Imagine one of your family members suddenly needs surgery, or needs immediate medical treatment for some severe disease, and the hospital bills run into above lakh of rupees.
For most middle class and low-income families ,that one bill can wipe out years of savings. This is exactly the gap the Mukhyamantri Swasthya Bima Yojana (MMSBY) can cover and will give to the citizens of west bengal.
It is a health protection scheme introduced by the government of west bengal for the eligible residents of west bengal.The scheme is designed to provide the cashless health coverage of up to 5lakh per family per year. So the families who don’t fall under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), can apply for Mukhyamantri Swasthya Bima Yojana (MMSBY).
I will provide you the step by step guide on how to apply online, who can apply, what documents are required etc,so stay tuned.
Before that, please be aware that Mukhyamantri Swasthya Bima Yojana (MMSBY) is not automatically available just because you hold an old Swasthya Sathi card.
According to the official beneficiary FAQ issued for AB-PMJAY and MMSBY,the eligibility depends on the specific conditions notified by the Government of West Bengal. Just having a Swasthya Sathi card does not guarantee MMSBY coverage ,you need to check and confirm your eligibility through the proper channel.
The Ayushman Bharat card and Mukhyamantri Swasthya Bima Yojana card’s benefits are kind of the same, both are covered by Rs.5 lakh of health coverage.
New Update on Mukhyamantri Swasthya Bima Yojana West Bengal 2026:
The governmnet of west bengal has recently distribute a form for Mukhyamantri Swasthya Bima Yojana varification,I have attached a image of north 24 parganas Mukhyamantri Swasthya Bima Yojana varification form for your reference.
For verification you have to provide the following details to grab your New Mukhyamantri Swasthya Bima Yojana card
- Name
- Aadhar Number
- Ration card Number
- Aadhar linked Mobile Number
- Date of birth
- Complete Address
- Head of family Name
- Total family Members count
- PAN Number
- Age above 18, have to provide Voter ID card Number
- Details of Voter AC,Part Number,Serial Number, you can find the details backside of Voter Card
- SwasthaSathi Card Number(Mandatory)
The form starts distributing by ASHA workers,you can contact them and collect your verification form, fill and submit it to them.
The data which you provide, to be verified and updated in the government data base.After that you have to visit the official website of PM JAY, you have to complete the e-KYC and you can download the Mukhyamantri Swasthya Bima Yojana (MMSBY) Card.
You you want to know how to apply for Ayshman Bharat Card Click here
Note: MMSBY is a recently introduced, evolving scheme. Please always confirm the latest eligibility rules and process through the official West Bengal PM-JAY portal before applying or making any decisions based on this article.
Key Highlights of Mukhyamantri Swasthya Bima Yojana (MMSBY):
| Particulars | Details |
| Scheme Name | Mukhyamantri Swasthya Bima Yojana (MMSBY) |
| Launching Authority | Department of Health & Family Welfare, Government of West Bengal |
| Beneficiary Category | West Bengal residents who fall outside AB-PMJAY coverage and meet MMSBY’s notified eligibility conditions |
| Government Level | State Government scheme (West Bengal), complementing the central AB-PMJAY scheme |
| Benefits | Cashless hospital coverage up to ₹5 lakh per family per year, as per approved treatment packages |
| Application Mode | Beneficiary verification through official PM-JAY/West Bengal channels; enrolment process being rolled out |
| Official Reference Portal | West Bengal PM-JAY eligibility check: pmjay- sha.wb.gov.in / https://sha.wbhealth.gov.in/ |
Mukhyamantri Swasthya Bima Yojana
Objectives of Mukhyamantri Swasthya Bima Yojana:
- Ayshman Bhart /PM-JAY eligibility is based on a national/state beneficiary database,so not every citizen qualifies for it. The West Bengal government found the gaps and announced Mukhyamantri Swasthya Bima Yojana.
- The government uses the Swastha sathi framework for Mukhyamantri Swasthya Bima Yojana rather than starting from scratch.
- Eligible beneficiaries can access treatment at hospitals empanelled under this scheme, subject to the approved package list.
Benefits of Mukhyamantri Swasthya Bima Yojana:
- Cashless treatment up to ₹5 lakh per family, per year
- No restriction on family size
- Treatment through empanelled hospitals
- Coverage as per approved treatment packages
Eligibility Criteria:
- Ensure you are a resident of West Bengal.
- If you think you just have a Swasthya Sathi card and you are eligible for this scheme, Eligibility depends on conditions specifically notified by the Government of West Bengal.
- If you already have a Swasthya Sathi card but are not eligible for Ayushman Bharat AB-PMJAY, you should check whether you fall within the Mukhyamantri Swasthya Bima Yojana MMSBY for West Bengal.
- If you don’t have the Swasthya Sathi card and are not enrolled under Ayushman Bharat AB-PMJAY, you do not automatically get Mukhyamantri Swasthya Bima Yojana MMSBY benefits.
Note: Because the government notification on final MMSBY eligibility criteria is still being clarified in parts, please do not rely solely on this article or any third-party website to confirm your eligibility. Verify your status through the official West Bengal PM-JAY eligibility portal (pmjay-sha.wb.gov.in) or an authorised enrolment point.
Required Documents for Mukhyamantri Swasthya Bima Yojana:
I have thoroughly checked the official notification, and the below documents are required for West bengal Mukhyamantri Swasthya Bima Yojana.
