Mukh Mantri Sehat Yojana (MMSY) Punjab: A Guide

The Punjab government provides health coverage to its residents through the Mukh Mantri Sehat Yojana (MMSY). This scheme represents a significant expansion of the state's health insurance program, which was previously known as the Ayushman Bharat - Sarbat Sehat Bima Yojana (AB-SSBY).

Under MMSY, the state has moved towards universal health coverage, making all bona fide residents of Punjab eligible for benefits. The scheme provides a substantial cashless health cover of ₹10 lakh per family per year, an increase from the previous ₹5 lakh limit. This guide provides detailed information on the scheme's coverage, eligibility criteria, enrolment process, and its integration with the national Ayushman Bharat PM-JAY program.

Mukh Mantri Sehat Yojana (MMSY): At a Glance

• Coverage Amount — ₹10 lakh per family per year (floater basis)
• Scheme Update — Renamed from AB-SSBY and made universal in January 2026
• Implementing Agency — State Health Agency (SHA), Punjab
• State Helpline — 104
• National Helpline — 14555

Rates shown are as per the State Health Agency (SHA), Punjab (2024) and are subject to periodic revision. Always verify the latest approved rates on the official source.

What Does the Mukh Mantri Sehat Yojana Cover?

The Mukh Mantri Sehat Yojana offers a significant financial cushion against medical expenses by providing cashless health coverage of up to ₹10 lakh per family per year. This coverage operates on a floater basis, meaning the entire sum can be used by one or more members of the family for various treatments throughout the year.

The scheme covers over 2,000 treatment packages, focusing on secondary and tertiary care hospitalization. A key feature is that it covers pre-existing diseases from the very first day of enrolment, without any waiting period. Additionally, the scheme's benefits include expenses incurred during hospitalization as well as costs related to pre-hospitalization and post-hospitalization care.

• **Hospitalization Expenses:** Covers costs for secondary and tertiary care treatments.
• **Major Surgeries:** Includes complex procedures such as cardiac surgery, cancer treatment, neurosurgery, and orthopaedic surgeries.
• **Chronic Conditions:** Covers treatments like dialysis, including chronic haemodialysis, which is a frequently availed service.
• **Maternal Healthcare:** Provides coverage for maternal health, including Caesarean deliveries.
• **Pre-existing Diseases:** All pre-existing conditions are covered from day one.
• **Pre-hospitalization:** Covers expenses for diagnostics and medicines for up to 3 days before admission.
• **Post-hospitalization:** Covers costs for medicines and follow-up diagnostics for up to 15 days after discharge.

Who is Eligible for the MMSY Scheme?

A major update to the scheme in January 2026 was the introduction of universal eligibility. Under the Mukh Mantri Sehat Yojana, all bona fide residents of Punjab are eligible for the scheme's benefits, regardless of their income level. This includes government employees and pensioners, extending the health safety net to the entire population of the state.

This is a significant change from the previous iteration, the Ayushman Bharat - Sarbat Sehat Bima Yojana (AB-SSBY). Formerly, eligibility was restricted to specific categories of the population. These categories included families identified in the Socio-Economic and Caste Census (SECC) 2011, holders of Smart Ration Cards, farmers with "J-form" documentation, registered construction workers, small traders, and accredited journalists. The new universal approach simplifies access and ensures all residents can benefit from the ₹10 lakh coverage.

How to Enrol and Get Your Sehat Card

Enrolment for the Mukh Mantri Sehat Yojana is an entitlement-based process. This means that all eligible residents can have a health card generated to access the scheme's benefits. The card, known as the "Sehat Card," is the primary document required to avail cashless services at empanelled hospitals.

Beneficiaries can get their physical or digital e-card through multiple channels. The process is designed to be accessible to everyone across the state.

