Punjab Mukh Mantri Sehat Yojana (MMSY) — ₹10 Lakh Free Health Insurance

The Mukh Mantri Sehat Yojana (MMSY) is a universal health insurance scheme launched by the Punjab government on 23 January 2026. Chief Minister Bhagwant Mann and AAP national convener Arvind Kejriwal inaugurated the scheme in Mohali.

Under MMSY, every family in Punjab gets ₹10 lakh per year of free cashless medical treatment at over 823 empanelled hospitals — both government and private. The scheme replaces the earlier Sarbat Sehat Bima Yojana / AB PM-JAY MMSBY and doubles the coverage from ₹5 lakh to ₹10 lakh. Punjab is the first state to offer ₹10 lakh universal health insurance with no income limit.

Also see: All Punjab Government Schemes & Services for a complete list of benefits available to Punjab residents.

Who is Eligible?

MMSY has universal coverage — there is no income limit. All bonafide residents of Punjab are eligible.

• All Punjab families — approximately 65 lakh families covering 3 crore people
• Government employees — including pensioners, contractual staff, outsourcing and consultancy-based workers in Punjab government departments, boards, corporations, trusts and societies
• Children under 18 — covered through parents' or guardians' Voter ID
• No income ceiling — rich or poor, every family qualifies

Basic Requirements

• Must be a bonafide resident of Punjab
• Must have an Aadhaar card
• Must have a Punjab Voter ID

Documents Required

• Aadhaar Card — of family members (mandatory for verification and health card generation)
• Voter ID (Punjab) — proof of Punjab residency
• Family details — names and Aadhaar numbers of all family members
• Mobile number — for OTP verification during registration

For children below 18, parents' Voter ID and Aadhaar are sufficient.

What is Covered?

MMSY covers 2,300+ medical treatment packages across secondary and tertiary healthcare:

Also covered:

• Pre-hospitalisation expenses (consultations, tests before admission)
• Post-hospitalisation expenses (follow-up care, medicines after discharge)

How to Apply & Get Your Health Card

Online / Sewa Kendra Process

1. Visit a Sewa Kendra (Common Service Centre) near your home — or apply online through the State Health Agency portal
2. Carry Aadhaar card and Punjab Voter ID for all adult family members
3. Verify identity — biometric/OTP verification using Aadhaar
4. Submit family details — names and Aadhaar numbers of all members
5. Health card is issued — a single Mukh Mantri Sehat Yojana health card for the entire family
6. Card links to Aadhaar — this card is your pass for cashless treatment at any empanelled hospital

Door-to-Door Enrolment

The Punjab government has deployed trained youth club members who visit homes to help residents register and get their health cards made. If you haven't received your card yet, contact your local Sewa Kendra or wait for the door-to-door team.

How to Use the Health Card (Cashless Treatment)

1. Visit any of the 823 empanelled hospitals (government or private) in Punjab or Chandigarh
2. Show your MMSY health card at the hospital reception
3. Hospital verifies your card and provides cashless treatment — you pay nothing
4. Hospital submits the claim to the implementing agency (State Health Agency / insurance company)
5. In medical emergencies, treatment outside Punjab is also possible using the health card

Empanelled Hospitals

• 823+ hospitals across Punjab are empanelled
• Includes government hospitals, district hospitals, sub-divisional hospitals, community health centres, and medical colleges
• Large number of private multi-specialty and teaching hospitals included
• Hospitals in Chandigarh are also empanelled
• Out-of-state treatment available in cases of medical necessity

To check the full list of empanelled hospitals, visit the official State Health Agency portal: sha.punjab.gov.in

Fees

The beneficiary pays nothing — the entire scheme is government-funded. The Punjab government has allocated a budget of ₹1,200 crore for MMSY. Insurance coverage of ₹1 lakh per family is provided through United India Insurance Company, while the remaining ₹9 lakh is funded directly by the state government through the State Health Agency.

Processing Time

• Health card issuance — typically same-day at Sewa Kendras, subject to Aadhaar verification
• Treatment — cashless and immediate at empanelled hospitals upon card verification

Important Tips

1. Keep your health card safe — it is the single document needed for cashless treatment. One card covers the entire family.
2. Verify hospital empanelment before visiting — check the list at sha.punjab.gov.in or call the helpline.
3. No income proof needed — do not pay any middleman or agent claiming to "process" your application. Registration is free.
4. Children are automatically covered under parents' card — no separate registration needed for kids under 18.
5. Emergency treatment outside Punjab is possible — carry your health card when travelling.

Frequently Asked Questions (FAQs)

Q1. Who is eligible for Mukh Mantri Sehat Yojana?

All bonafide residents of Punjab are eligible — there is no income limit. You need an Aadhaar card and Punjab Voter ID to enrol.

Q2. How much health coverage does MMSY provide?

MMSY provides ₹10 lakh per family per year of free cashless medical treatment. This is double the ₹5 lakh limit under the previous scheme.

Q3. How do I get my MMSY health card?

Visit your nearest Sewa Kendra with Aadhaar and Voter ID. You can also wait for the government's door-to-door enrolment drive. Registration is completely free.

Q4. Which hospitals accept the MMSY health card?

Over 823 government and private hospitals across Punjab and Chandigarh are empanelled. Check the full list at sha.punjab.gov.in.

Q5. What treatments are covered under MMSY?

The scheme covers 2,300+ treatment packages including heart surgery, cancer treatment, kidney dialysis, knee/hip replacement, brain surgery, maternity care, ICU, trauma care, and more.

Q6. Do I need to pay anything at the hospital?

No. Treatment is completely cashless. Show your health card, get treated, and the hospital claims reimbursement from the government.

Q7. Are government employees eligible?

Yes. Government employees, pensioners, and contractual/outsourced staff are all covered under MMSY.

Q8. Does MMSY replace the earlier Sarbat Sehat Bima Yojana?

Yes. MMSY replaces the Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana (AB PM-JAY MMSBY) with enhanced coverage of ₹10 lakh and universal eligibility.

Q9. Can I get treatment outside Punjab?

Yes, in cases of medical necessity, beneficiaries can seek treatment outside the state using their MMSY health card.

Q10. What is the official website for MMSY?

The official portal is the State Health Agency, Punjab: https://sha.punjab.gov.in

Disclaimer: This guide is published by CitizenNest for informational purposes. We are not affiliated with the Punjab government. For the latest official information, please visit sha.punjab.gov.in.