Mukhyamantri Swasthya Bima Yojana is a state-funded health insurance scheme announced by Chief Minister Suvendu Adhikari on 11 July 2026. The scheme will provide health insurance coverage of up to Rs. 5 lakh with cashless treatment at empanelled hospitals across India for eligible residents of West Bengal who are not covered under Ayushman Bharat (PM-JAY). The State Government will bear the entire premium. Detailed operational guidelines, beneficiary enrollment, and the official application process are expected to be notified separately.
West Bengal Mukhyamantri Swasthya Bima Yojana Highlights | |
|---|---|
| Scheme Name | Mukhyamantri Swasthya Bima Yojana |
| Announced On | 11 July 2026 |
| Announced By | Chief Minister Suvendu Adhikari at a public rally in Rejinagar, Murshidabad |
| Implementing Department | Department of Health and Family Welfare, Government of West Bengal |
| Scheme Status | Cabinet approved and officially notified. Enrollment is now live through the Ayushman Bharat beneficiary portal. |
| Health Insurance Coverage | Up to Rs. 5 lakh |
| Treatment Facility | Cashless treatment at empanelled hospitals |
| Coverage Area | Hospitals across India |
| Scheme Funding | Fully funded by the Government of West Bengal |
| Eligible Beneficiaries | West Bengal residents who are not covered under Ayushman Bharat (PM-JAY) |
| Primary Target Group | Former Swasthya Sathi beneficiaries who remain outside PM-JAY eligibility |
| Ayushman Bharat Rollout | Available in West Bengal |
| Relationship with Swasthya Sathi | Successor scheme for eligible residents not covered under Ayushman Bharat (PM-JAY) |
| Check PM-JAY Eligibility | pmjay.gov.in |
| PM-JAY Beneficiary Portal | beneficiary.nha.gov.in |
| Health Department Website | wbhealth.gov.in |
| West Bengal Government Portal | wb.gov.in |
| Ayushman Bharat Helpline | 14555 (Toll Free) |
| Health Department Phone | 033-23580610 |
Introduction of West Bengal Mukhyamantri Swasthya Bima Yojana: A Brief Insight
After West Bengal adopted Ayushman Bharat (PM-JAY) in July 2026 and launched it on 16th of August 2026, many residents who earlier received health coverage under the Swasthya Sathi Scheme were left outside the Central Government scheme because PM-JAY eligibility is based primarily on the SECC 2011 database. As a result, several families who previously enjoyed health insurance no longer qualified for cashless treatment under the new system.
To ensure that these residents continue receiving health insurance protection, Chief Minister Suvendu Adhikari announced the Mukhyamantri Swasthya Bima Yojana on 11 July 2026 during a public meeting in Rejinagar, Murshidabad. The West Bengal Cabinet formally approved the scheme on 22 July 2026, and the Department of Health and Family Welfare subsequently issued the implementation notification, moving the scheme from announcement to active rollout. This Scheme is now operational in West Bengal with effect from 16th of August 2026. The scheme aims to provide health insurance coverage to every eligible resident who remains outside the Ayushman Bharat beneficiary list.
The Department of Health and Family Welfare, Government of West Bengal, will implement the scheme. Eligible beneficiaries will receive health insurance coverage of up to Rs. 5 lakh with cashless treatment at empanelled hospitals across India. The State Government will bear the entire premium, so beneficiaries will not have to pay any amount to receive the insurance benefit.
According to the announcement, nearly 6.5 crore people in West Bengal will receive coverage under Ayushman Bharat, while residents who do not qualify under PM-JAY will be covered under the Mukhyamantri Swasthya Bima Yojana. This arrangement is intended to ensure that every eligible resident of the state has access to health insurance. Eligible Beneficiaries can enroll themselves under the Mukhyamantri Swasthya Bima Yojana of the West Bengal Government through the Ayushman Bharat Official Website.
Residents who are eligible under the Central Government scheme can check our detailed guide on the Ayushman Bharat PM-JAY Scheme to verify their eligibility and complete enrolment. Senior citizens aged 70 years or above can also read about the Ayushman Vay Vandana Card, which provides additional health insurance benefits to eligible senior citizens.
