<<–2/”>a href=”https://exam.pscnotes.com/5653-2/”>h2>MAH: Maharashtra Health Assistance
What is MAH?
MAH stands for Maharashtra Health Assistance. It is a comprehensive health insurance scheme launched by the Government of Maharashtra in 2012. The scheme aims to provide financial assistance to residents of Maharashtra for medical treatment, thereby reducing the financial burden associated with healthcare.
Eligibility Criteria
To be eligible for MAH, an individual must meet the following criteria:
- Residency: Must be a permanent resident of Maharashtra.
- Age: Must be above 18 years of age.
- Income: Annual family income should be less than INR 1 lakh.
- Other: Must not be covered under any other government health insurance scheme.
Benefits of MAH
The MAH scheme offers various benefits to its beneficiaries, including:
- Financial Assistance: The scheme provides financial assistance for medical treatment up to a certain limit.
- Coverage: The scheme covers a wide range of medical treatments, including hospitalization, surgery, and critical illnesses.
- Cashless Treatment: Beneficiaries can avail cashless treatment at empanelled hospitals.
- Pre-Hospitalization and Post-Hospitalization Expenses: The scheme covers pre-hospitalization and post-hospitalization expenses.
- Ambulance Charges: The scheme covers ambulance charges for transportation to the hospital.
Types of MAH Schemes
The MAH scheme is divided into two main categories:
- MAH-Arogya: This scheme is for individuals and families with an annual income of less than INR 1 lakh.
- MAH-Arogya Plus: This scheme is for individuals and families with an annual income of less than INR 2 lakh.
MAH-Arogya
| Benefit | Coverage |
|---|---|
| Hospitalization | Up to INR 1.5 lakh |
| Surgery | Up to INR 1 lakh |
| Critical Illnesses | Up to INR 5 lakh |
| Pre-Hospitalization Expenses | Up to INR 10,000 |
| Post-Hospitalization Expenses | Up to INR 10,000 |
| Ambulance Charges | Up to INR 5,000 |
MAH-Arogya Plus
| Benefit | Coverage |
|---|---|
| Hospitalization | Up to INR 2 lakh |
| Surgery | Up to INR 1.5 lakh |
| Critical Illnesses | Up to INR 7.5 lakh |
| Pre-Hospitalization Expenses | Up to INR 15,000 |
| Post-Hospitalization Expenses | Up to INR 15,000 |
| Ambulance Charges | Up to INR 7,500 |
How to Apply for MAH
Individuals can apply for MAH through the following methods:
- Online: Apply through the official website of the Maharashtra Health Department.
- Offline: Apply through the designated Common Service Centers (CSCs) across the state.
Documents Required for Application
- Proof of residency (Aadhaar card, voter ID, ration card)
- Income certificate
- Age proof (birth certificate, passport)
- Medical documents (if applicable)
Claim Process
To claim benefits under MAH, beneficiaries need to follow these steps:
- Hospitalization: Get admitted to an empanelled hospital.
- Claim Form: Fill out the claim form and submit it to the hospital.
- Verification: The hospital will verify the claim and submit it to the MAH authorities.
- Payment: The MAH authorities will process the claim and make the payment directly to the hospital.
Frequently Asked Questions (FAQs)
Q1: What is the eligibility criteria for MAH?
A: To be eligible for MAH, an individual must be a permanent resident of Maharashtra, above 18 years of age, have an annual family income of less than INR 1 lakh, and not be covered under any other government health insurance scheme.
Q2: What are the benefits of MAH?
A: The MAH scheme offers financial assistance for medical treatment, coverage for a wide range of medical treatments, cashless treatment at empanelled hospitals, pre-hospitalization and post-hospitalization expenses, and ambulance charges.
Q3: How can I apply for MAH?
A: You can apply for MAH online through the official website of the Maharashtra Health Department or offline through designated Common Service Centers (CSCs) across the state.
Q4: What documents are required for application?
A: You will need to provide proof of residency, income certificate, age proof, and medical documents (if applicable).
Q5: How do I claim benefits under MAH?
A: Get admitted to an empanelled hospital, fill out the claim form and submit it to the hospital, and the hospital will verify the claim and submit it to the MAH authorities for processing and payment.
Q6: What is the coverage limit for MAH-Arogya and MAH-Arogya Plus?
A: The coverage limit for MAH-Arogya is INR 1.5 lakh for hospitalization, INR 1 lakh for surgery, and INR 5 lakh for critical illnesses. The coverage limit for MAH-Arogya Plus is INR 2 lakh for hospitalization, INR 1.5 lakh for surgery, and INR 7.5 lakh for critical illnesses.
Q7: What are the pre-hospitalization and post-hospitalization expenses covered under MAH?
A: The scheme covers pre-hospitalization expenses up to INR 10,000 for MAH-Arogya and INR 15,000 for MAH-Arogya Plus. Similarly, post-hospitalization expenses are covered up to INR 10,000 for MAH-Arogya and INR 15,000 for MAH-Arogya Plus.
Q8: What are the ambulance charges covered under MAH?
A: The scheme covers ambulance charges up to INR 5,000 for MAH-Arogya and INR 7,500 for MAH-Arogya Plus.
Q9: What are the empanelled hospitals under MAH?
A: You can find the list of empanelled hospitals on the official website of the Maharashtra Health Department.
Q10: Is there any waiting period for claiming benefits under MAH?
A: There is no waiting period for claiming benefits under MAH.
Q11: Can I avail benefits under MAH if I am already covered under another health insurance scheme?
A: No, you cannot avail benefits under MAH if you are already covered under another government health insurance scheme.
Q12: What is the renewal process for MAH?
A: The MAH scheme is renewed annually. You will need to reapply for the scheme every year to continue receiving benefits.
Q13: What are the contact details of the MAH authorities?
A: You can find the contact details of the MAH authorities on the official website of the Maharashtra Health Department.
Q14: What are the benefits of MAH for senior citizens?
A: Senior citizens who meet the eligibility criteria can avail the same benefits as other beneficiaries under MAH.
Q15: What are the benefits of MAH for pregnant Women?
A: Pregnant women who meet the eligibility criteria can avail the benefits of MAH for prenatal and postnatal care, including delivery expenses.
Q16: What are the benefits of MAH for children?
A: Children of eligible beneficiaries can avail the benefits of MAH for medical treatment, including hospitalization, surgery, and critical illnesses.
Q17: What are the benefits of MAH for people with disabilities?
A: People with disabilities who meet the eligibility criteria can avail the benefits of MAH for medical treatment, including hospitalization, surgery, and critical illnesses.
Q18: What are the benefits of MAH for people with HIV/AIDS?
A: People with HIV/AIDS who meet the eligibility criteria can avail the benefits of MAH for medical treatment, including hospitalization, surgery, and critical illnesses.
Q19: What are the benefits of MAH for people with mental health issues?
A: People with mental health issues who meet the eligibility criteria can avail the benefits of MAH for medical treatment, including hospitalization, surgery, and critical illnesses.
Q20: What are the benefits of MAH for people with chronic diseases?
A: People with chronic diseases who meet the eligibility criteria can avail the benefits of MAH for medical treatment, including hospitalization, surgery, and critical illnesses.