West Bengal government scheme · Health & Family Welfare Department, Government of West Bengal

Mukhyamantri Swasthya Bima Yojana

Also called MMSBY · Formerly Swasthya Sathi

Mukhyamantri Swasthya Bima Yojana is run by the Health & Family Welfare Department, Government of West Bengal. It provides state-paid cashless hospital cover for West Bengal families not eligible for the central Ayushman Bharat PM-JAY scheme. The scheme is for permanent residents of West Bengal covered under Swasthya Sathi who are not eligible for Ayushman Bharat PM-JAY, with an annual family income up to ₹8 lakh, provided they are not covered by WBHS 2008, CGHS, or ESI, and are not government employees or pensioners drawing a medical allowance or group medical insurance. Beneficiaries receive cashless hospital treatment up to ₹5 lakh per family per year, with no family size limit and pre-existing illnesses covered from day one. When the scheme was notified, the enrolment process had not yet been announced, and citizens were advised to ask at the nearest government hospital or block office how to get covered.

Written by AI from the official details below.

Who can apply for MMSBY

  • Permanent residents of West Bengal covered under Swasthya Sathi who are not eligible for Ayushman Bharat PM-JAY.
  • Annual family income up to ₹8 lakh.
  • Not covered by WBHS 2008, CGHS or ESI, and not a government employee or pensioner drawing a medical allowance or group medical insurance.
  • Family members aged 70 or over are covered under Ayushman Vay Vandana instead.
  • People deleted during the 2026 electoral roll revision (SIR) are excluded.

MMSBY benefits

  • Cashless hospital treatment up to ₹5 lakh per family per year, shared by the whole family.
  • No limit on family size.
  • Pre-existing illnesses covered from the first day.
  • Treatment at government hospitals and PM-JAY empanelled private hospitals.
  • Bills paid out of pocket are not reimbursed.

How to apply for MMSBY

  1. The scheme was launched on 16 August 2026 alongside Ayushman Bharat PM-JAY.
  2. When it was notified, the enrolment process had not yet been announced. Ask at the nearest government hospital or block office how to get covered.

Where it applies

Checked

Checked against the sources below on 16 October 2026. Rules change, so confirm on the official site before you apply.

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