Punjab Mukhyamantri Sehat Yojana

Scheme Introduction: A Brief Overview

The Punjab Mukhyamantri Sehat Yojana (MMSY) is a flagship healthcare initiative launched by Punjab Chief Minister Bhagwant Mann to provide comprehensive health insurance coverage to every resident of Punjab. The scheme aims to ensure that no family is deprived of quality medical treatment due to financial constraints by offering cashless healthcare services at government and empanelled private hospitals across the state. Under this scheme, eligible beneficiaries can receive cashless treatment worth up to Rs. 10 lakh per family per year through a dedicated Mukhyamantri Sehat Yojana Health Card.

The scheme is an expanded and upgraded version of the earlier Mukhyamantri Sehat Bima Yojana, under which eligible families received annual health coverage of up to Rs. 5 lakh. With the introduction of the Punjab Mukhyamantri Sehat Yojana, the state government doubled the health insurance cover to Rs. 10 lakh and significantly widened the scope of beneficiaries. Unlike many welfare schemes that are restricted to specific income groups, the Mukhyamantri Sehat Yojana has been designed to provide universal health coverage to Punjab residents without any income limit. The benefits are available to ordinary families, government employees, pensioners, and several newly included categories of beneficiaries.

The Mukhyamantri Sehat Yojana covers more than 2,300 medical treatment packages, including major surgeries, critical illness treatment, hospitalisation expenses, and care for pre-existing diseases. Beneficiaries can avail treatment at government hospitals as well as empanelled private hospitals across Punjab and Chandigarh. The scheme also provides coverage for pre-hospitalisation and post-hospitalisation expenses, ensuring comprehensive medical support for patients and their families.

To further strengthen healthcare access, the Punjab Government has recently expanded the scheme by approving 17 additional treatment procedures in private hospitals and enhancing the overall cashless treatment facility. The latest expansion also extends coverage to senior citizens, individuals living alone, and parents whose children have permanently settled abroad. These additions are expected to bring thousands of previously uncovered residents under the ambit of the scheme and improve healthcare security for vulnerable sections of society.

To avail the benefits, eligible residents must obtain a Mukhyamantri Sehat Yojana Health Card through designated registration centres such as Common Service Centres (CSCs), Sewa Kendras, and government registration camps. Once enrolled, beneficiaries can use their health card to access cashless treatment at empanelled hospitals without paying medical expenses out of pocket. Through this ambitious healthcare initiative, the Punjab Government aims to provide affordable, accessible, and quality healthcare services to every family in the state while reducing the financial burden caused by medical emergencies.

Punjab Mukhyamantri Sehat Yojana Statistics and Coverage

The Mukhyamantri Sehat Yojana has emerged as one of the largest healthcare initiatives in Punjab. Through cashless treatment facilities and an extensive network of empanelled hospitals, the scheme has already benefited millions of residents across the state. According to official figures, the scheme has achieved the following milestones:

• 65 lakh+ families targeted for health coverage.
• 39.50 lakh+ families enrolled under the scheme.
• 12.58 lakh+ beneficiaries have received treatment since 2019.
• Rs. 1,299 crore+ worth of treatments have been provided to beneficiaries.
• 900+ government and private hospitals have been empanelled under the scheme.
• Eligible families can avail cashless treatment up to Rs. 10 lakh annually.

Who Can Get Benefits Under Mukhyamantri Sehat Yojana?

• All eligible Punjab residents.
• Government employees.
• Pensioners.
• Senior citizens.
• Individuals living alone.
• Parents whose children have settled abroad.
• Families registered under eligible health coverage databases.

