Under MMSBY, eligible families will receive cashless health insurance coverage of up to ₹5 lakh per year on a family floater basis. The scheme is meant for permanent residents of West Bengal who are already covered under the Swasthya Sathi Scheme but are not covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). It also leverages the digital infrastructure of AB PM-JAY to ensure transparent and efficient delivery of healthcare services.
The Department of Health & Family Welfare, Government of West Bengal, is the nodal department for the scheme, while the State Health Agency, West Bengal has been entrusted with its implementation.
Mukhya Mantri Swasthya Bima Yojana 2026 Overview
| Particular | Details |
| Scheme Name | Mukhya Mantri Swasthya Bima Yojana (MMSBY) |
| State | West Bengal |
| Notification No. | HF/O/SS/ABPMJAY/MMSBY/447/217 |
| Notification Date | 25 July 2026 |
| Health Insurance Cover | ₹5 lakh per family per year |
| Benefit Type | Cashless Health Insurance |
| Coverage Type | Family Floater |
| Family Size Limit | No Limit |
| Health Card | Individual card issued free of cost |
| Eligible Beneficiaries | Swasthya Sathi beneficiaries not covered under AB PM-JAY |
| Nodal Department | Department of Health & Family Welfare |
| Implementing Agency | State Health Agency, West Bengal |
| Hospital Network | AB-PMJAY Empanelled Hospitals |
| Registration Status | Yet to be announced |
| Official Health & Family Welfare Department | https://www.wbhealth.gov.in/ |
What is Mukhya Mantri Swasthya Bima Yojana (MMSBY)?
Mukhya Mantri Swasthya Bima Yojana (MMSBY) is a state-funded health protection scheme launched by the Government of West Bengal to ensure that eligible residents receive quality medical treatment without facing financial hardship. The scheme offers cashless health insurance of up to ₹5 lakh per family annually, helping families manage hospitalisation expenses and the cost of medical treatment.
The scheme is among the Latest West Bengal Government Schemes introduced to expand affordable healthcare and strengthen financial protection for eligible families.
Objectives of Mukhya Mantri Swasthya Bima Yojana
The Government of West Bengal has introduced MMSBY with the objective of improving access to healthcare while reducing the financial burden of medical treatment. The scheme aims to:- Protect eligible families from financial hardship arising due to illness and adverse health conditions.
- Ensure access to quality healthcare services for eligible residents.
- Provide completely cashless treatment through authorised hospitals.
- Cover pre-existing diseases without imposing additional financial burden.
- Promote transparent healthcare delivery through a digital monitoring system.
- Extend health protection to eligible Swasthya Sathi beneficiaries who are outside the coverage of AB PM-JAY.
West Bengal Mukhya Mantri Swasthya Bima Yojana Benefits
Eligible beneficiaries can avail several healthcare benefits under MMSBY, including:- Cashless health insurance coverage of up to ₹5 lakh per family every year.
- Family floater insurance with no restriction on the number of eligible family members.
- Individual health cards issued free of cost to every eligible beneficiary.
- Coverage for all pre-existing diseases.
- Cashless treatment at all hospitals empanelled under AB PM-JAY.
- No premium payable by eligible beneficiaries.
- Secure beneficiary verification through Aadhaar-based authentication.
- Digital monitoring using the AB PM-JAY technology platform for faster and more transparent service delivery.
Key Features of Mukhya Mantri Swasthya Bima Yojana
The official notification highlights several important features that distinguish MMSBY from other government health insurance schemes.Comprehensive Cashless Protection
- Provides cashless health insurance of ₹5 lakh per family per year.
- Coverage is available on a family floater basis.
- The scheme operates entirely on a cashless treatment model.
- Reimbursement of medical expenses is not permitted under the scheme.
Family Floater with Individual Health Cards
- Insurance coverage is provided for the entire eligible family.
- Every eligible beneficiary will receive an individual health card free of cost.
- There is no upper limit on family size.
- The definition of a family will follow the Socio-Economic and Caste Census (SECC) 2011 and the same family definition adopted under AB PM-JAY.
Coverage of Pre-existing Diseases
All pre-existing diseases are covered under the scheme, allowing beneficiaries to receive treatment without exclusions for existing illnesses.Treatment at AB PM-JAY Empanelled Hospitals
- Beneficiaries can receive treatment at all hospitals empanelled under AB PM-JAY.
