AI SummaryMukh Mantri Sehat Yojana (MMSY) is now providing cashless medical treatment up to ₹10 lakh per family per year to all residents of Punjab. The scheme, upgraded and expanded in January 2026 under the Bhagwant Mann government, covers 65 lakh families and nearly 3 crore people across the state. Over 50 lakh e-Health Cards have been issued so far, and beneficiaries have received more than ₹914 crore in cashless treatment.
Punjab has made universal health coverage a reality with this scheme. Unlike the earlier version that covered only 65% of the population, the 2026 upgrade removes all income and category-based restrictions. Every bona fide resident of Punjab can now enrol and get cashless treatment at over 868 empanelled government and private hospitals.
Mukh Mantri Sehat Yojana
Benefits
Mukh Mantri Sehat Yojana offers a cashless health insurance cover of ₹10 lakh per family every year. This benefit applies to secondary and tertiary care hospitalization, including in-patient services, for a wide range of listed diseases and medical conditions. The scheme covers over 2,300 treatment packages, including heart surgeries, cancer treatment, kidney dialysis, knee and hip replacements, brain surgeries, maternity care, ICU care, and trauma care.
Pre-existing diseases are covered from day one, with no waiting period. The scheme also includes 3 days of pre-hospitalization and 15 days of post-hospitalization expenses. For Ayushman Bharat PM-JAY beneficiaries, the first ₹5 lakh is covered nationally, and the additional ₹5 lakh is provided by the Punjab state government.
Insurance cover of ₹1 lakh per family is provided by United India Insurance Company, while the remaining ₹9 lakh is funded directly by the state government through the State Health Agency. Hospitals receive payment within 15 days of submitting claims.
Eligibility
Mukh Mantri Sehat Yojana has universal coverage for all residents of Punjab. There is no income limit, no age restriction, and no occupation-based exclusion. The scheme covers:
- All bona fide residents of Punjab with a valid Aadhaar card and Punjab Voter ID
- Government employees, pensioners, and contractual staff of Punjab government departments
- Families with children below 18 years, covered through parents' or guardians' Voter ID
- Single individuals, including senior citizens, widows, and unmarried persons
The earlier scheme had specific eligibility categories like SECC 2011 families, Smart Ration Card holders, and J-Form farmers. The 2026 upgrade removes all these restrictions and makes the scheme available to every resident of Punjab. You can also check Punjab Smart Ration Card details for related state programs.
Documents Required
Please keep the following documents ready for enrolment:
- Aadhaar Card of all family members (mandatory for verification)
- Punjab Voter ID card for identity and residency proof
- Family details with names and Aadhaar numbers of all members
- Mobile number for OTP verification during registration
For children below 18 years, parents' Voter ID and Aadhaar are sufficient. No income certificate or occupation proof is required.
How to Apply
STEP 1 - Visit the official State Health Agency Punjab portal at sha.punjab.gov.in/shapunjab/index.php and click on the "Check Your Eligibility" link, or download the Ayushman App on your mobile device and self-register using your Aadhaar number.
STEP 2 - Visit the nearest Common Service Centre (CSC) or Sewa Kendra in your area with Aadhaar Card and Punjab Voter ID for all family members. Trained youth club members also conduct door-to-door enrolment campaigns across the state.
STEP 3 - Complete biometric verification using Aadhaar and submit family details including names and Aadhaar numbers of all members. You will receive an SMS confirmation once enrolment is successful.
STEP 4 - Collect your Mukh Mantri Sehat Yojana health card from the CSC within 2 to 3 weeks. The card links to your Aadhaar and serves as your pass for cashless treatment at any empanelled hospital.
| Detail | Information |
|---|---|
| Scheme Name | Mukh Mantri Sehat Yojana (MMSY) |
| Level | State |
| Scheme For | All Punjab Residents |
| Beneficiary State | Punjab |
| Category | Health & Wellness |
| Benefit Amount | ₹10 Lakh per family per year |
| Treatment Packages | 2,300+ |
| Empanelled Hospitals | 868+ |
| Application Mode | Online (Ayushman App) and Offline (CSC / Sewa Kendra) |
| Official Portal | sha.punjab.gov.in/shapunjab/index.php |
| Helpline | 104 |
| Budget Allocation | ₹2,000 crore (Punjab Budget 2026-27) |
| Insurance Partner | United India Insurance Company |
FAQ's
What is Mukh Mantri Sehat Yojana?
It is a universal health insurance scheme by the Punjab government that provides cashless medical treatment up to ₹10 lakh per family per year at empanelled government and private hospitals across the state.
Who is eligible for Mukh Mantri Sehat Yojana?
All bona fide residents of Punjab are eligible. There is no income limit, no age restriction, and no occupation-based exclusion. You need a valid Aadhaar card and Punjab Voter ID to enrol.
What health services are available under this scheme?
The scheme covers over 2,300 treatment packages including hospitalization, daycare surgeries, 3 days of pre-hospitalization, 15 days of post-hospitalization, cancer treatment, heart surgeries, kidney dialysis, knee and hip replacements, maternity care, and ICU care.
What is the maximum limit of the health insurance cover?
Every eligible family receives a coverage limit of ₹10 lakh per year. The amount is shared across all family members and resets every financial year.
How do I apply for the scheme?
You can apply online through the Ayushman App or the State Health Agency portal, or visit a Common Service Centre (CSC) or Sewa Kendra with Aadhaar and Voter ID. Trained youth club members also help with door-to-door enrolment.
What documents are necessary?
You will need an Aadhaar Card, Punjab Voter ID, family details with Aadhaar numbers, and a mobile number for OTP verification. No income certificate or occupation proof is required.
Can single individuals apply?
Yes. The 2026 upgrade includes single individuals, senior citizens, widows, and unmarried persons. Families with members living abroad can also enrol with valid residency documentation.
Is PGIMER Chandigarh covered under this scheme?
The Punjab Health Minister has expressed concern over the exclusion of PGIMER Chandigarh by the Centre. As of now, treatment at PGIMER is not covered under the scheme.
How can I check my e-card status?
Visit the official portal at sha.punjab.gov.in/shapunjab/index.php and enter your details to check eligibility and e-card status. You can also use the Ayushman App.
What is the helpline number for complaints?
You can report any issue, including hospitals demanding money during cashless treatment, on helpline number 104.
Is the scheme still active in 2026?
Yes. The scheme was upgraded and expanded in January 2026 with ₹10 lakh coverage, universal eligibility, and 17 new treatment procedures. It remains the main health insurance scheme for Punjab residents.
Official Portal: sha.punjab.gov.in/shapunjab/index.php
Eligibility Check: sha.punjab.gov.in/shapb/publicPages/benSearchView.php
Treatment Packages List: sha.punjab.gov.in/shapb/publicPages/packageMasterView
Hospital List: sha.punjab.gov.in/shapb/publicPages/hospSpltyView