The Gujarat government has extended the Pradhan Mantri Jan Arogya Yojana (PMJAY) to cover state government employees, officers, and pensioners — a move that fundamentally changes how lakhs of government workers access healthcare in the state. Under the newly structured Gujarat Karmayogi Swasthya Suraksha Yojana, eligible beneficiaries receive a special “G” category PMJAY card that provides cashless medical treatment at empanelled hospitals across Gujarat, with a significantly enhanced coverage ceiling compared to the standard national scheme.
What Is the Gujarat Karmayogi Swasthya Suraksha Yojana?
This is the umbrella scheme under which PMJAY benefits have been extended to government employees. It covers All India Services (AIS) officers, state government officers and employees, and pensioners — along with their families. The scheme was announced by the Gujarat government and detailed claim guidelines were released on 29 May 2025.
The key differentiator from the standard PMJAY: while the national PM-JAY scheme provides ₹5 lakh per family per year, Gujarat’s enhanced version for government employees raises this ceiling to ₹10 lakh per family per year — the highest cashless health cover ever provided to Gujarat government workers.
Key Benefits at a Glance
- Coverage limit: Up to ₹10 lakh per family per year for cashless hospitalisation
- Procedures covered: 2,471 defined medical procedures — including cardiovascular surgeries, cancer treatment (with HCG and other oncology centres empanelled), neurological diseases, kidney diseases and dialysis, and orthopaedic procedures
- OPD not included: Outpatient consultations are not covered — the existing monthly medical allowance of ₹1,000 continues in parallel for OPD expenses
- Hospital network: 2,712 empanelled hospitals across Gujarat — 947 private hospitals and 1,765 government hospitals
- Cashless admission: No upfront payment required at empanelled hospitals — claims are settled directly between the hospital and the State Health Agency (SHA)
Who Is Eligible?
The following categories are covered under the Gujarat PMJAY extension:
- All Gujarat state government officers and employees (gazetted and non-gazetted)
- All India Services officers posted in Gujarat
- Retired government employees and pensioners of Gujarat
- Family members of the above, as defined by the PMJAY family unit norms
How to Get Your PMJAY G Card
The “G” category PMJAY card is your gateway to all scheme benefits:
- Contact your Drawing and Disbursing Officer (DDO) in your department — they are the first point of contact for card issuance coordination.
- Submit your Aadhaar card details and family member information as required by the State Health Agency.
- The card is issued by the State Health Agency (SHA) Gujarat — the nodal body for all PMJAY operations in the state.
- Once issued, the G card is accepted at any of the 2,712 empanelled hospitals in Gujarat for cashless treatment of covered procedures.
How to Use the Card at a Hospital
- Present your PMJAY G card at the hospital’s Ayushman Mitra desk or insurance helpdesk upon admission.
- The hospital verifies your eligibility online through the Ayushman Bharat portal in real time.
- Upon verification, treatment begins on a cashless basis — the hospital coordinates directly with SHA for payment.
- Keep all discharge summaries and treatment records for your personal files.
Finding Empanelled Hospitals Near You
The complete list of 2,712 empanelled hospitals is available on the Ayushman Bharat PMJAY portal at pmjay.gov.in. Filter by Gujarat state and your district to find the nearest hospitals accepting the G card. Major empanelled networks include Apollo, Sterling, HCG Cancer Centres, Zydus Hospitals, Care Hospitals, and all government medical colleges and district hospitals.
Important Notes for Government Employees
The monthly medical allowance of ₹1,000 that employees currently receive for outpatient expenses continues unchanged — this scheme does not replace it. The PMJAY G card is strictly for inpatient hospitalisation. Employees facing difficulties with card issuance or claim processing can contact the SHA Gujarat helpline at 14555 — the same number used for all Ayushman Bharat queries.
This integration of PMJAY with the state government workforce is one of the most significant employee welfare decisions in recent Gujarat budget cycles. All eligible employees and pensioners are strongly advised to obtain their G card proactively — before a medical emergency makes speed essential.