- Medical procedures and treatment packages will follow the operational guidelines prescribed under Ayushman Bharat PM-JAY, ensuring uniform healthcare standards.
Aadhaar Authentication and ABHA
To ensure transparency and prevent misuse of benefits, the following requirements are mandatory:- Aadhaar authentication during enrolment.
- Aadhaar authentication at hospital admission.
- Aadhaar authentication at hospital discharge.
- Use of ABHA (Ayushman Bharat Health Account) while availing treatment.
Digital Monitoring System
The scheme will be implemented through an IT-enabled platform from the very beginning using:- Beneficiary Identification System (BIS)
- Transaction Management System (TMS)
- Other online infrastructure available under the AB PM-JAY platform
One Government Health Scheme Rule
To prevent duplication of benefits, a beneficiary cannot avail more than one health insurance scheme sponsored by the State Government, Central Government, Public Sector Undertakings, Parastatals or similar government organisations at the same time.Eligibility Criteria for Mukhya Mantri Swasthya Bima Yojana West Bengal
To avail benefits under MMSBY, applicants must satisfy all of the following eligibility conditions:- Be a permanent resident of West Bengal.
- Be enrolled under the Swasthya Sathi Scheme.
- Not be covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
- Fulfil all other eligibility conditions prescribed by the Government of West Bengal.
Who is Not Eligible for Mukhya Mantri Swasthya Bima Yojana?
While MMSBY has been introduced to expand health insurance coverage, certain categories of individuals have been excluded from the scheme. Applicants falling under any of the following categories will not be eligible to receive benefits.| Category | Eligibility Status |
| Family income exceeding ₹8 lakh | Not Eligible |
| Employees or pensioners covered under West Bengal Health Scheme, 2008 | Not Eligible |
| Employees or pensioners covered under Central Government Health Scheme (CGHS), 1954 | Not Eligible |
| Employees or pensioners covered under the Employees' State Insurance (ESI) Scheme | Not Eligible |
| Employees or pensioners covered under any Group Medical Insurance Scheme operated by Central/State Public Sector Undertakings, Urban Local Bodies, Statutory Bodies, Statutory Corporations, Trusts, Societies or Boards under Government control | Not Eligible |
| State Government or Central Government employees or pensioners drawing Medical Allowance as per Government rules | Not Eligible |
| Family members above 70 years of age, as they are already covered under the Ayushman Vaya Vandana Scheme | Not Eligible |
| Persons whose names have been deleted under SIR due to absentee, deceased, shifted or duplicate records | Not Eligible |
| Any other category notified by the Government of West Bengal from time to time | Not Eligible |
Special Provision for Pending CAA/SIR Cases
The Government has also provided a special relaxation for certain applicants. Individuals whose applications are pending before a competent authority under the Citizenship (Amendment) Act (CAA) or before an SIR Adjudication Tribunal will not be excluded from the scheme solely because of their pending status. However, they must fulfil all other eligibility conditions prescribed under the Mukhya Mantri Swasthya Bima Yojana.How to Apply for Mukhya Mantri Swasthya Bima Yojana?
The Government of West Bengal has officially notified the MMSBY scheme; however, the registration and enrolment process has not yet been announced. Detailed operational guidelines, beneficiary enrolment procedures and card issuance process will be released separately by the Department of Health & Family Welfare and the State Health Agency, West Bengal.Once the Government publishes the application process, eligible residents are expected to be able to enrol through the authorised channels notified by the State Government. This article will be updated as soon as the official registration process becomes available.
Once the registration process is notified, eligible beneficiaries may also be able to verify their eligibility or access beneficiary-related services through the official PM-JAY Beneficiary Portal, wherever applicable under the scheme implementation framework.
MMSBY is a health protection scheme launched by the Government of West Bengal to provide cashless health insurance coverage of up to ₹5 lakh per family per year to eligible beneficiaries.
Q2. Who can apply for MMSBY?
Permanent residents of West Bengal who are covered under the Swasthya Sathi Scheme, not covered under AB PM-JAY, and satisfy all other eligibility conditions prescribed by the Government can avail the benefits of the scheme.
