A sudden illness or hospital stay can wipe out a family’s savings. To protect families from big hospital bills, the West Bengal government started the Mukhyamantri Swasthya Bima Yojana (MMSBY) in 2026. It gives cashless treatment of up to ₹5 lakh per family every year to families who are not covered under Ayushman Bharat.
In this guide, you will learn in simple words what this new scheme is, who is eligible, which documents you need, how to do Mukhyamantri Swasthya Bima Yojana West Bengal online apply, what to know about the form PDF and offline form, and how it is different from Swasthya Sathi and Ayushman Bharat.
Please note: This is a new scheme, launched on 16 August 2026. Some steps, like the online form and card download, are still being set up. We will keep this page updated. Always check with your nearest government hospital, Block Development Office or municipality for the latest process.
| Point | Details |
|---|---|
| Scheme name | Mukhyamantri Swasthya Bima Yojana (MMSBY) |
| In Bengali | মুখ্যমন্ত্রী স্বাস্থ্য বীমা যোজনা |
| State | West Bengal |
| Launched on | 16 August 2026 (along with Ayushman Bharat in West Bengal) |
| Run by | Health and Family Welfare Department, Government of West Bengal |
| Health cover | Up to ₹5 lakh per family per year (family floater) |
| Type of treatment | Cashless, for hospital admission (secondary and tertiary care) |
| Who can get it | West Bengal families not covered under Ayushman Bharat, with annual income up to ₹8 lakh |
| Families expected | About 80 lakh families |
| Hospitals | Ayushman Bharat empanelled hospitals in West Bengal and across India |
| Cost to apply | Free |
| Verification portal | Click Here |
What Is Mukhyamantri Swasthya Bima Yojana West Bengal?
For many years, West Bengal had its own health scheme called Swasthya Sathi, which covered almost every family in the state. In 2026, the state decided to join the central Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
But Ayushman Bharat does not cover every family. It covers only families that meet its selection rules (mainly based on the SECC 2011 list and some worker groups), plus all senior citizens aged 70 and above. So, many families who had Swasthya Sathi would have been left without cover.
To fill this gap, the state launched the Mukhyamantri Swasthya Bima Yojana. It gives the same ₹5 lakh cover to families who are left out of Ayushman Bharat.
Key Events in Simple Words
| Date | What happened |
|---|---|
| December 2016 | Swasthya Sathi health scheme started in West Bengal |
| May 2026 | New state government announced that Ayushman Bharat will be rolled out in West Bengal |
| June 2026 | West Bengal signed an agreement (MoU) with the National Health Authority for Ayushman Bharat |
| Late July 2026 | Mukhyamantri Swasthya Bima Yojana announced for families outside Ayushman Bharat |
| 16 August 2026 | Ayushman Bharat and Mukhyamantri Swasthya Bima Yojana launched together in West Bengal |
| Transition period | Swasthya Sathi continues for a short period while families move to the new schemes |
Swasthya Sathi vs Ayushman Bharat vs Mukhyamantri Swasthya Bima Yojana
| Point | Swasthya Sathi (old) | Ayushman Bharat PM-JAY | Mukhyamantri Swasthya Bima Yojana |
|---|---|---|---|
| Run by | West Bengal government | Central and state government | West Bengal government |
| Who is covered | Almost all families of West Bengal | Families in the PM-JAY list and all people aged 70+ | Families not in PM-JAY, income up to ₹8 lakh |
| Health cover | ₹5 lakh per family per year | ₹5 lakh per family per year | ₹5 lakh per family per year |
| Hospitals | Mostly inside West Bengal | Empanelled hospitals across India | Ayushman Bharat empanelled hospitals across India |
| Status in 2026 | Being phased out after a short transition | Active since 16 August 2026 | Active since 16 August 2026 |
How Many Families Are Covered?
As per the figures shared at the launch, the two schemes together cover a very large part of West Bengal.
In addition, about 35 to 40 lakh senior citizens aged 70 and above are covered under Ayushman Bharat, whatever their income.
Benefits of Mukhyamantri Swasthya Bima Yojana
| Benefit | Details |
|---|---|
| Health cover | Up to ₹5 lakh per family every year |
| Cashless | No need to pay at the hospital for covered treatment |
| Family floater | The ₹5 lakh can be used by any member of the family |
| Hospitals | Ayushman Bharat empanelled hospitals in West Bengal and other states |
| Treatment packages | About 1,950 treatment packages (as per the launch announcement) |
| Big surgeries | Includes procedures like knee and hip replacement |
| Old illnesses | Pre-existing diseases are covered (as reported) |
| Card fee | Free |
Important: The scheme is cashless only. If you pay the hospital bill yourself, you may not get the money back. Always use the scheme at an empanelled hospital and show your details at the time of admission.
