amrit Abhiyan card check online and avail themselves of cashless treatment at government and empanelled hospitals across the state and beyond.
What diseases are covered by Atal Amrit Abhiyan card?
This Atal Amrit Abhiyan card scheme covers 437 diseases, classified into six major categories:
- Cardiovascular diseases: Covers heart-related ailments, including surgeries and treatment.
- Cancer: Includes chemotherapy, radiotherapy and surgical interventions.
- Kidney diseases: Covers dialysis, transplants and other renal treatments.
- Neonatal diseases: Provides treatment for congenital and birth-related disorders.
- Neurological conditions: Covers brain disorders, strokes and neurodegenerative diseases.
- Burns: Includes hospitalisation and reconstructive surgeries for burn victims.
Eligibility criteria for Atal Amrit Abhiyan
To qualify for the Atal Amrit Abhiyan scheme, applicants must meet the following criteria:
- BPL families with an annual income of up to Rs 1.2 lakh receive free coverage.
- APL families with an income between Rs 1.2 lakh and Rs 5 lakh must pay a nominal premium of Rs 100 per member annually.
- Employees of central and state government services (both active and retired) are not eligible.
- Proof of income is required for classification under BPL or APL categories.
Documents required for Atal Amrit Abhiyan
To register under this scheme and get Atal Amrit card benefits, applicants need to submit:
- Voter ID Card: For identity verification.
- EPIC Card or Birth Certificate: Required for minors.
- Income Certificate: Proof of financial status.
- NFSA Card: If available, it can be used for verification.
- Photograph: A recent passport-size photo attested by a doctor.
Fees for Atal Amrit Abhiyan Card
The scheme is free for Atal Amrit Abhiyan society BPL families. APL families need to pay Rs 100 per year per member to avail of coverage. Moreover, there are no additional charges for treatment once enroled.
How to register for Atal Amrit Abhiyan?
For Atal Amrit Abhiyan online apply follow these steps:
- Visit an enrolment centre: Registration is available at government-designated centres for the Atal Amrit card.
- Submit documents: Provide ID proof, income certificate, and a photograph.
- Verification process: Officials will verify Atal Amrit card eligibility based on income and residency.
- Receive Atal Amrit Abhiyan Card: Once approved, a unique health card will be issued.
Importance of health insurance
Health insurance is important for financial security and access to medical care. It helps people and their families manage healthcare costs and ensures timely treatment. Unexpected medical emergencies can put a heavy financial burden on individuals and families. A solid policy, especially health insurance for family, ensures wider coverage and better financial security that helps pay for hospital stays, doctor visits, surgeries and medicines.
FAQs
- Can beneficiaries avail treatment outside Assam?
Yes, treatment is available at empanelled hospitals outside the state.
- Is the scheme applicable for private hospitals?
Yes, but only at CGHS-approved and government-aided private hospitals.
- What happens if the insurance amount exceeds ₹2 lakh?
Any additional expenses beyond the coverage limit must be borne by the patient.
- Is the premium refundable if no treatment is availed?
No, the ₹100 premium for APL families is non-refundable.
- Can new diseases be added to the coverage?
Yes, the state government may expand the list based on medical requirements.
Conclusion
The Atal Amrit Abhiyan is a crucial health insurance initiative that supports families in need of medical assistance. By offering cashless treatment and covering critical illnesses, the scheme reduces the financial burden of healthcare. If you are eligible, registering for this scheme is a wise decision to secure quality treatment for your family. In addition to the Atal Amrit Abhiyan, opting for comprehensive health insurance is a smart move towards broader coverage for unforeseen medical expenses, offering protection against a wide range of health conditions and ensuring financial stability for you and your family in the face of emergencies.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.