Q3. How much health insurance is available under the scheme?
Eligible families will receive cashless health insurance coverage of up to ₹5 lakh per year on a family floater basis.
Q4. Is there any limit on the number of family members covered?
No. The scheme does not impose any cap on family size. The family definition will follow the SECC 2011 data and the definition adopted under AB PM-JAY.
Q5. Are pre-existing diseases covered?
Yes. All pre-existing diseases are covered under the scheme.
Q6. Is any premium payable by beneficiaries?
Documents Required for Mukhya Mantri Swasthya Bima Yojana
The Government has not yet released the official list of documents. However, applicants may keep the following documents ready once the registration process begins:- Aadhaar Card
- Mobile Number
- Address Proof
- Swasthya Sathi details
- Family details
- Passport-size Photograph
- Any additional documents notified by the Government
Implementing Department
The Department of Health & Family Welfare, Government of West Bengal has been designated as the nodal department for the implementation of the scheme. The State Health Agency, West Bengal will function as the implementing agency and oversee execution of the programme. Beneficiaries should refer to the Department of Health & Family Welfare, Government of West Bengal for future notifications, operational guidelines and registration updates.Important Dates for MMSBY West Bengal
| Event | Date |
| Cabinet Approval (Vide No. 99) | 22 July 2026 |
| Government Notification Issued | 25 July 2026 |
| Memo Number | HF/O/SS/ABPMJAY/MMSBY/447/217 |
| Registration Begins | Yet to be announced |
Official Website
| Purpose | Official Website |
| Department of Health & Family Welfare, Government of West Bengal | https://www.wbhealth.gov.in/ |
| PM-JAY Beneficiary Portal | https://beneficiary.nha.gov.in/ |
Frequently Asked Questions (FAQs) on MMSBY
Q1. What is Mukhya Mantri Swasthya Bima Yojana (MMSBY)?MMSBY is a health protection scheme launched by the Government of West Bengal to provide cashless health insurance coverage of up to ₹5 lakh per family per year to eligible beneficiaries.
Q2. Who can apply for MMSBY?
Permanent residents of West Bengal who are covered under the Swasthya Sathi Scheme, not covered under AB PM-JAY, and satisfy all other eligibility conditions prescribed by the Government can avail the benefits of the scheme.
Q3. How much health insurance is available under the scheme?
Eligible families will receive cashless health insurance coverage of up to ₹5 lakh per year on a family floater basis.
Q4. Is there any limit on the number of family members covered?
No. The scheme does not impose any cap on family size. The family definition will follow the SECC 2011 data and the definition adopted under AB PM-JAY.
Q5. Are pre-existing diseases covered?
Yes. All pre-existing diseases are covered under the scheme.
Q6. Is any premium payable by beneficiaries?
No. Eligible beneficiaries are not required to pay any premium to receive health insurance benefits under MMSBY.
Q7. Can beneficiaries claim reimbursement for treatment expenses?
No. The scheme provides only cashless treatment. Reimbursement of medical expenses is not permitted.
Q8. Where can beneficiaries receive treatment?
Treatment will be available at all hospitals empanelled under AB PM-JAY, and medical packages will follow the operational guidelines prescribed under the programme.
Q7. Can beneficiaries claim reimbursement for treatment expenses?
No. The scheme provides only cashless treatment. Reimbursement of medical expenses is not permitted.
Q8. Where can beneficiaries receive treatment?
Treatment will be available at all hospitals empanelled under AB PM-JAY, and medical packages will follow the operational guidelines prescribed under the programme.
Q9. Is Aadhaar mandatory under MMSBY?
Yes. Aadhaar-based authentication is mandatory during enrolment, hospital admission and discharge. Beneficiaries must also use their ABHA (Ayushman Bharat Health Account) while availing treatment.
Q10. Has the online registration process started?
No. The Government has notified the scheme, but the registration and enrolment process has not yet been announced.
Yes. Aadhaar-based authentication is mandatory during enrolment, hospital admission and discharge. Beneficiaries must also use their ABHA (Ayushman Bharat Health Account) while availing treatment.
Q10. Has the online registration process started?
No. The Government has notified the scheme, but the registration and enrolment process has not yet been announced.
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