West Bengal Mukhyamantri Swasthya Bima Yojana: Check Eligibility, Apply Online & Download Health Card

Mukhyamantri Swasthya Bima Yojana (MMSBY) is a state-funded health insurance scheme launched by the Government of West Bengal to provide cashless healthcare coverage to residents who are not covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). Implemented through the State Health Agency (SHA), West Bengal, the scheme offers health insurance coverage of up to Rs. 5 lakh per family per year on a floater basis. Eligible beneficiaries can avail cashless treatment at empanelled hospitals across India without paying any premium, as the State Government bears the entire cost. The official MMSBY platform offers enrollment, beneficiary verification, eKYC, and health card generation.

Introduction of West Bengal Mukhyamantri Swasthya Bima Yojana: A Brief Insight

The introduction of Ayushman Bharat (PM-JAY) in West Bengal marked a major expansion of health insurance coverage across the state. However, many families who were previously covered under the Swasthya Sathi Scheme found themselves outside the PM-JAY beneficiary database because eligibility under the Central Government scheme is largely linked to the SECC 2011 data. As a result, thousands of residents faced uncertainty regarding their continued access to cashless healthcare services.

To bridge this gap and ensure that no eligible family loses health protection, Chief Minister Suvendu Adhikari announced the Mukhyamantri Swasthya Bima Yojana (MMSBY) on 11 July 2026 during a public meeting in Rejinagar, Murshidabad. The West Bengal Cabinet subsequently approved the scheme on 22 July 2026, following which the Department of Health and Family Welfare completed the formal rollout process. The scheme became operational across the state from 16 August 2026.

Implemented by the Department of Health and Family Welfare, Government of West Bengal through the State Health Agency (SHA), MMSBY has been designed as a dedicated health insurance scheme for residents who remain outside the coverage of Ayushman Bharat. The objective is simple but significant: every eligible family in West Bengal should have access to quality healthcare without worrying about the financial burden of hospital treatment.

Under Mukhyamantri Swasthya Bima Yojana of the Government of West Bengal, eligible beneficiary families receive cashless health insurance coverage of up to Rs. 5 lakh per year on a floater basis. Beneficiaries can avail treatment at empanelled government and private hospitals, not only within West Bengal but across India through the AB PM-JAY hospital network. The State Government bears the entire cost of the scheme, meaning beneficiaries do not pay any premium, registration charge, or annual contribution.

The scheme also offers several important features, including coverage for pre-existing diseases, no restriction on family size, free issuance of individual health cards, Aadhaar-based beneficiary verification, and access to more than 1,500 empanelled hospitals providing cashless treatment services. According to the State Health Agency, Swasthya Sathi beneficiaries who do not possess AAY, SPHH, PHH, or RKSY-1 ration cards can now complete online enrollment under MMSBY through the official beneficiary portal.

With nearly 6.5 crore residents expected to receive benefits under Ayushman Bharat and the remaining eligible families covered through Mukhyamantri Swasthya Bima Yojana, West Bengal has created a dual-coverage framework aimed at achieving near-universal health insurance coverage. Residents can check their eligibility, complete enrollment, and access scheme services through the official State Health Agency portal.

Residents who qualify under the Central Government scheme can also read our detailed guide on the Ayushman Bharat PM-JAY Scheme to understand eligibility conditions, enrollment procedures, and available benefits. Senior citizens aged 70 years and above may additionally explore the Ayushman Vay Vandana Card, which provides dedicated healthcare coverage for elderly beneficiaries.

For readers looking to explore more welfare initiatives, healthcare programmes, and social security benefits offered by the state, visit our comprehensive West Bengal Government Schemes List page.

Benefits Provided to Eligible Beneficiaries

Eligible families enrolled under Mukhyamantri Swasthya Bima Yojana (MMSBY) can access comprehensive cashless healthcare benefits through the State Health Agency, West Bengal. The scheme has been designed to ensure that residents who are not covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) continue to receive health insurance protection.

