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WB Mukho Montri Swasthay Bima Yojana
MMSBY โ WB Mukhya Mantri Swasthya Bima Yojana
West Bengal’s new cashless health protection scheme for families covered under Swasthya Sathi but not under AB PM-JAY.
What is MMSBY?
MMSBY โ full form Mukhya Mantri Swasthya Bima Yojana โ is a new government health protection scheme launched by the Government of West Bengal (Department of Health & Family Welfare) on 25 July 2026. It is designed to provide comprehensive cashless health coverage to permanent residents of West Bengal who are enrolled under the Swasthya Sathi scheme but are not covered under AB PM-JAY (Ayushman Bharat).
The scheme was approved by the West Bengal Cabinet on 22 July 2026 (Cabinet No. 99) and officially notified on 25 July 2026 vide Memo No. HF/O/SS/ABPMJAY/MMSBY/447/217. It aims to eliminate financial hardship arising from illness and adverse health conditions.
Eligibility โ Who Can Apply?
Understand clearly who qualifies for MMSBY and who is excluded under the official West Bengal Government notification.
โ Eligible Beneficiaries
- Permanent residents of West Bengal
- Already enrolled under Swasthya Sathi Scheme
- NOT covered under AB PM-JAY (Ayushman Bharat)
- Family income below โน8 lakh per annum
- Not covered under any Central/State Government health scheme
- Individuals with pending CAA/SIR Adjudication Tribunal applications (if all other criteria are met)
โ Who is NOT Eligible (Excluded)
- Any person whose family income exceeds โน8 lakh per annum
- Employees/pensioners under West Bengal Health Scheme, 2008
- Employees/pensioners under Central Government Health Scheme (CGHS), 1954
- Those covered under ESI Act, 1948
- Employees under any Group Medical Insurance Scheme of Central/State PSUs, Urban Local Bodies, Statutory Bodies, Corporations, Trusts/Societies
- Employees/pensioners drawing Medical Allowance as per Government Rules
- Family members above 70 years of age (already covered under Ayushman Vay Vandana Scheme)
- Any other category notified by the State Government from time to time
- SIR deleted names including those in absentee/dead/shifted/duplicate lists
โ ๏ธ Special Case: Pending Tribunal/SIR/CAA Applications
Individuals who have pending applications before any competent authority of CAA or SIR Adjudication Tribunal shall NOT be excluded, provided they satisfy all other eligibility criteria under MMSBY.
Key Features of MMSBY Scheme
The WB Mukhya Mantri Swasthya Bima Yojana comes packed with people-first features designed for hassle-free health access.
โน5 Lakh Floater Cover
Cashless health insurance of โน5 lakh per family per annum on a floater basis โ entire family shares the cover.
No Reimbursement Hassle
There is no scope of reimbursement. All treatment is cashless directly at the hospital โ zero out-of-pocket process.
Individual Health Card
Cards are issued per individual member of the family, completely free of cost. Family-based scheme with individual cards.
No Family Size Cap
All family members are covered regardless of family size โ large families get the same โน5 lakh protection.
Pre-Existing Diseases Covered
All pre-existing diseases are covered from day one. No waiting periods for existing health conditions.
100% IT Platform Monitoring
Entire scheme monitored on IT platform from day one using AB PM-JAY’s TMS and BIS infrastructure.
Aadhaar Authentication
Aadhaar-based authentication is mandatory during enrollment, hospital admission, and discharge.
Pan-India Hospital Access
Available at all AB PM-JAY empanelled hospitals across India โ not just within West Bengal.
AB PM-JAY Treatment Guidelines
Treatments follow AB PM-JAY guidelines. ABHA usage is mandatory for all beneficiaries.
MMSBY โ Scheme at a Glance
| Detail | Information |
|---|---|
| Scheme Full Name | Mukhya Mantri Swasthya Bima Yojana (MMSBY) |
| Launched By | Government of West Bengal, Department of Health & Family Welfare |
| Official Notification Date | 25 July 2026 |
| Cabinet Approval Date | 22 July 2026 (Cabinet No. 99) |
| Memo Number | HF/O/SS/ABPMJAY/MMSBY/447/217 |
| Coverage Amount | โน5 Lakh per family per year (Floater Basis) |
| Type of Coverage | Cashless (No Reimbursement) |
| Card Cost | Free (Issued at zero cost) |
| Family Size Limit | No Cap |
| Pre-existing Diseases | Fully Covered from Day 1 |
| Hospital Network | All AB PM-JAY Empanelled Hospitals (Pan-India) |
| Authentication | Aadhaar-based (Mandatory) |
| Nodal Department | Dept. of Health & Family Welfare, Govt. of West Bengal |
| Implementing Agency | State Health Agency, West Bengal |
| Definition of Family | As per Socio Economic and Caste Census (SECC) 2011 / AB PM-JAY |
| Platform Used | AB PM-JAY TMS (Transaction Management System) & BIS (Beneficiary Identification System) |
How to Apply for MMSBY
The application process will be managed by the State Health Agency, West Bengal. Here is the expected step-by-step process.
Check Your Eligibility
Confirm that you are enrolled under Swasthya Sathi scheme, are a permanent WB resident, and do not fall under any excluded category listed above.
Download the Application Form
Download the official MMSBY application form using the link provided on this page. Fill in all details accurately.
Prepare Required Documents
Keep ready: Aadhaar card, Swasthya Sathi card, income certificate (if required), proof of West Bengal residence, and family documents.
