Mukhya Mantri Swasthya Bima Yojana has been launched for the health protection of the common people of West Bengal. Under this scheme, eligible families can get cashless treatment benefits up to a maximum of ₹5 lakh per year.
Along with the launch of the Ayushman Bharat scheme in West Bengal in 2026, the Mukhya Mantri Swasthya Bima Yojana was also launched. The scheme was officially launched on 16 August 2026 at the Ayushman Diwas function in Kolkata.
What is Mukhya Mantri Swasthya Bima Yojana?
Mukhya Mantri Swasthya Bima Yojana is a health insurance scheme of the West Bengal government. Basically, health protection has been provided through this scheme for those West Bengal residents who are not eligible for the benefits of the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
Under the scheme, eligible families will be provided cashless treatment benefits up to a maximum of ₹5 lakh per family per year.
Benefits of Mukhya Mantri Swasthya Bima Yojana
The main benefits of this scheme are—
- Health insurance cover up to a maximum of ₹5 lakh per family per year.
- Cashless treatment facility in eligible hospitals.
- Assistance to reduce financial burden of treatment while being admitted to hospital.
- Health protection benefits for family members.
- The scheme is mainly important for eligible residents who are not covered by the Ayushman Bharat scheme.
Who will get the benefits of Chief Minister Swasthya Bima Yojana?
As per the initial information released, those eligible families in West Bengal can come under this scheme who are-
- Permanent residents of West Bengal.
- Anyone who has RKSY and General Category Ration Card can apply.
- Were previously under the state's Swasthya Sathi scheme/eligible.
- Ayushman Bharat is not eligible for the benefits of PM-JAY.
However, since it is a new scheme, one should apply or verify by looking at the latest government guidelines regarding the complete eligibility conditions, reasons for exclusion and documents. Various reports have mentioned additional eligibility conditions, so it is not right to assume that the benefits are guaranteed just by having a ration card or Swasthya Sathi card.
Who will not get the benefits of Mukhya Mantri Swasthya Bima Yojana?
- Families with an annual income exceeding ₹8 lakh.
- Employees or pensioners covered under the West Bengal Health Scheme, 2008.
- Employees or pensioners covered under the Central Government Health Scheme.
- Employees or pensioners covered under the Employees' State Insurance (ESI) scheme.
- Employees or pensioners covered under any group medical insurance scheme provided by Central or State Government undertakings (PSUs), Urban Local Bodies (ULBs), statutory bodies, corporations, trusts, societies, boards, or other government-controlled entities.
- Employees and pensioners of State Government, Central Government, or semi-government institutions who receive a medical allowance in accordance with applicable government rules.
- Family members aged 70 years or above covered under the Ayushman Vay Vandana scheme.
- Individuals whose names have been removed from the register during the Special Intensive Revision (SIR).
How much medical benefits will be available?
Under the Mukhya Mantri Swasthya Bima Yojana, it has been announced that a maximum cashless medical cover of ₹5 lakh per year will be provided to each family.
The amount of benefit and rules may apply depending on the type of treatment, hospital and specific package. Therefore, it is better to confirm the service with the concerned listed hospital or government authority before seeking treatment.
How to avail the benefits of the Mukhya Mantri Swasthya Bima Yojana?
Since this scheme is new, there may be changes or new guidelines in the application and card related process. Currently, various reports have mentioned verification of the eligibility of the beneficiary through the government portal and verification of necessary e-KYC/documents.
Before applying or checking the status, you must verify your family information and Eligibility Status on the government portal.
Mukhya Mantri Swasthya Bima Yojana Required Documents
The following documents may generally be required
- Aadhaar Card
- Digital Ration Card
- Proof of Residence
- Income Certificate
- Passport-sized Photograph
- Mobile Number
- Self-Declaration
The new scheme is especially important for residents who were associated with the state's previous health security scheme but are not covered by Ayushman Bharat PM-JAY.
How to Apply for Mukhya Mantri Swasthya Bima Yojana?
To apply for the Chief Minister's Health Insurance Scheme (Mukhyamantri Swasthya Bima Yojana), applicants must complete the application process offline. Application forms for the scheme are being distributed door-to-door by ASHA workers. Individuals holding RKSY ration cards are eligible to register for this scheme.
FAQ Mukhyamantri Swasthya Bima Yojana
Q1. How much benefit is available under Mukhyamantri Swasthya Bima Yojana?
Ans. Eligible families can get cashless treatment benefits up to a maximum of ₹5 lakh per year.
Q2. Who is this scheme for?
Ans. Primarily for those eligible residents of West Bengal, who are not covered under Ayushman Bharat PM-JAY and fulfill other eligibility conditions of the scheme.
Q3. Is cashless treatment available under this scheme?
Ans. Yes, the main benefit of the scheme is cashless treatment in eligible hospitals.
Q4. Will everyone get the benefits of this scheme?
Ans. No. The scheme has specific eligibility criteria. Only residents of West Bengal are not guaranteed to get the benefits.
Q5. When was the Mukhya Mantri Swasthya Bima Yojana launched?
Ans. The scheme was officially launched in West Bengal on 16 August 2026.
Conclusion
The Mukhya Mantri Swasthya Bima Yojana is an important health insurance initiative for eligible families in West Bengal. This Yojana can be especially important for those who are not getting the benefits of the Ayushman Bharat scheme.
However, since it is a new scheme, the eligibility, application procedure, list of hospitals and other rules may be updated over time. Therefore, it is advisable to check the latest government information before applying or seeking treatment.
For government information: Follow the official website of the West Bengal Government and the guidelines of the concerned health department.