• Health insurance coverage of up to Rs. 5 lakh per family per year on a floater basis.
• Completely cashless treatment at empanelled government and private hospitals.
• Treatment available at all AB PM-JAY empanelled hospitals.
• Access to a network of more than 1,500 empanelled hospitals.
• No cap on family size.
• Coverage for all pre-existing diseases from the date of enrolment.
• Individual health cards issued free of cost to eligible beneficiaries.
• No premium or contribution is required from beneficiaries as the scheme is fully funded by the Government of West Bengal.
• Monitoring and beneficiary management through a dedicated digital platform.

Important: MMSBY operates on a cashless treatment model only. No reimbursement facility is available to beneficiaries. Aadhaar authentication is mandatory during enrolment, hospital admission, and discharge for availing benefits under the scheme.

Eligibility Conditions Required to be Fulfilled

The Mukhyamantri Swasthya Bima Yojana (MMSBY) 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.

How to Check Mukhyamantri Swasthya Bima Yojana (MMSBY) Eligibility Online

If you want to know whether you can get benefits under Mukhyamantri Swasthya Bima Yojana (MMSBY), you do not need to visit any government office first. The Government of West Bengal has provided an online PM-JAY/MMSBY Eligibility Check facility where you can verify your eligibility from home using your Aadhaar number or other approved details.

Follow the simple steps below to check your MMSBY eligibility online.

Step 1: Open the official PM-JAY/MMSBY Eligibility Check Portal of the State Health Agency (SHA), West Bengal.

Step 2: Click on the option to check beneficiary eligibility. You will be redirected to the official beneficiary verification system.

Step 3: Enter your mobile number and complete OTP verification to securely access the eligibility search facility.

Step 4: Select West Bengal as your state and choose the search method available on the portal.

Step 5: Enter your Aadhaar number, ration card details, family ID, or any other information requested by the system.

Step 6: Click on the search button and wait for the portal to verify your details against the government database.

Step 7: If your family is eligible under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), the portal will display your PM-JAY eligibility status.

Step 8: If you are not eligible under PM-JAY but qualify under Mukhyamantri Swasthya Bima Yojana (MMSBY), the portal will show your MMSBY eligibility details and further enrolment options.

Step 9: Carefully verify the information displayed on the screen, including your name, family details, and scheme category.

Step 10: If your details are available and you are found eligible, proceed with Aadhaar-based eKYC to complete the next stage of the MMSBY enrolment process.

Important: Keep your Aadhaar card, registered mobile number, and supporting documents ready before starting the PM-JAY/MMSBY eligibility check. If your name is not found or you face any difficulty during verification, contact the State Health Agency helpline at 18003455384 or 14555 for assistance.

Documents Required to be Attached

To complete enrolment under Mukhyamantri Swasthya Bima Yojana (MMSBY), applicants should keep all required documents ready before starting the verification process. Aadhaar-based authentication is mandatory during enrolment, and the details provided should match official government records.

• Aadhaar Card for identity verification and eKYC.
• Proof of residence confirming permanent residency in West Bengal.
• Ration Card or Khadya Sathi Card, wherever applicable.
• Swasthya Sathi Card, if previously issued.
• Document or verification record showing non-eligibility under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), wherever required during enrolment.
• Recent passport-size photograph.
• Active mobile number linked with Aadhaar for OTP verification.

Important: The State Health Agency (SHA), West Bengal, may request additional documents during beneficiary verification or field validation. Applicants should ensure that their Aadhaar details, mobile number, and supporting documents remain updated to avoid delays in MMSBY enrolment, card generation, or activation.

How Beneficiaries Can Avail the Benefit of this Scheme

If you are eligible for Mukhyamantri Swasthya Bima Yojana (MMSBY), you must complete the enrolment process before you can receive cashless treatment benefits. The good thing is that the entire process has been integrated with the official health insurance system of West Bengal, making it easier for families to check eligibility, complete verification, and obtain their health card.

Follow the steps below carefully to complete your MMSBY enrolment and start using the scheme benefits.

