Atal Amrit Abhiyan: Eligibility, Benefits & Coverage

Quick Overview

Atal Amrit Abhiyan (AAA) was a cashless health scheme launched by Assam Government in 2016. It offered up to ₹2 lakh per person annually to BPL and low-income APL families. It covered six critical specialties including cancer, heart, kidney, neurological, neonatal, and burns.

However, in the Assam Budget 2023–24 speech, the Government of Assam announced that Atal Amrit Abhiyan would be discontinued. This was to avoid duplication after launching the Mukhya Mantri Ayushman Asom (AA-MMJAY), which follows a family-floater model. Under the convergence model, eligible families are covered under AA-MMJAY with Ayushman Bharat, across Assam and outside the state.

Low-income families often delay or avoid treatment because the cost of serious illnesses can be overwhelming. Hospital bills for treatments like cancer care, heart surgeries, or complications at birth can run into lakhs, pushing households into long-term debt. To ease this burden, the Government of Assam had introduced Atal Amrit Abhiyan in 2016.

This guide explains how Atal Amrit Abhiyan worked, who it covered, what it included and excluded, and why families should also check the Mukhya Mantri Ayushman Asom (AA-MMJAY) for their healthcare planning.

Key Features of Atal Amrit Abhiyan (2016-2023)

Individual Coverage: Unlike family-floater plans, AAA was unique because each adult family member received a separate laminated ID card with a unique identification number.
Cashless Treatment: Beneficiaries received 100% cashless inpatient care. This covered everything from consultation and investigations to medicines, hospital stay, and even food.
Treatment Outside Assam: AAA provided a critical pathway for treatment in cities like New Delhi, Kolkata, and Bengaluru when local capacity was unavailable. This required a formal referral from the state authorities.
No Age Restriction: The scheme covered everyone, from newborns to senior citizens, ensuring that age was never a barrier to life-saving care. Children below 18 years were enrolled under the head of the family’s card, while adults received individual cards.
Pre-existing Diseases: A major strength was the zero-waiting period. Listed conditions were covered from the very first day of enrollment.

Inclusions and Exclusions of Atal Amrit Abhiyan

What was Covered (Inclusions)	What was NOT Covered (Exclusions)
Cardiovascular Diseases: Heart surgeries (CABG), valve replacements, stenting, and repairs for congenital heart defects.	OPD & Diagnostics: Consultations, health check-ups, or lab tests that do not require overnight hospitalization.
Cancer: Comprehensive care including Chemotherapy, Radiotherapy, and Oncology surgeries.	Non-Surgical Hospitalization: Hospital stays for observation or psychiatric treatments.
Renal (Kidney) Diseases: Dialysis, kidney stone removals, and renal transplant surgeries.	Maternity & Childbirth: Normal deliveries, standard C-sections, and routine prenatal or postnatal care.
Neurological Conditions: Brain surgeries, spinal cord treatments, and stroke management.	Cosmetic & Dental: Plastic surgery for aesthetic reasons, dental implants, or routine dental care.
Neonatal Diseases: Specialized intensive care (NICU) for newborns with life-threatening complications.	Pre-existing Conditions (Non-Critical): While covered for the 6 specialties, other pre-existing issues like Diabetes or BP management were excluded.
Burns: Critical burn management, reconstructive surgeries, and skin grafting for severe injuries.	-
Follow-up Care: Specific "post-operative" packages for recovery after a covered surgery.	-

Note: Atal Amrit Abhiyan provided treatment only according to its approved package list.

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Eligibility and Application Process for Atal Amrit Abhiyan

Status Update: New enrolments under Atal Amrit Abhiyan are no longer accepted. The eligibility, documentation and application details below are shared for reference and for families who were previously enrolled.

You can verify migration status to AA-MMJAY via hfw.assam.gov.in or atalamritabhiyan.assam.gov.in.

Eligibility Factor	Criteria and Details
Residency	Must be a permanent resident of the state of Assam.
BPL Category	Families with an annual income up to ₹1.2 Lakh.
APL Category	Families with an annual income between ₹1.2 Lakh and ₹5 Lakh.
Income Verification	Must provide an Income Certificate from the Circle Officer or be listed in the NFSA (Ration Card) database.
Exclusions	Government Employees (Current or Retired) and their families are ineligible for this scheme.