You can also explore our West Bengal Government Schemes List page to learn about other welfare schemes currently being implemented by the Government of West Bengal.
Benefits Provided to Eligible Beneficiaries
Eligible beneficiaries will receive the following benefits under the Mukhyamantri Swasthya Bima Yojana of the West Bengal Government:
- Health insurance coverage of up to Rs. 5 lakh.
- Cashless treatment at empanelled hospitals.
- Treatment facility at empanelled hospitals across India.
- No premium or contribution will be payable by beneficiaries as the scheme will be fully funded by the Government of West Bengal.
The Government of West Bengal is yet to publish the detailed operational guidelines. Information regarding covered treatments, empanelled hospitals, exclusions, claim process, and other benefits will become available after the official notification is issued.
Eligibility Conditions Required to be Fulfilled
The Mukhyamantri Swasthya Bima Yojana has been announced to provide health insurance coverage to those residents of West Bengal who are not covered under Ayushman Bharat (PM-JAY). Benefits of Mukhyamantri Swasthya Bima Yojana will be provided only to those beneficiaries who fulfil the below-mentioned eligibility criteria
- Applicant must be a permanent resident of West Bengal.
- Applicant should not be covered under Ayushman Bharat (PM-JAY).
- Residents who were earlier covered under the Swasthya Sathi Scheme but are not eligible under PM-JAY are expected to be the primary beneficiaries.
Who Is Not Eligible
- Persons already covered under Ayushman Bharat (PM-JAY).
- Government or PSU employees or Pensioners receiving medical benefits under the West Bengal Health Scheme.
- Families whose Annual Income is more than Rs. 8 lakh.
- Beneficiaries of the Ayushman Vay Vandana Card Scheme.
- Persons who are not permanent residents of West Bengal.
Documents Required to be Attached
The documents which are required at the time of enrolling in the Mukhyamantri Swasthya Bima Yojana of the Government of West Bengal is mentioned below:
- Aadhaar Card.
- Residence proof of West Bengal.
- Ration Card or Khadya Sathi Card, wherever applicable.
- Swasthya Sathi Card, if previously issued.
- Document showing non-eligibility under Ayushman Bharat (PM-JAY), if required by the Government.
- Recent passport-size photograph.
- Active mobile number.
The final list of mandatory documents will be available only after the West Bengal Government publishes the official scheme guidelines and enrolment process.
How Beneficiaries Can Avail the Benefit of this Scheme
Enrollment under the Mukhyamantri Swasthya Bima Yojana now runs through the same portal used for Ayushman Bharat, so residents do not need to wait for a separate application system.
Step 1: Visit the Ayushman Bharat Beneficiary Portal and select West Bengal as your state.
Step 2: Once West Bengal is selected, Mukhyamantri Swasthya Bima Yojana appears as an available scheme option alongside Ayushman Bharat (PM-JAY).
Step 3: Complete the eligibility verification using your Aadhaar Number or Ration Card details, the same way you would check Ayushman Bharat eligibility.
Step 4: If you are found eligible under Mukhyamantri Swasthya Bima Yojana rather than PM-JAY, you can proceed with e-KYC and generate your health card directly through the portal.
Step 5: Once the card is generated, you can use it for cashless treatment at hospitals empanelled under the Ayushman Bharat network across India.
For any difficulty during verification or card generation, beneficiaries can contact the Ayushman Bharat toll-free helpline 14555.
How to Download Mukhyamantri Swasthya Bima Yojana Card West Bengal
Once your eKYC and verification are complete on the Ayushman Bharat Beneficiary Portal, downloading your Mukhyamantri Swasthya Bima Yojana card only takes a few steps.
Step 1: Visit the Ayushman Bharat Beneficiary Portal and log in using your registered mobile number and OTP.
Step 2: Select West Bengal as your state, then choose Mukhyamantri Swasthya Bima Yojana from the available scheme options.
Step 3: Search for your record using your Aadhaar Number or Ration Card details, the same details used at the time of eKYC and verification.
Step 4: Once your verified record appears, complete the eKYC process if it is not already done, using Aadhaar-based OTP or biometric authentication.
Step 5: After verification is confirmed, a Download Card option becomes visible against your name on the portal.