Submit Application
Submit to the designated State Health Agency / District Magistrate’s office or as notified officially. The process will be IT-platform based.
Aadhaar Verification & Card Issuance
Upon verification using Aadhaar authentication, your free MMSBY individual health card will be issued for cashless treatment at empanelled hospitals.
๐ฅ Download MMSBY Application Form
Click below to download the official Mukhya Mantri Swasthya Bima Yojana (MMSBY) application form. Fill it accurately and submit as per official instructions from the State Health Agency, West Bengal.
๐ Download Form Now (Google Drive)Frequently Asked Questions (FAQs)
Top questions about MMSBY โ WB Mukhya Mantri Swasthya Bima Yojana answered clearly.
What is MMSBY? What is the full form of MMSBY?
MMSBY stands for Mukhya Mantri Swasthya Bima Yojana. It is a new health insurance scheme launched by the Government of West Bengal on 25 July 2026 to provide cashless health coverage of โน5 lakh per family per year to permanent residents of West Bengal who are enrolled under Swasthya Sathi but not covered under AB PM-JAY (Ayushman Bharat Pradhan Mantri Jan Arogya Yojana).
What is WB Mukho Montri Swasthay Bima Yojana? Is it the same as MMSBY?
Yes. WB Mukho Montri Swasthay Bima Yojana (in Bengali: เฆฎเงเฆเงเฆฏเฆฎเฆจเงเฆคเงเฆฐเง เฆธเงเฆฌเฆพเฆธเงเฆฅเงเฆฏ เฆฌเฆฟเฆฎเฆพ เฆฏเงเฆเฆจเฆพ) is the same scheme known as Mukhya Mantri Swasthya Bima Yojana or MMSBY. It is West Bengal’s new 2026 health protection scheme offering โน5 lakh cashless treatment for eligible families.
Who is eligible for MMSBY West Bengal 2026?
Any permanent resident of West Bengal who is already enrolled under the Swasthya Sathi scheme and is NOT covered under AB PM-JAY is potentially eligible, subject to exclusion criteria. Their family income must be below โน8 lakh per annum, and they must not be covered under any other government health scheme such as WBHS, CGHS, ESI, or Group Medical Insurance.
What is the health cover amount under MMSBY?
MMSBY provides cashless health insurance of โน5 lakh per family per annum on a floater basis. All family members share this โน5 lakh cover across the year.
Is the MMSBY health card free?
Yes. The individual health card under MMSBY is issued completely free of cost. There is no registration fee or premium for eligible beneficiaries.
Are pre-existing diseases covered under MMSBY?
Yes. All pre-existing diseases are covered from day one under the MMSBY scheme. There is no waiting period for any pre-existing conditions.
Can I use MMSBY at hospitals outside West Bengal?
Yes. Treatment under MMSBY is available at all AB PM-JAY empanelled hospitals across India, not just in West Bengal. This gives nationwide hospital coverage to eligible beneficiaries.
Is Aadhaar mandatory for MMSBY enrollment and treatment?
Yes. Aadhaar-based authentication is mandatory at all three stages โ during enrollment, at the time of hospital admission, and at the time of discharge โ for MMSBY beneficiaries.
Is there a cap on family size for MMSBY benefits?
No. There is no cap on family size under MMSBY. Regardless of how large the family is, all members are covered under the floater cover of โน5 lakh per year.
Who is NOT eligible for MMSBY โ excluded categories?
The following are excluded from MMSBY: (1) Families with income above โน8 lakh/year, (2) Employees/pensioners under WBHS 2008, CGHS 1954, or ESI Act 1948, (3) Those under Group Medical Insurance from PSUs or Government bodies, (4) Employees drawing Medical Allowance, (5) Family members above 70 years (covered under Ayushman Vay Vandana), (6) SIR deleted names (dead/shifted/duplicate lists), and (7) Any other category notified by the State Government.
What is the difference between Swasthya Sathi and MMSBY?
Swasthya Sathi was the previous West Bengal government health scheme. MMSBY is a new additional layer of protection specifically for people already on the Swasthya Sathi database who are not covered under the central AB PM-JAY. MMSBY uses the AB PM-JAY infrastructure, empanelled hospitals, and treatment guidelines, offering portability across India.
What is the definition of “family” under MMSBY?
The definition of family under MMSBY follows the Socio Economic and Caste Census (SECC) 2011 as used under AB PM-JAY. There is no restriction on family size.
Which department is implementing MMSBY?
The Department of Health & Family Welfare, Government of West Bengal is the Nodal Department, and the State Health Agency, West Bengal is the implementing agency for MMSBY.
Can I avail reimbursement for treatment under MMSBY?
No. There is no scope for reimbursement under MMSBY. The scheme is entirely cashless โ treatment costs are settled directly between the hospital and the scheme. Beneficiaries do not pay out-of-pocket and cannot claim reimbursement.
When was MMSBY officially launched?
MMSBY was officially notified on 25 July 2026 by the Principal Secretary, Department of Health & Family Welfare, Government of West Bengal, following Cabinet approval on 22 July 2026 (Cabinet No. 99). The Memo number is HF/O/SS/ABPMJAY/MMSBY/447/217.
For official updates, always refer to the West Bengal Health & Family Welfare Department portal. This page is based on the official notification dated 25 July 2026.
๐ฅ Download MMSBY Application FormWB Mukho Montri Swasthay Bima Yojana (MMSBY)