• **Online Portals:** You can generate your card using the national 'Ayushman App' on your smartphone or by visiting the official beneficiary portal at beneficiary.nha.gov.in.
• **Empanelled Hospitals:** Helpdesks are set up at all empanelled government and private hospitals where you can get your card made.
• **Service Centres:** Common Service Centres (CSCs), also known as Sewa Kendras, are equipped to handle card generation.
• **Special Camps:** The government periodically organizes special registration camps in various localities to facilitate enrolment.
• **Documents Required:** The Aadhaar Card is the main document needed for identity and residency verification. A Voter ID may also be used. For children under 18, a birth certificate can be submitted along with their Aadhaar card.

How MMSY Works with Ayushman Bharat PM-JAY

The Mukh Mantri Sehat Yojana is the state-level implementation that has merged with and expanded upon the central government's Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY). While they work together, there are key differences in funding and portability.

The funding structure depends on the beneficiary category. For families who were originally eligible under PM-JAY (those identified in the SECC 2011 database), the premium for the base coverage of ₹5 lakh is shared between the Central and State governments in a 60:40 ratio. However, the cost for all other beneficiaries covered under Punjab's universal expansion, as well as the additional coverage amount from ₹5 lakh to ₹10 lakh for all beneficiaries, is borne entirely by the Punjab state government.

This integration affects the portability of benefits. Beneficiaries who fall under the PM-JAY category can avail cashless treatment up to ₹5 lakh at any empanelled hospital across India. The expanded state benefit of ₹10 lakh is available for use within the network of empanelled hospitals in Punjab and Chandigarh.

Using the MMSY Sehat Card at Punjab Hospitals

The scheme is designed to be completely cashless and paperless at the point of service, ensuring a smooth experience for the beneficiary during a medical emergency. To use the scheme, you must present your Sehat Card (physical or digital) at an empanelled hospital.

The hospital's helpdesk will have a designated 'Arogya Mitra' who will verify your identity and eligibility using your card and Aadhaar details. Once your details are confirmed in the system, the hospital will proceed with the necessary pre-authorisation for the treatment. The patient is not required to pay any money for covered procedures up to the ₹10 lakh limit. The hospital settles the bill directly with the insurance provider or the State Health Agency.

The network of empanelled hospitals includes all government hospitals in the state and a large number of private hospitals located across Punjab and in Chandigarh. A complete and updated list of these hospitals can be found on the official website of the State Health Agency (SHA), Punjab.

Frequently Asked Questions

What is the coverage amount under the Mukh Mantri Sehat Yojana in Punjab?

The scheme provides cashless health coverage of ₹10 lakh per family per year on a floater basis. This means the total amount can be used by one or more members of the family.

Is there an income limit to be eligible for MMSY?

No, there is no income limit. As of January 2026, the Mukh Mantri Sehat Yojana offers universal coverage to all bona fide residents of Punjab, including government employees and pensioners.

Are pre-existing illnesses covered under the Punjab health scheme?

Yes, one of the key benefits of the Mukh Mantri Sehat Yojana is that it covers pre-existing diseases from day one of enrolment, with no waiting period.

What is the difference between MMSY and the old Sarbat Sehat Bima Yojana?

The main differences are the eligibility and coverage amount. MMSY provides universal coverage to all Punjab residents, whereas the old scheme was for specific categories. The coverage has also been increased from ₹5 lakh to ₹10 lakh per family per year.

Can I use my Punjab Sehat Card for treatment in other states?

Portability depends on your beneficiary category. If you are eligible under the national PM-JAY (SECC 2011 list), you can avail cashless treatment up to ₹5 lakh at empanelled hospitals across India. The full ₹10 lakh coverage is for use within the network of hospitals in Punjab and Chandigarh.

What documents are required to get an MMSY Sehat Card?

The primary document for verification is your Aadhaar Card. A Voter ID can also be used. For minors, a birth certificate can be used in conjunction with their Aadhaar card.

Related

• Government hospital OPD guides in Punjab
• How to find an Ayushman Bharat (PM-JAY) hospital near you
• Government health schemes in India: a guide
• Ayushman Bharat PM-JAY eligibility check

Medical Disclaimer

The information provided in this article is for general informational and educational purposes only. It is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read in this article.