West Bengal Mukhyamantri Swasthya Bima Yojana

Scheme Introduction: A Brief Overview

West Bengal Mukhyamantri Swasthya Bima Yojana (MMSBY) is a health insurance scheme launched by the Government of West Bengal to provide cashless medical treatment of up to ₹5 lakh per family every year. The scheme was officially launched in the state on 16 August 2026 to provide health insurance protection to eligible permanent residents of West Bengal who are not covered under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), subject to the prescribed eligibility conditions. Earlier, the Mukhyamantri Swasthya Bima Yojana was known as the Swasthya Sathi Scheme and has been renamed by the current government.

Under the Mukhyamantri Swasthya Bima Yojana, eligible families will receive cashless health insurance coverage of up to ₹5 lakh every year. The MMSBY West Bengal provides treatment at all AB PM-JAY empanelled hospitals, free individual health cards, no restriction on family size under the family floater plan, and coverage for pre-existing diseases from the first day without any waiting period.

The Mukhyamantri Swasthya Yojana has been introduced to reduce the financial burden of hospitalisation and improve access to quality healthcare for eligible residents of West Bengal. By extending cashless treatment through the AB PM-JAY hospital network, beneficiaries will be able to receive medical treatment at empanelled hospitals without paying eligible hospitalisation expenses.

The Mukhyamantri Swasthya Bima Yojana is now operational in West Bengal, and beneficiaries can check their eligibility and scheme status through the official State Health Authority portal. The official process allows beneficiaries to check their applicable scheme and status using their Aadhaar number through the Citizen Services.

For MMSBY, eligible RKSY-1 families are processed through pre-filled forms, field verification by Field-Level Workers (FLWs), followed by digitisation and verification by Extension Officers. Beneficiaries who have a valid Swasthya Sathi URN but whose Aadhaar is not found under the AAY, SPHH, PHH or RKSY1 categories can follow the specified online application process. After OTP authentication, the portal displays family details and eligibility status, and eligible applicants can apply online for MMSBY. The application is then sent for field verification and subsequent digitisation and verification before the final eligibility decision.

Scheme Benefits

• Cashless health insurance coverage of up to ₹5 lakh per family every year.
• Cashless treatment at all hospitals empanelled under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
• Individual health cards will be issued free of cost to eligible beneficiaries.
• No restriction on family size under the family floater health insurance plan.
• Coverage for pre-existing diseases from the first day without any waiting period.
• Nationwide portability for treatment across India.
• Financial protection against hospitalisation and major medical expenses.

Eligibility Requirements

• The applicant must be a permanent resident of West Bengal.
• The applicant or family should be covered under the Swasthya Sathi Scheme.
• The applicant or family should not be covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).

Ineligibility Criteria

• Families having annual income exceeding ₹8 lakh.
• Employees or pensioners covered under the West Bengal Health Scheme, 2008.
• Employees or pensioners covered under the Central Government Health Scheme (CGHS).
• Employees or pensioners covered under the Employees' State Insurance (ESI) Scheme.
• Employees or pensioners covered under any Group Medical Insurance Scheme operated by Central or State PSUs, Urban Local Bodies, Statutory Bodies, Corporations, Trusts, Societies, Boards or similar Government-controlled organisations.
• State Government, Central Government or Parastatal employees and pensioners receiving medical allowance under Government rules.
• Family members above 70 years of age who are covered under the Ayushman Vay Vandana Scheme.
• SIR deleted names, including absentee, deceased, shifted and duplicate records.
• Any other category notified by the Government of West Bengal from time to time.

Required Documents

As per beneficiary verification guidance from the West Bengal Health & Family Welfare Department, the following documents are used for Mukhyamantri Swasthya Bima Yojana verification and enrolment.

• Aadhaar card of the applicant and family members.
• Registered mobile number of the family.
• Family or household details.
• Identity and address proof.
• Existing Swasthya Sathi card, where applicable.
• AB-PMJAY beneficiary information or card, where applicable.
• Any other document prescribed by the competent authority.

How to Check Mukhyamantri Swasthya Bima Yojana Beneficiary Status

Eligible residents can check their Mukhyamantri Swasthya Bima Yojana eligibility status directly through the West Bengal State Health Agency's official portal, using their Aadhaar number.