Scheme Benefits

• Cashless medical treatment of up to Rs. 10 lakh per family per year.
• Coverage of more than 2,300 treatment packages, including major surgeries, critical illnesses, and specialised medical procedures.
• Treatment facilities available at government hospitals as well as empanelled private hospitals across Punjab and Chandigarh.
• Health coverage for all eligible family members through a single Mukhyamantri Sehat Yojana Health Card.
• Coverage for pre-existing diseases without any waiting period, subject to scheme guidelines.
• Three days of pre-hospitalisation expenses and fifteen days of post-hospitalisation expenses are also covered.
• No income limit for availing scheme benefits, making it one of the largest universal healthcare initiatives in Punjab.
• Government employees and pensioners are eligible to receive benefits under the scheme.
• Senior citizens are covered under the expanded Mukhyamantri Sehat Yojana benefits.
• Individuals living alone can also avail health insurance coverage under the scheme.
• Parents whose children have permanently settled abroad are now eligible for healthcare benefits under the scheme.
• The Punjab Government has approved 17 additional medical procedures in empanelled private hospitals, expanding treatment options for beneficiaries.
• Beneficiaries can receive treatment without making any upfront payment at empanelled hospitals.
• Financial protection against high medical expenses and emergency hospitalisation costs.
• Improved access to quality healthcare services for families residing in both urban and rural areas of Punjab.

Eligibility Requirement

To avail cashless treatment benefits under the Punjab Mukhyamantri Sehat Yojana (MMSY), applicants must satisfy the eligibility conditions prescribed by the Punjab Government. The scheme has been designed to provide healthcare coverage to a wider section of society and now includes several additional beneficiary categories.

• Applicants must be a permanent residents of Punjab.
• Families registered under eligible state health insurance databases can avail benefits under the scheme.
• Government employees and pensioners of the Punjab Government are eligible.
• Senior citizens residing in Punjab are eligible for health coverage under the expanded scheme.
• Individuals living alone can also receive benefits under the Mukhyamantri Sehat Yojana.
• Parents whose children have permanently settled abroad are eligible to avail healthcare benefits under the scheme.
• All eligible family members included in the registered household records can receive treatment benefits.
• Beneficiaries must possess a valid Mukhyamantri Sehat Yojana Health Card or complete the registration process prescribed by the State Health Agency, Punjab.

Required Documents

Applicants may be required to submit the following documents while registering for the Punjab Mukhyamantri Sehat Yojana Health Card:

• Aadhaar Card of the applicant and family members.
• Voter Identity Card (EPIC).
• Mobile Number linked with Aadhaar.
• Family ID / Parivar Identification details, if applicable.
• Ration Card or other family identification document, wherever required.
• Recent passport-size photograph.
• Proof of Punjab residence.
• For children: Aadhaar Card (if available), Birth Certificate, and parents' identity documents.
• For senior citizens: Age proof such as Aadhaar Card, Voter ID Card, or any government-issued document showing date of birth.
• For parents whose children are settled abroad: Additional supporting documents may be required as prescribed by the competent authority during registration.

Steps to Apply

The Punjab Government has started the registration process for the Mukhyamantri Sehat Yojana through Sehat Mitras and Common Service Centres (CSCs). Eligible residents can obtain their Sehat Card by completing the registration process outlined below:

• A government-appointed Sehat Mitra may visit your home and provide an appointment slip for registration.
• Alternatively, eligible beneficiaries can visit their nearest Common Service Centre (CSC) with the appointment slip and required documents.
• The applicant or any eligible family member must be a resident of Punjab and carry valid identity documents for verification.
• At the registration centre, the operator will verify the applicant's details and complete the enrollment process.
• After successful registration, beneficiaries will receive a confirmation SMS regarding their enrollment and eligibility status.
• The Mukhyamantri Sehat Yojana Health Card (Sehat Card) will be issued and distributed through the designated CSC.
• As per the official process, beneficiaries can collect their Sehat Card from the nearest CSC within 2 to 3 weeks of successful registration, or download it online.
• Once the Sehat Card is received, beneficiaries can avail cashless treatment of up to Rs. 10 lakh at government and empanelled private hospitals under the scheme.

How to Get Mukhyamantri Sehat Yojana Health Card Online and Offline?

Eligible beneficiaries can get their Punjab Mukhyamantri Sehat Yojana Card online and offline, whose process is shared below:

Online Process to Download Mukhyamantri Sehat Yojana Health Card

• Visit the official Punjab State Health Agency beneficiary search portal to download your Mukhyamantri Sehat Yojana Card online.
• From the home page, click on the "Download Health Card" Link
  
• Select any one of the available options to search for your Sehat Card:
  • Family ID,
  • Health Card Number,
  • Mobile Number, or
  • Aadhaar Number.
    