Step 6: Click on Download Card to generate your Mukhyamantri Swasthya Bima Yojana card in PDF format, which you can save on your phone or take a printout of.
Step 7: Carry a copy of this card, along with your Aadhaar Card, at the time of hospital admission to avail cashless treatment at empanelled hospitals.
If the Download Card option does not appear even after successful verification, beneficiaries can contact the Ayushman Bharat toll-free helpline 14555 for assistance.
Important Links Available
- Government of West Bengal Official Portal
- Department of Health and Family Welfare, Government of West Bengal
- Ayushman Bharat (PM-JAY) Official Portal
- Ayushman Bharat Beneficiary Portal
Contact Details in Case of Help Needed
- Department: Department of Health and Family Welfare, Government of West Bengal
- Address: Swasthya Bhawan, GN-29, Sector V, Salt Lake, Kolkata – 700091
- Phone: 033-23580610
- Email: wbhealth@gmail.com
- Ayushman Bharat Toll-Free Helpline: 14555
Frequently Asked Questions (FAQs)
Q. What is Mukhyamantri Swasthya Bima Yojana?
Ans. Mukhyamantri Swasthya Bima Yojana is a state-funded health insurance scheme announced by Chief Minister Suvendu Adhikari on 11 July 2026. The scheme aims to provide health insurance coverage of up to Rs. 5 lakh to eligible West Bengal residents who are not covered under Ayushman Bharat (PM-JAY).
Q. Why was Mukhyamantri Swasthya Bima Yojana introduced?
Ans. The scheme was announced to provide health insurance coverage to residents who remain outside the Ayushman Bharat (PM-JAY) beneficiary list. It is intended to ensure that eligible people who do not qualify under PM-JAY also receive health insurance protection.
Q. Who is eligible under this scheme?
Ans. According to the announcement, permanent residents of West Bengal who are not eligible under Ayushman Bharat (PM-JAY) will be covered. Detailed eligibility conditions will be notified by the State Government.
Q. How much health insurance coverage will be available?
Ans. The State Government has announced health insurance coverage of up to Rs. 5 lakh. Complete details regarding coverage limits and other benefits will be available after the official guidelines are issued.
Q. Can beneficiaries receive treatment outside West Bengal?
Ans. Yes. During the announcement, Chief Minister Suvendu Adhikari stated that eligible beneficiaries will be able to receive cashless treatment at empanelled hospitals across India.
Q. Do beneficiaries have to pay any premium?
Ans. No. The Mukhyamantri Swasthya Bima Yojana will be fully funded by the Government of West Bengal, and beneficiaries will not have to pay any premium.
Q. How can I check whether I am eligible for Ayushman Bharat?
Ans. Visit pmjay.gov.in or beneficiary.nha.gov.in and search using your Aadhaar Number or Ration Card number. If your name appears in the PM-JAY beneficiary database, you can complete your enrolment under Ayushman Bharat.
Q. What will happen if I am not eligible under Ayushman Bharat?
Ans. The West Bengal Government has announced that residents who are not covered under Ayushman Bharat will be covered under the Mukhyamantri Swasthya Bima Yojana. The detailed enrolment process will be released through the official scheme guidelines.
Q. What happened to the Swasthya Sathi Scheme?
Ans. After the implementation of Ayushman Bharat in West Bengal from July 2026, the State Government announced that residents who remain outside PM-JAY coverage will be covered under the Mukhyamantri Swasthya Bima Yojana. Detailed transition guidelines are yet to be issued.
Q. When will applications for this scheme begin?
Ans. The scheme has been announced, but the West Bengal Government has not yet released the official application process, enrolment portal, or operational guidelines.
Q. Where can I get official updates about this scheme?
Ans. You can visit the official websites of the Department of Health and Family Welfare, Government of West Bengal and the Government of West Bengal for future notifications regarding the scheme.
Q. Where can I get help regarding Ayushman Bharat?
Ans. For Ayushman Bharat-related assistance, call the toll-free helpline 14555. For updates regarding the Mukhyamantri Swasthya Bima Yojana, you can contact the Department of Health and Family Welfare, Government of West Bengal at 033-23580610.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.