Aadhaar-Based Eligibility Check

1. Visit the official West Bengal State Health Agency Portal.
2. Go to Citizen Services and select PM-JAY Eligibility Check.
3. Enter your Aadhaar number as prompted.
4. If your Aadhaar is linked to a ration card under the AAY, SPHH or PHH category, the portal will show your AB-PMJAY status, including the card number if already activated.
5. If your Aadhaar is linked to a ration card under the RKSY1 category, the portal will show your Mukhyamantri Swasthya Bima Yojana status in the same way.
6. If verification is still in progress, the portal will inform you that your case is under verification.

If You Are Not Found Under Any Ration Card Category

Beneficiaries who hold a valid Swasthya Sathi URN but whose Aadhaar is not found under the AAY, SPHH, PHH or RKSY1 categories can still check their status on the same portal.

1. Enter your Swasthya Sathi URN on the portal.
2. An OTP is sent to the registered mobile number of the Swasthya Sathi main beneficiary for authentication.
3. After OTP verification, a form showing all family members and their current AB-PMJAY/MMSBY eligibility is displayed.
4. If any family member does not have an ABHA ID, their Aadhaar number must be entered to generate one.

Steps to Apply

West Bengal Mukhyamantri Swasthya Bima Yojana enrolment currently works mainly through field verification, alongside a limited online application option for a specific category of beneficiaries, as confirmed by the West Bengal Health & Family Welfare Department.

Current Enrolment Process

1. Eligible families are identified from the NFSA ration card database, the RKSY1 category for Mukhyamantri Swasthya Bima Yojana.
2. Pre-filled forms for these families are physically verified by Field-Level Workers (FLWs).
3. Verified forms are passed to Data Entry Operators and Extension Officers for digitisation and eligibility verification.
4. Once verified, the Mukhyamantri Swasthya Bima Yojana health card, also known as the Swasthya Sathi Card, is activated for the family.

MMSBY West Bengal Apply Online (Swasthya Sathi URN Holders Not Found in the Database)

Mukhyamantri Swasthya Bima Yojana online application or enrollment form can be submitted by following the process given below: -

1. For MMSBY West Bengal Apply Online, visit the official State Health Authority portal.
2. From the home page, select the MMSBY Enrollment link available under the "Citizen Services".
3. Now enter your Aadhaar number, and the system sends an OTP to the registered mobile number.
4. After successful authentication, the portal displays the details of all family members along with their current eligibility or status under PM-JAY and MMSBY.
5. If an ABHA ID is not available for any family member, provide the Aadhaar number of that family member as required by the portal so that the ABHA ID can be generated.
6. If the Aadhaar is not found in the AAY, SPHH, PHH or RKSY1 databases, the beneficiary and eligible family members are provided an option to apply online for MMSBY.
7. Submit the online MMSBY application through the option provided on the portal.
8. The submitted online application is forwarded to the Field-Level Worker for field verification.
9. After field verification, the case undergoes digitisation and verification by the Extension Officer.
10. The Extension Officer finally marks the beneficiary as eligible or ineligible for MMSBY.

Enrolment Through Hospital

Beneficiaries can also be enrolled for the MMSBY West Bengal through hospitals empanelled under the scheme.

1. Visit a hospital under the Swasthya Sathi system for treatment.
2. Provide your existing Swasthya Sathi URN and required beneficiary details to the hospital.
3. The hospital can digitise the eligible Swasthya Sathi URN family details during treatment.
4. The digitised information is then processed and verified for MMSBY enrolment.

Relevant Links

• West Bengal Mukhyamantri Swasthya Bima Yojana Portal
• Mukhyamantri Swasthya Bima Yojana West Bengal Apply Online
• West Bengal Mukhyamantri Swasthya Bima Yojana Notification.
• West Bengal Health and Family Welfare Department Portal
• WB Mukhyamantri Swasthya Bima Yojana FAQs
• WB Mukhyamantri Swasthya Bima (Ayushman Bharat Jan Arogya) Beneficiary Status.
• WB Mukhyamantri Swasthya Bima Yojana Health Benefits Package Notice

Contact Information

• WB Mukhyamantri Swasthya Bima Yojana Toll Free Number: 18003455384
• Mukhyamantri Swasthya Bima Yojana Email Helpdesk: shawb.pmjay@gmail,com
• WB Health and Family Welfare Department Phone Number:
  • 33-2357-6000
  • 33-2333-0100
• WB Health and Family Welfare Department Email: [email protected]