• Enter the required details based on your selected search option.
• Complete the Security Check by entering the answer to the displayed question.
• Click on the Search button to find your Mukhyamantri Sehat Yojana beneficiary record.
• Once your beneficiary details appear, proceed with the OTP verification process.
• Enter the OTP sent to your registered mobile number and complete the verification.
• After successful verification, your Mukhyamantri Sehat Yojana Health Card will be available for download.
• Click on the Download Card option to download your Sehat Card.
• The Sehat Card will be downloaded in PDF format.
• Save the downloaded Sehat Card on your mobile phone or take a printout to use it while availing cashless treatment under the scheme.

Beneficiaries who have already completed their registration can therefore use the online facility to access their Sehat Card, while applicants who have not yet enrolled under the scheme should complete the prescribed registration and verification process first.

Offline Process to Get Sehat Card

• First, complete your Mukhyamantri Sehat Yojana registration through a Common Service Centre (CSC), Sewa Kendra, registration camp, or Sehat Mitra.
• After successful verification, you will receive a confirmation SMS on your registered mobile number.
• The Sehat Card will be generated by the concerned authorities and made available through the designated Common Service Centre (CSC).
• Beneficiaries can collect their Mukhyamantri Sehat Yojana Sehat Card from the nearest CSC where the registration was completed.
• According to the official registration process, the Sehat Card is generally distributed within 2 to 3 weeks after successful enrollment.
• Once received, beneficiaries can use the Sehat Card to avail cashless treatment at empanelled government and private hospitals under the scheme.

Punjab Mukhyamantri Sehat Yojana Hospital List

Beneficiaries of the Punjab Mukhyamantri Sehat Yojana (MMSY) can avail cashless treatment at empanelled government and private hospitals under the scheme. The Punjab Government and the National Health Authority regularly update the list of empanelled hospitals; therefore, beneficiaries should always check the latest hospital list before seeking treatment.

• More than 900 government and private hospitals have been empanelled under the scheme.
• Cashless treatment facilities are available at empanelled hospitals across Punjab and Chandigarh.
• Beneficiaries can receive treatment only at hospitals approved under the Mukhyamantri Sehat Yojana network.
• The list of empanelled hospitals is updated periodically by the concerned authorities.
• Before admission, beneficiaries should confirm that the hospital is currently empanelled under the scheme.

How to Check Mukhyamantri Sehat Yojana Hospital List?

• Visit the official Punjab State Health Agency (SHA) Portal.
• Navigate to the Hospitals section available on the website.
• Select the option for Empanelled Hospitals.
• The latest list of hospitals empanelled under the Mukhyamantri Sehat Yojana will be displayed in PDF format.
• You can download the PDF to your device or browse through the list online.
• Check the hospital name, district, address, and other details before visiting for treatment.

Beneficiaries can also contact the Mukhyamantri Sehat Yojana Helpline Number 104 for assistance in locating the nearest empanelled hospital and obtaining information about treatment facilities available under the scheme.

How to Use Mukhyamantri Sehat Yojana Sehat Card?

After receiving the Mukhyamantri Sehat Yojana (MMSY) Sehat Card, beneficiaries can use it to avail cashless medical treatment at empanelled hospitals. The Punjab Government has established a simple verification process to ensure eligible beneficiaries receive treatment without making any upfront payment. Follow the steps below to use your Sehat Card:

• Visit any empanelled government hospital or private hospital covered under the Mukhyamantri Sehat Yojana.
• Present your Mukhyamantri Sehat Yojana Sehat Card at the hospital help desk or registration counter.
• The hospital authorities will digitally verify your identity and eligibility through the scheme portal.
• After successful verification, you can avail cashless treatment up to your eligible coverage limit under the scheme.
• The approved treatment cost will be settled directly between the hospital and the State Health Agency, eliminating the need for beneficiaries to make advance payments.

Beneficiaries should carry their Sehat Card and a valid identity document while visiting an empanelled hospital to ensure smooth verification and admission under the scheme.

Relevant Links

• Punjab State Health Agency Website
• Punjab Mukhyamantri Sehat Yojana Card Download Online
• Punjab Mukhyamantri Sehat Yojana Online Eligibility Check.
• Mukhyamantri Sehat Yojana List of Empanelled Hospitals.

Contact Information

• State Health Agency Punjab Helpline Number: 104