- Aadhar Card
- Registered Mobile Number for OTP verification
- Details of family members
- Identity and address proof
- Existing Swasthasathi Card,where applicable
- Ration card/Khadya Sathi card
Note: Do not surrender or destroy your existing Swasthya Sathi card unless you are specifically instructed to do so by the competent authority. Keep it safe along with any pre-authorisation documents from past treatment, in case they are needed during verification or transition.
How to Check Eligibility / Apply for Mukhyamantri Swasthya Bima Yojana(MMSBY)
As you know MMSBY works through the beneficiary verification system linked to Swasthya Sathi and AB-PMJAY, here is the general process based on official guidance:
- Check your Ayushman Bharat-PMJAY status first,Visit the official West Bengal PM-JAY eligibility portal at pmjay-sha.wb.gov.in to see if you are already covered under AB-PMJAY.
- If you are not eligible for Ayushman Bharat-PMJAY, check whether you qualify for Mukhyamantri Swasthya Bima Yojana-MMSBY under the state’s notified conditions. Keep your Swasthya Sathi details card ready.
- Visit an authorised verification point. This can be a Common Service Centre (CSC), an Ayushman Arogya Mandir /authorised enrolment point, an Ayushman Mitra at an empanelled hospital, or a government camp such as Duare Sarkar.
- Complete Aadhaar based e-KYC.
- Get your beneficiary record confirmed. Once verified and found eligible, your card details will be updated in the system for use at empanelled hospitals.
Caution:Because the government has clarified that MMSBY enrolment should follow the latest official notification, avoid using unofficial “apply online” links that are not hosted on a government domain.
How to Check Your Status
- Visit the official West Bengal PM-JAY eligibility portal: pmjay-sha.wb.gov.in
- Alternatively, approach the help desk/Ayushman Mitra at an empanelled hospital, who can check your beneficiary record directly in the system.
- You can also call the official helplines listed below to ask about your status.
Important Numbers & Official References
| Service | Contact/Link |
| National PM-JAY Call Centre | 14555 / 1800-111-565 |
| Hospital-side technical support | 14413 |
| West Bengal PM-JAY eligibility check | pmjay-sha.wb.gov.in |
Switching from Swasthya Sathi to AB-PMJAY/MMSBY: What to Know
- Your Swasthya Sathi card should not be assumed to continue authorising treatment once it has been deactivated or “hotlisted” in the system but you should also not destroy it unless told to.
- Unused Swasthya Sathi balance is not automatically transferred to your new AB-PMJAY or MMSBY card.
- If a hospitalisation was already approved (pre-authorised) under Swasthya Sathi before your transition, the hospital should not simply cancel that case it should follow the applicable transition instructions.
- If your Swasthya Sathi card is hotlisted and your new status is not yet verified, ask the hospital’s help desk/Ayushman Mitra to check your record directly and escalate through the official grievance mechanism if needed.
MMSBY vs Ayushman Bharat (AB-PMJAY): Quick Comparison
| Feature | MMSBY | AB-PMJAY |
| Governing Body | Government of West Bengal | Government of India (National Health Authority), with State |
| Who it’s for | West Bengal residents who meet MMSBY’s notified eligibility and are outside AB-PMJAY coverage | Families identified through the national/state PM-JAY beneficiary database |
| Annual Cover | Up to ₹5 lakh per family, as per approved packages | Up to ₹5 lakh per family, as per approved packages |
| Simultaneous use for same treatment | Not to be assumed possible | Not to be assumed possible with MMSBY |
| Portability | National portability, subject to scheme rules | National portability at empanelled hospitals |
| Senior citizens (70+) | Follow applicable MMSBY provisions | Ayushman Vay Vandana benefit gives an additional ₹5 lakh cover for those aged 70+, irrespective of income, subject to Aadhaar e-KYC |
MMSBY vs Swasthya Sathi: Quick Comparison
| Feature | MMSBY | Swasthya Sathi |
| Relationship | A newer, separate state scheme; not automatically granted to every Swasthya Sathi holder | The state’s earlier health enrolment scheme |
| Who it’s for | Eligible residents outside AB-PMJAY coverage, per notified MMSBY conditions | West Bengal residents enrolled under the scheme’s original criteria |
| Card status during transition | New eligibility must be checked/confirmed separately | Should not be surrendered or destroyed without instruction |
Frequently Asked Questions (FAQ)
Who can apply for MMSBY?
Holding a Swasthya Sathi card alone does not guarantee eligibility; it must be confirmed through official verification.
Is MMSBY the same as Swasthya Sathi?
No. They are related but separate. Swasthya Sathi is the state’s earlier health scheme, while MMSBY is the newer state protection scheme intended for residents who remain outside AB-PMJAY coverage.
Is there any application fee for MMSBY?
MMSBY is a free government sponsored scheme.
Can I use both AB-PMJAY and MMSBY for the same treatment?
You should not assume this. These two schemes are separate.
If I already have an AB-PMJAY card, should I also apply for MMSBY?
Generally, MMSBY is meant for people outside AB-PMJAY coverage. If you’re already eligible under AB-PMJAY, use and verify that entitlement first rather than assuming a separate MMSBY benefit applies to you.
Is every treatment covered under MMSBY?
No. Only treatments within the approved package list are covered. Having a card does not mean every medical service is automatically free — items outside the approved package may still require payment.
Can I use MMSBY outside West Bengal?
MMSBY is described as having national portability provisions, similar to AB-PMJAY, subject to the applicable rules and the treatment being available at a participating empanelled hospital.
Since the scheme’s final rules are still being clarified, keep checking official updates so you don’t miss out on coverage you may be entitled to.