Mukhyamantri Amrutum (MA) Yojana for BPL – (n)Code Solutions – A Division of GNFC Ltd.

Project Category: Corporate
Sub Category: Most efficient use of ICT for Consumer connect
Reference No.: PSE2013/awards/88

Details of Programme /Project/Initiative:

Brief Description:
The honorable Chief Minister of Gujarat – Shri Narendra Modi has inaugurated the Mukhyamantri Amrutum (MA) Yojana for providing tertiary health care treatments to Below Poverty Line (BPL) population of Gujarat. MA Yojana provides quality medical and surgical care for the catastrophic illnesses involving hospitalization, surgeries and therapies through an empanelled network of private as well as government hospitals to the BPL families. • (n)Code is engaged for project roll out which includes activities such as end-to-end project conceptualization (ICT front) data collection/ migration/ verification, Biometric Fingerprint De-duplication, Quick Response Code based card personalization /Issuance/ distribution, setup of Stationary as well as Mobile Kiosks and Integrated software and Web Portal development, etc. • The Scheme shall benefit BPL families of all the 26 districts of Gujarat which is expected to be approximately 42 Lacs BPL families (As per Rural Development and Urban Development Department). • Quick Response coded (QR Coded) Plastic cards shall be issued to the eligible BPL families under the scheme. The treatment is provided free-of-cost through any of the empanelled hospitals to the enrolled BPL beneficiary. • The total sum assured for the BPL family is of Rs.2,00,000/- per family per annum on family floater basis. A unit of five members (including Head of Family) of BPL family is covered under MA Yojana. Rs.300/- per hospitalization with a ceiling of maximum Rs.3,000/- per year shall be reimbursed as transportation cost to the beneficiary.

The objective of MA Yojana is to improve access of BPL families to quality medical and surgical care for the treatment of identified diseases involving hospitalization, surgeries and therapies through an empanelled network of health care providers.

Target Group:
MA Yojana benefits Below Poverty Line (BPL) families of all the 26 districts of Gujarat which is expected to be approximately 42 Lacs BPL families (Da

Geographical Reach within India: Gujarat State

Geographical Reach outside India: N/A

Date From which the Project became Operational: 4-9-2012

Is the Project still operational?: Yes

List 5 key achievements of the programme/project:

1. Approximately 42 Lacs beneficiary identified for MA Yojana and 15.60 Lacs MA Card printed and distributed till 19/06/2013.
2. MA card becomes single key for cashless transactions for availing Medical treatment through Biometric Fingerprint authentication.
3. Setup of Taluka Kiosks (227 locations) at every Taluka level and City Civic Center Kiosks (50 locations) across Gujarat for enrollment and Mobile Kiosks (100 Mobile Kiosks) to cover remote areas and enrollment at doorstep of the beneficiaries.
4.In total 58 Multi-specialty Hospitals, both private and government & grant-in-aid, with top notch facilities and equipments are empanelled for providing medical treatment.
5. Around 5800 BPL patients received treatment worth Rs. 16 Crores.

List 5 key challenges faced while implementing the programme/project/initiative and how they were overcome:

1. To gain confidence of Below Poverty Line families, State Government officials, Implementation Support Agency (Third Party Auditors) and Card Technology industry: Several meetings were organized with all the stakeholders to explain the initiative (scheme) and to bring them on the same platform.
2. Supply of necessary Hardware and Software – As huge database is involved and all transactions are online, special care has been taken for the requirements of necessary hardware and software. The supply of QR Coded MA Card related hardware/infrastructure was required in large numbers.
3. Improving the enrollment and hospitalization – Issuance of QR Coded “MA Cards” in the village was one of the most challenging aspects of MA Yojana. Once, the MA Cards were issued, the second challenge was to improve the awareness about the usage of MA Cards at empanelled hospitals. Sensitization activities through all the stakeholders helped in facilitating the beneficiaries.
4. Lack of capacities at different levels – Building the capacities at every level to implement MA Yojana was another challenge. Lack of capacity was not only from government end but also among the hospitals, ISA (Third Party Auditors), Manpower Provision Agency as well as IT services vendors. Training camps were arranged for Data Entry Operators, State, District & Taluka level health officials, ISA members and Hospital employees for effective and efficient operations of M
5. Transaction Monitoring and Control- As large number of beneficiaries and stakeholders were involved in the scheme, and financial transactions take place in large numbers and amount. Thus, monitoring and making the processes transparent using various validation and de-duplication technology was a challenge. MA Yojana review meetings are done under the chairmanship of Project Director is organized every week to assess and monitor the progress. Various amendments were also made in the policy and.

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