Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh)
Streamlined online cashless healthcare and instant medical reimbursement up to ₹5 Lakh at CGHS rates for state employees and pensioners.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹480 Crore civil servant and pensioner health assurance budget
Official Budget Document ↗Covering over 4.5 Lakh state employees, pensioners, and their dependents
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Active employee or retired pensioner of the Government of Assam and their legitimate dependent family members.
Required Documents Checklist
Verify readiness before applying for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Enrol online via the dedicated MMLSAY portal (mmlsay.assam.gov.in) with employee code or PPO pension number.
- 2
Upload family details, Aadhaar cards, and select preferred hospital network.
- 3
Access cashless hospital admissions via digital health card with automated online claim processing within 90 days.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-government employees, un-empaneled commercial nursing homes without pre-approval, or non-CGHS rate claims.
Official Government Application Portal
You will be redirected to the secure official portal: mmlsay.assam.gov.in
Get Curated Scheme Alerts & Application Deadlines
Never miss an installment date, scholarship deadline, or new state subsidy. Voluntarily subscribe to receive verified government scheme updates directly on WhatsApp or Email.
Successfully Subscribed!
Your preferences are securely saved. You will receive verified alerts when application windows open. You can unsubscribe anytime.
💡 Need an immediate personalized document checklist & rejection audit for your profile?
Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Can treatment be availed at premier hospitals outside Assam?
Yes, top tertiary hospitals including Narayana Health, Apollo, and Tata Memorial Mumbai are empaneled under MMLSAY.
Source: Official Scheme FAQ ↗Who is eligible to apply for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh)?
Eligible applicants must satisfy official government criteria for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh). Age: min 18 max 95 years. Conditions: Active employee or retired pensioner of the Government of Assam and their legitimate dependent family members..
Source: Official Scheme FAQ ↗What are the key benefits provided under Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh)?
Under official guidelines for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh), beneficiaries are entitled to: Comprehensive digital healthcare access providing cashless treatment and rapid paperless online medical reimbursement at approved Central Government Health Scheme (CGHS) package rates up to ₹5,00,000 per family per year across 500+ empaneled government and private hospitals in Assam and major metro ...
Source: Official Scheme FAQ ↗How do I apply for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh)? What is the official process?
To apply for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh), applicants should follow the official procedure: 1. Enrol online via the dedicated MMLSAY portal (mmlsay.assam.gov.in) with employee code or PPO pension number. 2. Upload family details, Aadhaar cards, and select preferred hospital network. 3. Access cashless hospital admissions via digital health card with automated online claim processing within...
Source: Official Scheme FAQ ↗Can I track my Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh) application status?
Application status for Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh) can typically be tracked through the official portal at mmlsay.assam.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-government employees, un-empaneled commercial nursing homes without pre-approval, or non-CGHS rate claims.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-19 | scheme_type | state | Official Source ↗ |
| 2026-10-06 | ministry_id | 263 | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless Medical Treatment up to ₹5 Lakh) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous service enrollment and 24x7 medical hospitalization access
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 23d ago from .gov.in source
Apply online with minimal documents
Related Welfare Programs
World largest government-funded health assurance scheme providing ₹5 lakh annual cashless health cover per family for secondary and tertiary care hospitalization.
Direct benefit maternity benefit scheme under Mission Shakti offering cash incentives up to ₹6,000 for pregnant women and lactating mothers.
National affordable medicine initiative providing high-quality generic medicines and surgicals through dedicated Kendra outlets at 50% to 90% lower prices.
📅Scheme Milestone Timeline
Baseline verification of Mukhya Mantri Lok Sevak Arogya Yojana (MMLSAY Cashless ...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Medical Education & Research Department, Government of Assam
Assam Secretariat, Dispur, Guwahati 781006
Helpline: 1800-345-3574
Jurisdiction: AssamNotice a Discrepancy?
Help keep civic data 100% accurate. We audit every report against primary gazettes.
Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.