Mukhmantri Sehat Bima Yojana
Mukhmantri Sehat Bima Yojana offers health insurance coverage of ₹5 lakh per family annually for eligible residents of Punjab.
Key facts
| Cover | ₹10,00,000 per family per year (cashless) |
|---|---|
| Who | Every bona fide Punjab resident family — no income, age or category limit |
| Upgraded from | The earlier ₹5 lakh cover (Sarbat Sehat Bima Yojana) for specific categories |
| Treatments | 2,000+ packages — cardiac, cancer, dialysis, neurosurgery, orthopaedics, emergency care |
| Hospitals | Empanelled government and private hospitals |
| How to enrol | Get the health card at a Sewa Kendra / Common Service Centre (Aadhaar + ration card) |
| Agency | State Health Agency, Punjab |
| Note | For PM-JAY families, the first ₹5 lakh is centrally funded |
| Application window | Enrolment is open on a rolling basis — get or update your health card at a Sewa Kendra. The universal ₹10-lakh expansion rolled out in 2026, so confirm the latest card-issuance steps locally. |
Benefits
Beneficiaries receive a health insurance cover of ₹5 lakh per family each year for hospitalization related to various medical conditions. The scheme provides cashless treatment at government and empaneled private hospitals.
Full guide
What changed in 2026
The Mukh Mantri Sehat Yojana is Punjab’s free health-insurance scheme, and it was substantially expanded in 2026. Earlier, under the Sarbat Sehat Bima Yojana, cover was ₹5 lakh a year and limited to specific groups — farmers, small traders, accredited journalists, construction workers and families listed in the SECC / smart ration-card data. The scheme now provides ₹10 lakh a year to every resident family in Punjab, with no income, age or category test — making Punjab the first state to offer ₹10 lakh of universal health cover. Because it is a fresh rollout, it is worth confirming the current enrolment details locally.
What ₹10 lakh covers
The cover is cashless at empanelled government and private hospitals and runs to more than 2,000 treatment packages — including cardiac surgery, cancer care, dialysis, neurosurgery, orthopaedics and emergency treatment. Package rates are fixed, so an eligible family generally pays nothing at the hospital for a covered treatment, up to the ₹10 lakh annual limit.
Who is eligible now
Every bona fide resident family of Punjab is eligible — there is no income limit, no age limit and no category restriction. Families already covered by the national PM-JAY (Ayushman Bharat) scheme continue to get their first ₹5 lakh funded centrally, with the state topping the cover up to ₹10 lakh. In short, if you live in Punjab, your household can be covered.
How to get your health card
The health card is what unlocks cashless treatment, so getting it made is the main step. Visit your nearest Sewa Kendra or Common Service Centre with your Aadhaar and ration card and have a card made for each family member. Keep the card (or your family ID) handy — at the hospital you present it at the Ayushman / Sehat help desk to start a cashless admission.
Using the cover at a hospital
- Go to an empanelled hospital (for planned treatment, check the list first)
- Report to the Ayushman / Sehat help desk and show your health card
- The hospital’s Arogya Mitra verifies eligibility and starts a cashless request
- For emergencies, go to the nearest empanelled hospital and complete verification there
Who can apply
- For: farmer, trader, journalist, construction worker
- Resident of Punjab
- secc 2011 listed
- smart ration card holder
- j form holder
- small trader
- small marginal farmer
- accredited journalist
- registered construction worker
Residents of Punjab who are farmers, traders, journalists, or construction workers can apply. Eligibility is based on specific criteria such as being listed in the SECC 2011, holding a smart ration card, or being a registered small trader or construction worker.
Who is not eligible
- People who are not bona fide residents of Punjab
- Treatments and packages outside the empanelled list (routine OPD, purely cosmetic procedures, etc.)
- Costs above the ₹10 lakh annual family limit
- (There is no income, age or category bar — the cover is universal)
How to apply
This scheme does not require a formal application process as it is entitlement-based. Eligible families are identified by the government.
- Check eligibility based on SECC 2011, smart ration card, or other criteria.
- Visit a Common Service Center (CSC) or Sewa Kendra to obtain the e-card.
- Pay ₹30 for each family member's e-card print.
- Provide necessary documents like Aadhar Card and Income Certificate if applicable.
Documents required
- Aadhar Card
- Ration Card
- Family Declaration (If no Ration Card)
- Income Certificate
- Construction Worker Card (If belong to that Category)
Common problems and how to fix them
| Problem | What to do |
|---|---|
| The hospital is asking for cash | Treatment is cashless at empanelled hospitals. Ask for the Ayushman / Sehat help desk (Arogya Mitra); if you are still refused, contact the State Health Agency. |
| You do not have a health card yet | Visit a Sewa Kendra or Common Service Centre with your Aadhaar and ration card to get the card made. |
| Your name was not in the old SSBY list | That no longer matters — the scheme is now universal, so new families can enrol. Get a fresh card. |
| Not sure which hospitals are covered | Check the empanelled-hospital list before a planned admission (emergencies can be taken to the nearest empanelled hospital). |
Frequently asked questions
What is the maximum health insurance coverage under this scheme?
The scheme provides a maximum health insurance coverage of ₹5 lakh per family per year.
Who is eligible for the Mukhmantri Sehat Bima Yojana?
Eligibility includes residents of Punjab who are small farmers, traders, journalists, or registered construction workers, among other criteria.
What documents are required to obtain the e-card?
Required documents include an Aadhar Card, Ration Card, Family Declaration (if no Ration Card), Income Certificate, and Construction Worker Card (if applicable).
Is there an enrollment process for this scheme?
No, there is no enrollment process as it is an entitlement-based scheme; eligible families are identified by the government.
Can new families apply for benefits under this scheme?
Currently, no new families can be added; however, additional family members can be included for existing eligible families under certain conditions.
How much is the cover?
₹10 lakh per family per year, cashless, at empanelled hospitals.
Who is eligible now?
Every bona fide Punjab resident family — there is no income, age or category limit.
I earn well — am I still eligible?
Yes. The scheme is now universal, so there is no income test.
Was the cover not ₹5 lakh earlier?
It was — the earlier Sarbat Sehat Bima Yojana gave ₹5 lakh to specific categories. Punjab expanded it to ₹10 lakh for every family in 2026.
How do I get the health card?
Visit a Sewa Kendra or Common Service Centre with your Aadhaar and ration card.
Key terms explained
- SECC 2011
- The Socio-Economic and Caste Census of 2011 — a nationwide survey used to identify eligible households for several central schemes.
Always confirm the latest details on the official portal before applying.
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