Mukh Mantri Sehat Bima Yojana

What it offers: Universal annual cashless health cover of ₹10 lakh per family for all 65 lakh households, doubling the previous ₹5 lakh limit
Rollout date: Starting 2 October 2025. Health cards will be issued via Seva Kendras, CSCs, and online with Aadhaar or voter ID
Empanelled hospitals: Over 550 private hospitals are already on board, with a target to reach 1,000
Target population: Entire Punjab population (approx. 3 crore people) infected with no restrictions on income, age, or gender 

• ₹778 Cr already allocated in Budget when scheme announced in 2025-2026

• Cashless & paperless treatment in govt + private hospitals

• No income bar | No family size limit

  Comparison with Aayushman

Mukh Mantri Sehat Bima Yojana (Punjab, 2025)
Who is eligible?
All residents of Punjab — no income, caste, or age restrictions.
Approx. 65 lakh families covered.

How to Apply / Get the Card
Available from: October 2, 2025
Steps:
1. Visit a Seva Kendra or Common Service Centre (CSC) near you.
2. Carry: Aadhaar card or Voter ID
3. You’ll be verified and issued a Health Card under the scheme.
4. You can also check online (portal to be launched soon, as per officials).

Where to use it?
Over 550 private hospitals already empanelled (goal: 1,000)
All government hospitals in Punjab.

Ayushman Bharat – PM-JAY (National)
Who is eligible?
1. Families listed in SECC 2011 (Socio-Economic Caste Census).
2. Eligibility based on deprivation criteria (like landless laborers, SC/ST, single women households, etc.)

Mukh Mantri Sehat Bima Yojana (MMSBY) will not replace primary health care in Punjab — it is designed to complement it.

What It Does Not Replace

The scheme does not replace or eliminate:

• Primary health care services, such as:

  • Immunizations

  • OPD consultations

  • Family planning

  • Tuberculosis treatment

  • Malaria surveillance

  • Routine health checkups

These are still delivered through:

• Government primary health centers (PHCs)

• Sub-centers

• Urban Health & Wellness Centres

These services remain free and publicly funded, and are outside the insurance scheme.

What the Health Card Does Cover

The MMSBY focuses on:

• Cashless hospitalisation (secondary and tertiary care)

• ₹10 lakh annual coverage per family

• Includes surgeries, treatments like:

  • Cancer care

  • Cardiac procedures

  • Kidney dialysis

  • Accidents, maternity complications, etc

This is insurance-based coverage — used when you're admitted to a hospital.

Why This Matters

Summary

• MMSBY = for serious hospital treatments

• PHCs & Govt clinics = for everyday health care

Covered Services Under Mukh Mantri Sehat Bima Yojana

• Cashless inpatient care: Includes secondary and tertiary treatment like heart surgeries, cancer care, dialysis, joint replacements, etc.

• Pre- & post-hospitalization: Covers 3 days before admission and 15 days after discharge.

• Newborn treatment: Includes care for newborns as part of the family’s entitlement.

• 1579 treatment packages: Comprehensively covers a wide range of procedures and conditions

• ₹5 lakh cap under PM-JAY MMSBY, topped up to ₹10 lakh per family with the Punjab top‑up

Here are some of the new or upcoming hospitals and healthcare projects in Punjab (2024–2025):

Government & Public Hospitals

• 30-bed Community Health Centre (CHC), Longowal (Sangrur)
  Foundation stone laid in May 2025. The state-of-the-art facility (₹11 Cr) will serve nearly 1.92 lakh people and include OPD, maternity, basic surgeries, labs, and emergency services 

• New 30-bed Government Hospital, Ludhiana North Opened in December 2024 with phased rollout (10 beds initially, expanding to 30). Services include OPD, emergency, dental, MCH, X-rays, labs, and dialysis

• PGIMER Satellite Centre, Sangrur
  A 300-bed tertiary hospital established in 2016, supported by PGIMER Chandigarh. While not brand-new, it's a vital modern facility serving central Punjab

• AIIMS Bathinda
  Operational since late 2019 with 750 planned beds and a 100-seat MBBS intake, it's a major tertiary care and teaching hospital in Bathinda

• New AIIMS-style Hospital in Chandigarh (serving Greater Punjab)
  In planning stages (as of November 2024): a proposed 2,000-bed centre of excellence near Sector 53/Sarangpur, budgeted around ₹500 Cr 

Private & PPP Hospitals

• Krishna Superspeciality Hospital by Park Group, Bathinda
  Relaunched in July 2025, this 250-bed, 30‑specialty hospital includes ICU, NICU, CCU, trauma, advanced labs, and imaging

• New 625+ Bed Apollo–Jujhar Hospital, Mohali
  Announced in February 2025, this upcoming multi-specialty centre near Chandigarh Airport will offer cardiology, oncology, neuro, ortho, gastroenterology, etc. 

• 500-bed Paras Hospital, Ludhiana
  Foundation stone laid November 2024, set to open by FY 2028. Will feature modern technology and multi-specialty care

Integrative & Specialty Centres

• National Institute of Ayurveda (NIA), Panchkula
  Slated to open soon (80% complete), this 100-bed government hospital will combine allopathy and Ayurveda, with OPD/IPD, diagnostics (CT, X‑ray), 5 modular OTs, and wellness programs 

• Homi Bhabha Cancer Hospital & Research Centre, Mohali
  A 300-bed Tata Memorial cancer hospital, inaugurated in August 2022, offering medical, surgical, radiation oncology, advanced imaging, and research facilities

Under Development & Planning

• Polyclinic Hospital, Pinjore (Haryana–Punjab border)
  Approved in 2020 (₹7.5 Cr) but remains incomplete after five years; current facility lacks basic diagnostics, forcing residents to travel 

• Punjab PPP Pilot Hospitals The state is considering pilot public-private partnerships to manage specialist-staffed hospitals amid chronic shortages of paediatricians, gynaecologists, etc.