Assam’s Mukhya Mantri Lok Sevak Arogya Yojana(MMLSAY) 2023: A Game-Changer for Government Employees

Mukhya Mantri Lok Sevak Arogya Yojana(mmlsay)

Assam’s Mukhyamantri Lok Sevak Arogya Yojana(MMLSAY) 2023 is set to revolutionize healthcare for the state’s government employees. This health insurance scheme, launched on July 19, 2023, represents a significant step forward in providing comprehensive medical coverage to government workers, retirees, and their dependents. In this article, we will delve into the intricacies of this scheme, highlighting its key features, eligibility criteria, the application process, and more. By the end of this article, you’ll have a clear understanding of how this initiative aims to improve the healthcare landscape for Assam’s public servants.

Key Highlights of Mukhya Mantri Lok Sevak Arogya Yoyana (MMLSAY)

  • Launch Date: July 19, 2023
  • Official Website: Link
  • Objective: To provide health insurance assistance to Assam Government employees.
  • Insured Amount: Rs 5 Lakh
  • Claim Duration (Maximum): 90 Days
  • Web Portal Launch Date: October 02, 2023
  • Insurance Claim Duration: Within 15 Days of claim
  • Helpline Number: 1800-309-3945

Features of Mukhyamantri Lok Sevak Arogya Yojana (MMLSAY)

The scheme boasts several noteworthy features that set it apart from the existing reimbursement model for state government employees:

  1. Registration Methods: Beneficiaries and their dependents can register for the scheme either online or by visiting district kiosks, which are conveniently located at the District Commissioner Office.
  2. CGHS-Approved Rate: Medical treatment costs are reimbursed based on the CGHS-approved rate, ensuring standardized and fair coverage.
  3. Advance Payments: Beneficiaries have the option to request advance payments online, providing financial relief when needed most.
  4. Direct Reimbursements: Advance reimbursements are sent directly to hospitals, simplifying the financial aspects of medical care.
  5. IT Platform: The scheme operates through a single IT platform, streamlining claim processing and reducing paperwork.
  6. Aadhar-Linked Process: To prevent fraudulent claims, the process is linked to Aadhar, enhancing security.
  7. Timely Reimbursement: Reimbursements are guaranteed within a fixed timeframe of 90 days, ensuring quick access to funds.

Eligibility Criteria for Mukhyamantri Lok Sevak Arogya Yojana (MMLSAY)

To qualify for Mukhyamantri Lok Sevak Arogya Yojana, applicants must meet the following criteria:

  • Be a permanent resident of Assam.
  • Current and retired state government employees are eligible.
  • Scheme benefits extend to the applicant’s family members.
  • Ineligibility applies to those already benefiting from other government schemes.

Documents Required for Mukhyamantri Lok Sevak Arogya Yojana (MMLSAY)

Before applying, ensure you have the necessary documents:

  • Aadhaar Card
  • Ration Card
  • Domicile Certificate
  • Government Employee ID Card
  • Bank Details
  • Income Certificate (PAN Card)
  • Passport Size Photo
  • Mobile Number

These documents verify your eligibility and simplify the application process.


Assam’s Mukhyamantri Lok Sevak Arogya Yojana 2023 is a milestone in providing comprehensive healthcare to government employees, retirees, and their families. With its user-friendly features, fair reimbursement rates, and simplified procedures, it promises to enhance healthcare accessibility and financial security. If you’re an eligible government employee in Assam, don’t miss the opportunity to benefit from this groundbreaking health insurance scheme. Apply online and secure your family’s health and well-being today.

FAQ on Mukhyamantri Lok Sevak Arogya Yojana (MMLSAY)

What is Mukhya Mantri Lok Sevak Arogya Yojana?

Mukhay Mantri Lok Sevak Arogya Yojana (MMLSAY) is a medical reimbursement scheme of the state government which aims at providing medical reimbursement to Government employees including Government pensioners and their dependents at CGHS rates.

What will happen to the existing manual medical reimbursement process?

The existing manual system of medical reimbursement will continue parallely.

What is the process of medical reimbursement in Mukhya Mantri Lok Sevak Arogya Yojana(MMLSAY)?

Under Mukhya Mantri Lok Sevak Arogya Yojana, registration and medical reimbursement of Government employees, their dependents and Government pensioners and their spouses will be done through an online IT portal. This IT Portal will be with end to end functioning. The address of the portal is

What is the procedure for registration and medical reimbursement in the IT portal?

Registration and reimbursement process can be done either by self or through assistance of the District Kiosks located in offices of the District Commissioners. Certain information like Aadhar Number, contact number and family details will have to be provided at the time of registration. For submitting claims, bank details and documents related to treatment in the concerned hospital are to be uploaded.

What is the process of validation of the registration and process of clearing reimbursement claims?

Validation of registration in the IT portal will be done by the concerned DDO. Reimbursement claims will also be validated by the DDO which will be followed by clearance from Implementation Support Agency(ISA), Project Management Unit(PMU) of Atal Amrit Abhiyan Society and final approval from Admissibility Board under Atal Amrit Abhiyan Society.

What is the process of obtaining hospital reimbursement claims?

Reimbursement claims will be deposited in the account number provided by the beneficiary in the IT portal.

How many days will it require for reimbursement of a hospital claim?

Initially it will take 90 days from the date of submission of a claim in an ideal situation which will be reduced to 45 days.

Which medical reimbursement be done only if treatment is done in an empanelled hospital?

Medical reimbursement will be done in case of treatment in any hospital. However, there will be certain criteria for the treatment hospital.

Treatment hospital should be registered under Clinical Establishment Act/any other relevant act in the particular state where the hospital is located.
The hospital should have an OT and ICU.
The hospital should have a minimum number of beds available.
The hospital should have the facility to treat the concerned ailment of the beneficiary.

Will there be any provision of advance in case of high cost treatment?

Provision of advance upmto a maximum of 75% of prescribed CGHS rates to the concerned hospital available.

Will there be any monthly contribution from Government employees?

Monthly contribution from Government employees will be half of the grade wise CGHS contribution.

Will OPD be covered under the Scheme?

OPD cost of only post-operative treatments will be covered.

Will there be any caping on the treatment cost?

There is no capping on the treatment cost however, medical reimbursement will be based on CGHS rates.

What will be the basis of reimbursement?

Medical reimbursement will be done at CGHS rates.

How will be beneficiaries track payment status of the claims submited?

SMS updates of claims process to the beneficiaries will be available.

What will be the entitlement of wards/semi cabins/cabins?

Entitlement will be as per grades based on the CGHS entitlement criteria.

Palash Chamuah

He is a lead editor at Pure Knowledge Centum, where he generously shares his knowledge to assist beginners in various aspects such as earning money online, providing tips and tricks, curating the best technological articles, and offering guidance on web hosting.

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