Mukhyamantri Swasthya Bima Yojana West Bengal: Cashless Treatment upto Rs 5 Lakh – Check Eligibility

Chief Minister of West Bengal, Mr Suvendu Adhikari, took another step toward fulfilling a promise and launched the Mukhyamantri Swasthya Bima Yojana from 28 July 2026. This Chief Minister’s Health Scheme of West Bengal will come into effect after the official announcement. In this MMSBY, eligible families will get health coverage of Rs.5 lakh. In this scheme, the health coverage benefits are given to families who are not covered under the Ayushman Bharat Scheme, which is already implemented in the state.

• Total 5 lakh rupees Health Coverage given to eligible families of West Bengal.
• All that West Bengal Families who do not qualify for the Centre Government Health Insurance scheme, Ayushman Bharat Yojana, will cover in the scheme.
• The annual income of the eligible families must be More than 8 lakh rupees annually.

Mukhyamantri Swasthya Bima Yojana West Bengal

Finally, this CM’s Health Insurance scheme was rolled out across the state of West Bengal. And the official notification to implement this scheme was also released by the government to the different health agencies of the state. In the notification, the government declared that the resident citizens of the WB state who are not covered under the Ayushman Bharat Yojana will be covered in this MMSBY. Eligible Families having an annual income of more than rupees 8 Lakh per year, along with them the government employees and pensioners, will also be covered in the state.

But the senior citizens of the state who are aged 70 years or above are excluded from this scheme, because they are eligible to get the benefits from the Ayushman Bharat Yojana. The treatment under this scheme will be provided cashless. Every eligible family, after completing the registration and verification, will be eligible to receive the Health card as expected.

The previous health scheme, i.e., the Swasthya Sathi scheme of the state, provide the Cashless Treatment only in Hospitals available in the state, but this scheme is applicable in government and private hospitals in all over India. Because there are so many people who are eligible for the scheme but working outside the state. So, with the help of this during their work time or travelling time, they will get the best health care services from the side of the government.

Summary of MMSBY West Bengal

Complete Name	Mukhyamantri Swasthya Bima Yojana
Short Name	MMSBY
Beneficiaries	Permanent citizens of the state who are not covered under the Ayushman Bharat Yojana
Benefits Offer	Cashless treatment up to Rs.5 Lakhs per year
Eligibility	Annual income more than 8 Lakhs rupees
Officially announced on	27 July 2026
Announced By	CM of the state
Valid in	Listed Government and Private Hospitals all over India

Objective of Mukhyamantri Swasthya Bima Yojana West Bengal

To reduce the Big medical expenses and to provide better health care services to the people who are not covered by the Ayushman Bharat Yojana; now West Bengal has announced this scheme. By launching this scheme, the government wants to provide them financial and medical Security. People who are covered under this scheme will get cashless medical treatment at listed government and private hospitals all over India.

Highlights of the Scheme

• Firstly, the MMSBY scheme provides cashless medical coverage of Rs.5 Lakhs per year to each family on a floater basis.
• If at the time of treatment, any of the beneficiaries pays the expenses from their pocket, then they cannot claim again to get the amount.
• All the eligible people are entitled to get only one health scheme benefit.
• There is no limit for the family size.
• Diseases that are already present in any of the family members are not covered in the scheme.
• This scheme provides benefits in all the listed government and private hospitals of the state.

Which Families are Eligible Under MMSBY?

• All residential Families of West Bengal State.
• Families who are not included or covered in the Centre Government Scheme, i.e. Ayushman Bharat Yojana.
• The annual income for this scheme must be above rupees 8 Lakhs.

Who Cannot Apply?

• All individuals or Senior Citizen with age 70 years or above are not eligible for this scheme because they are covered under the Ayushman Bharat Yojana.
• All government employees or pensioners who are already getting benefits from any other scheme are also not eligible for this scheme.

Checklist of Documents Required

To verify your true identity and for verification need to submit the following essential documents.

• Aadhaar Card of the applicant and all the family members of the applicant who are going to be enrolled under this scheme.
• To check the Family Size, a ration card is also required, so that a single health card will be issued for the family.
• Photograph of the family members with the head member.
• Annual Income certificate with income limit Rs.8 Lakhs or above.
• West Bengal Domicile or residence proof documents like Voter Card, bill, etc.
• Declaration form given by applicant.
• For verification and to get all the updates of the scheme, kindly submit your active mobile Number. You also get card updates on your mobile number through notifications.

How to Become Beneficiaries of Mukhyamantri Swasthya Bima Yojana West Bengal?

• Need to wait for the Official Website of the MMSBY.
• Then access the portal and find the link for Mukhyamantri Swasthya Bima Yojana registration.
• Now, using an Aadhaar card and mobile number, complete the registration and then login in to the account.
• Now, here you have to click on Apply Online for Mukhyamantri Swasthya Bima Yojana.
• Fill in details like Name, District Name, your area and then complete details about the Family Members like their Name, Age, Occupation, Aadhaar card number, etc.
• One by one, upload the essential documents with the form.
• Always double-check the details you enter and then finally submit your form.

Participate in Jal Kalyan Shivir Camp for the Application Process

If you are not willing to fill out the form through online mode, then you can apply offline with the help of Jal Kalyan Shivir Camp organised by the West Bengal Government. In these Camps, you after taking the help from the officials, easily fill the form. At the time of participating in the camp, bring your documents.

FAQ’s