Step 1: Visit the official PM-JAY/MMSBY Eligibility Check and Enrolment Portal.

Step 2: First check whether your family is eligible under Mukhyamantri Swasthya Bima Yojana (MMSBY) or Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY).

Step 3: Once your name appears in the beneficiary database, start the MMSBY enrolment process using your Aadhaar number and registered mobile number.

Step 4: Complete Aadhaar-based eKYC by verifying the OTP sent to your mobile number. This step confirms your identity and links your details with the scheme database.

Step 5: Carefully review your personal and family details displayed on the screen. If any information is incorrect, get it corrected before proceeding further.

Step 6: Upload or submit any supporting documents required during verification, if requested by the system or the authorities.

Step 7: After successful verification, your MMSBY enrolment will be approved and your beneficiary record will be activated in the system.

Step 8: Once activated, download your health card and keep a digital or printed copy safely for future use.

Step 9: Whenever medical treatment is required, visit any empanelled hospital under the scheme network. You can check the complete hospital list on the official Empanelled Hospitals Portal.

Step 10: Show your MMSBY card and Aadhaar card at the hospital. After successful verification, you can receive cashless treatment as per the scheme guidelines without paying hospitalisation expenses covered under the scheme.

Important: Mukhyamantri Swasthya Bima Yojana (MMSBY) does not provide reimbursement to beneficiaries. To receive cashless treatment, enrolment, Aadhaar authentication, and beneficiary verification must be completed successfully before hospital admission.

How to Download Mukhyamantri Swasthya Bima Yojana Card West Bengal

Once your online enrollment under Mukhyamantri Swasthya Bima Yojana (MMSBY) is completed, the State Health Agency (SHA), West Bengal verifies your details before issuing your health card. After successful verification, you can download your MMSBY card and use it to avail cashless treatment benefits at empanelled hospitals.

Step 1: Complete your enrollment through the PM-JAY/MMSBY Eligibility Check & Enrollment Portal using your Aadhaar number and complete the required eKYC process.

Step 2: The State Health Agency (SHA), West Bengal will verify the information submitted during enrollment.

Step 3: Once your verification is approved, the health card generation process will be completed by the concerned authorities.

Step 4: After the card is generated, you will receive the card download link or related communication on your registered mobile number.

Step 5: Open the link received from the authorities and download your Mukhyamantri Swasthya Bima Yojana Card in digital format.

Step 6: Save the card on your mobile phone and keep a printed copy for future use during hospital admission.

Step 7: At the time of treatment, carry your MMSBY card along with your Aadhaar Card for beneficiary verification at the hospital.

Important: Card download becomes available only after successful verification by the State Health Agency. If you face any issue regarding verification, card generation, or card download, contact the MMSBY Helpline at 18003455384 or 14555.

Important Links Available of the Scheme

• Mukhyamantri Swasthya Bima Yojana (MMSBY) Official Portal
• MMSBY Eligibility Check and Online Enrollment Portal
• Search Empanelled Hospitals for Cashless Treatment
• MMSBY Treatment Packages and Covered Procedures
• State Health Agency West Bengal Contact Details
• Department of Health and Family Welfare, Government of West Bengal
• Government of West Bengal Official Portal
• Ayushman Bharat (PM-JAY) Official Portal
• Ayushman Bharat Beneficiary Portal

Contact Details in Case of Help Needed

If you face any difficulty related to Mukhyamantri Swasthya Bima Yojana (MMSBY) enrollment, beneficiary verification, eKYC, health card download, eligibility checking, or cashless treatment at empanelled hospitals, you can contact the concerned authorities through the details given below:

• Nodal Agency: State Health Agency (SHA), West Bengal
• Department: Department of Health and Family Welfare, Government of West Bengal
• Address: Swasthya Bhavan, GN 29, Sector V, Salt Lake City, Kolkata 700091
• MMSBY & Ayushman Bharat Helpline: 18003455384
• Toll Free Helpline: 14555
• Email: shawb.pmjay@gmail.com
• Official Website: State Health Agency West Bengal Portal
• Contact Page: Official Help & Support Page

Tip: Before calling the helpline, keep your Aadhaar number, registered mobile number, and enrollment details ready. This helps the support team resolve issues related to MMSBY eligibility, enrollment status, beneficiary verification, and health card generation more quickly.