How to Apply for Atal Amrit Abhiyan?

Visit an Enrollment Center: Go to the nearest Atal Amrit Abhiyan Enrollment Center or the Office of the Joint Director of Health Services in your district. Many Common Service Centres (CSCs) in Assam also facilitate the initial stages of registration.
Document Verification: Submit your original documents to the government officer at the kiosk. They will verify your identity, residency, and income status.
Biometric Data Collection: Once your documents are verified, the officer will capture your fingerprints and a live photograph. This is a mandatory step, as the AAA card is a biometric-enabled smart card.
Payment of Fees: The enrolment process is completely free for BPL families. APL families must pay a nominal enrolment fee of ₹100 per member per year. You will receive a receipt/challan for this payment.
Card Issuance: After the data is processed, you will be issued a unique, laminated Atal Amrit Abhiyan ID card. This card contains a barcoded unique identification number, which you must present at hospitals to receive cashless treatment.

Note: The steps above explain how enrolment worked when AAA was active.

Documents Required for Atal Amrit Abhiyan Enrollment

Document Type	Purpose and Requirement
Identity & Residency Proof	Voter ID (EPIC) or Aadhaar Card to prove you are a permanent resident of Assam.
Income Certificate	Official proof issued by the Circle Officer to determine if you are in the BPL or APL category.
Original Birth Certificate	Mandatory for all applicants under 18 years to establish age and identity.
Family Details	National Food Security Act (NFSA) Ration Card, if applicable, to verify family composition and eligibility status.
Recent Photograph	Passport-size photo (though most kiosks now capture your photo live during registration).

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Conclusion

The Atal Amrit Abhiyan (AAA) played a crucial role in offering cashless critical-care cover to Assam’s low-income population. But its scope was limited to select life-threatening conditions and did not cover routine hospitalizations, minor procedures, or accidents.

Since AAA was discontinued in October 2023, families should now rely on Mukhya Mantri Ayushman Asom (AA-MMJAY) for basic government-backed coverage. However, government schemes come with fixed package rates, eligibility limits, hospital restrictions, and gaps in everyday medical care.

If you or your family are covered under AA-MMJAY (or any government scheme), treat it as a foundation, not a complete solution. Pairing it with a comprehensive private health plan offers higher coverage limits, wider hospital choice, better room options, and stronger protection for common medical needs. This helps you avoid out-of-pocket shocks when life happens.

Disclaimer: Atal Amrit Abhiyan (AAA) was a government-managed health assurance scheme under the Government of Assam. Ditto is not affiliated with this scheme or with any government program. The information shared here is for general awareness and is based on publicly available sources. Scheme rules, package lists, hospital empanelment, and benefits may change over time. Please verify the latest details on the official website before making any healthcare or financial decisions.

Frequently Asked Questions

Is my old Atal Amrit Abhiyan card still valid?

Most AAA cardholders have been migrated to the Ayushman Asom (AA-MMJAY) or Ayushman Bharat (PM-JAY) systems. You should check your eligibility on the official portal using your Aadhaar or Ration Card.

What replaced Atal Amrit Abhiyan for government employees?

Government employees and pensioners are now covered under the Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY), which offers a cashless module for medical expenses.

Does the new scheme cover the same 6 diseases as AAA?

Yes, and much more. The current Ayushman Asom scheme covers over 1,500 procedures, significantly expanding beyond the original 437 procedures covered by AAA.

Do APL families need to pay the ₹100 enrollment fee under the new Ayushman Asom scheme?

No, beneficiaries do not need to pay anything for enrolling in Ayushman Asom – Mukhya Mantri Jan Arogya Yojana (AA-MMJAY). Unlike the older Atal Amrit Abhiyan, which required a ₹100 fee for APL families, this merged scheme is completely free for all eligible NFSA cardholders.

How do I apply for the new card in 2026?

To apply for an Ayushman Asom – PMJAY card, visit your nearest enrollment center, Common Service Centre (CSC), or official health department office in Assam. Submit identity and NFSA documents, complete biometric verification, and the staff will issue your new health card.

Last updated on: 27 Feb, 2026