Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY) 2024: Assam’s New Health Insurance Scheme for Government Employees
The Assam government continues to prioritize the welfare of its residents by introducing impactful initiatives. Among the latest is the Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY), a health insurance program designed for state government employees and pensioners. This scheme replaces the existing medical insurance and aims to provide comprehensive health coverage to employees, retirees, and their families.
In this article, discover everything about MMLSAY, including its objectives, features, eligibility criteria, premium structure, and registration process.
What is MMLSAY?
The Mukhya Mantri Lok Sevak Arogya Yojana is a medical reimbursement scheme launched by Assam’s Chief Minister, Shri Himanta Biswa Sharma, in 2024. It provides financial health coverage of up to ₹5 lakh per year for government employees, pensioners, and their dependents.
Employees can also register their family members under the scheme, ensuring comprehensive health benefits for everyone in their household.
Objectives of MMLSAY
The scheme has been launched with the following goals:
- Financial Protection: Provide up to ₹5 lakh in health coverage for state employees, pensioners, and their families.
- Universal Access: Ensure every eligible individual is covered under a single, uniform health insurance scheme.
- Ease of Reimbursement: Streamline medical reimbursements for beneficiaries.
- Family Inclusion: Allow employees and pensioners to include their dependents under the scheme.
- Inspired by Ayushman Bharat: MMLSAY mirrors some features of Ayushman Bharat to extend quality healthcare access.
Key Features of MMLSAY
- Automatic Membership: All state government employees are automatically included, with monthly premiums deducted based on their grade.
- Pensioner Inclusion: Pensioners are added through databases like Pension Seva Kendras and Kritagyata.
- Flexibility: Employees can opt out of the scheme at any time by submitting a formal application.
- Enhanced CGHS Packages: The scheme integrates Central Government Health Scheme (CGHS) package rates and adds extra benefits.
- Statewide Eligibility: All employees and pensioners receiving salaries or pensions from the state exchequer are eligible.
Key Highlights at a Glance
| Scheme Name | Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY) |
|---|---|
| State | Assam |
| Launched By | Himanta Biswa Sharma |
| Category | Health Schemes |
| Beneficiaries | Employees, Pensioners & Dependents |
| Coverage Amount | ₹5 Lakh |
| Registration Mode | Online |
| Official Website | mmlsay.assam.gov.in |
Premium Details for MMLSAY
The subscription amount is deducted monthly, based on the employee’s grade. Here’s the breakdown:
| Grade | Monthly Premium |
|---|---|
| IV | ₹125 |
| III | ₹225 |
| II | ₹325 |
| I | ₹500 |
Employees who wish to opt out must submit a formal application to the Deputy Registrar of the Finance Department by January 30, 2024. Failure to do so will result in automatic premium deductions.
Eligibility for MMLSAY
To enroll in the scheme, applicants must meet these criteria:
- Be a state government employee or pensioner in Assam.
- Dependents of employees and pensioners are also eligible.
- Applicants already benefiting from other health schemes are not eligible.
Documents Required for Registration
Applicants need to provide the following:
- Aadhaar Card
- Passport-sized photo
- Domicile Certificate
- Employment ID
- Ration Card
- Bank account details
- Mobile number
- PAN Card
- Income certificate
- Retirement proof (for pensioners)
How to Register for MMLSAY
Online Registration Process
- Visit the official website: mmlsay.assam.gov.in.
- Click on “Beneficiary Registration/Login” on the homepage.
- Fill in the application form with details like name, PAN card, or PPO number.
- Upload the required documents.
- Submit the form to complete your registration and receive your MMLSAY ID.
Login Process
- Go to the official website.
- Click on “Beneficiary Login/Registration”.
- Select your beneficiary type and enter your credentials.
- Once logged in, you can download your MMLSAY card.
Why Choose MMLSAY?
The Mukhya Mantri Lok Sevak Arogya Yojana is a thoughtful initiative aimed at providing financial security and peace of mind to Assam’s government employees and pensioners. With seamless online registration, family inclusion, and substantial health coverage, it ensures access to quality healthcare without the financial burden.
Take advantage of this scheme to secure your health and that of your loved ones. Register today and take a step toward a healthier future!