Frequently Asked Questions (FAQs)

Q. What is Mukhyamantri Swasthya Bima Yojana (MMSBY)?

Ans. Mukhyamantri Swasthya Bima Yojana (MMSBY) is a health insurance scheme launched by the Government of West Bengal to provide cashless healthcare coverage of up to Rs. 5 lakh per family per year to eligible residents who are not covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).

Q. Who can apply for Mukhyamantri Swasthya Bima Yojana?

Ans. Permanent residents of West Bengal who are not eligible under AB PM-JAY can apply for Mukhyamantri Swasthya Bima Yojana, subject to the conditions prescribed by the State Health Agency (SHA), West Bengal.

Q. How much health insurance coverage is available under MMSBY?

Ans. Eligible beneficiary families receive cashless health insurance coverage of up to Rs. 5 lakh per year on a floater basis.

Q. Is there any premium to be paid by beneficiaries?

Ans. No. The entire premium is borne by the Government of West Bengal. Beneficiaries do not need to pay any registration fee, premium, or annual contribution.

Q. Are pre-existing diseases covered under Mukhyamantri Swasthya Bima Yojana?

Ans. Yes. According to the State Health Agency portal, all pre-existing diseases are covered under the scheme from the beginning of enrollment.

Q. Is there any limit on family size under MMSBY?

Ans. No. There is no cap on family size. Eligible family members can receive benefits under the scheme as per applicable guidelines.

Q. Can I receive treatment outside West Bengal?

Ans. Yes. Beneficiaries can avail cashless treatment at AB PM-JAY empanelled hospitals across India, subject to the approved treatment packages.

Q. How can I check my MMSBY eligibility online?

Ans. Visit the PM-JAY/MMSBY Eligibility Check & Enrollment Portal, enter your Aadhaar details, and complete the verification process to check whether you are eligible for MMSBY or AB PM-JAY.

Q. How can I complete MMSBY enrollment?

Ans. Eligible applicants can complete online enrollment through the official eligibility and enrollment portal using Aadhaar-based authentication and eKYC.

Q. Can former Swasthya Sathi beneficiaries apply for MMSBY?

Ans. Yes. The State Health Agency has announced that Swasthya Sathi beneficiaries who do not possess AAY, SPHH, PHH, or RKSY-1 ration cards can apply online for Mukhyamantri Swasthya Bima Yojana.

Q. How many hospitals are available under the scheme?

Ans. Beneficiaries can access cashless treatment services at more than 1,500 empanelled government and private hospitals available under the network.

Q. Is Aadhaar mandatory for enrollment and treatment?

Ans. Yes. Aadhaar authentication is mandatory during enrollment, hospital admission, and discharge under Mukhyamantri Swasthya Bima Yojana.

Q. Will I receive a separate MMSBY health card?

Ans. Yes. Individual health cards are issued free of cost to eligible beneficiaries after successful enrollment and verification.

Q. Can I claim reimbursement for treatment expenses?

Ans. No. The scheme operates entirely on a cashless basis. There is no reimbursement provision for beneficiaries.

Q. Where can I download my MMSBY card?

Ans. After successful enrollment and verification by the State Health Agency, eligible beneficiaries can download their card through the official system when the download facility becomes available.

Q. Where can I find the list of covered treatment packages?

Ans. The complete list of approved treatment packages and procedures is available on the official Treatment Packages Portal.

Q. Where can I get help regarding MMSBY enrollment, eligibility, or card-related issues?

Ans. You can contact the State Health Agency, West Bengal through the helpline numbers 18003455384 and 14555, or email shawb.pmjay@gmail.com for assistance.

Tabassum

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.