Mukhyamantri Swasthya Bima Yojana West Bengal Eligibility
Who Can Get the Benefit?
- The family must be a permanent resident of West Bengal.
- The family should not be covered under Ayushman Bharat PM-JAY.
- The annual family income should be up to ₹8 lakh.
- Family members should have Aadhaar, as Aadhaar verification is needed at enrolment and at the hospital.
Who Is Not Eligible?
- Families already covered under Ayushman Bharat PM-JAY
- People aged 70 years or above (they are covered under Ayushman Bharat instead)
- People covered under CGHS, West Bengal Health Scheme (WBHS) or ESI
- Employees of public sector units who already have group health insurance
- Families with an annual income above ₹8 lakh
- As per news reports, people whose citizenship applications under the CAA are pending
Which Scheme Covers Your Family?
Follow this simple chart to find out which scheme is for you.
Documents Required for Mukhyamantri Swasthya Bima Yojana
| Document | Why it is needed |
|---|---|
| Aadhaar card of all family members | Identity and Aadhaar verification (e-KYC) |
| Digital ration card | Shows the family members |
| Aadhaar-linked mobile number | For OTP during verification |
| Voter ID (EPIC) | For residence and identity check |
| Swasthya Sathi card or URN | If your family had Swasthya Sathi (reported as needed in the form) |
| Address proof of West Bengal | To show permanent residence |
| Income certificate or self-declaration | To show annual family income up to ₹8 lakh, if asked |
| Family photograph | If asked during enrolment |
Tips Before You Apply
- Make sure the names and dates of birth are the same on Aadhaar and the ration card.
- Link your mobile number with Aadhaar, as OTP verification is used.
- Keep your Swasthya Sathi URN ready if you had a Swasthya Sathi card.
Mukhyamantri Swasthya Bima Yojana West Bengal Online Apply
As of early October 2026, the state has not launched a separate MMSBY website. As per reports from September 2026, verification and e-KYC for MMSBY are being done through the National Health Authority (NHA) beneficiary portal, the same portal used for Ayushman Bharat.
Online Verification and e-KYC: Step by Step
- Open the NHA beneficiary portal. To open it directly, Click Here.
- Log in with your mobile number and the OTP sent to you.
- Select the state as West Bengal and choose the scheme (Mukhyamantri Swasthya Bima Yojana or Ayushman Bharat, as shown).
- Search for your family record using Aadhaar, ration card or other details shown on the page.
- If your name is shown, complete Aadhaar e-KYC (OTP or face authentication).
- Check your family details and submit.
- After approval, you can download your health card when the option is available.
The scheme name and steps on the portal may change as the state finishes setting up the new scheme. If your record is not found online, use the offline method below.
Online Process at a Glance
Mukhyamantri Swasthya Bima Yojana Offline Form and Apply Process
If you cannot do it online, you can get help offline.
Where to Apply Offline
- Government field teams: As per reports, verification teams are visiting homes with forms.
- Hospitals: Empanelled hospitals have help desks (Arogya Mitra) that can check and verify your record.
- Block Development Office (BDO) in villages, or the municipality office in towns.
- Government camps organised in your area.
Steps to Apply Offline
- Visit your nearest BDO office, municipality office, government camp or the help desk of an empanelled hospital.
- Ask for the Mukhyamantri Swasthya Bima Yojana form or verification.
- Fill in your family details carefully.
- Attach copies of Aadhaar, ration card, voter ID and other documents.
- Complete Aadhaar verification (fingerprint or OTP).
- Take the acknowledgement slip and keep it safe.
Mukhyamantri Swasthya Bima Yojana Form PDF: What You Should Know
| Question | Answer |
|---|---|
| Is there an official MMSBY form PDF online? | As of early October 2026, no separate official MMSBY form PDF has been published on a government website, as per reports |
| What form was used for Swasthya Sathi? | Swasthya Sathi enrolment used “Form B”, available on the Swasthya Sathi portal |
| Where can I get the MMSBY form? | From government field teams, camps, BDO or municipality offices |
| Is the form free? | Yes. Do not pay anyone for the form |
Be careful: Many websites share “MMSBY form PDF” files that are not from the government. Use only forms given by government offices or official portals.
How to Use Mukhyamantri Swasthya Bima Yojana at a Hospital
- Go to an Ayushman Bharat empanelled hospital (government or private).
- Visit the Arogya Mitra help desk at the hospital.
- Show your Aadhaar card and your health card or record details.
- Complete Aadhaar authentication at the help desk.
- The hospital checks your eligibility and gets approval for your treatment.
- Get your treatment without paying for covered services.
Tip: You may also be asked for your ABHA ID (Ayushman Bharat Health Account) at the time of admission. You can create one for free.
Mukhyamantri Swasthya Bima Yojana Status Check
- Open the NHA beneficiary portal. To open it directly, Click Here.
- Log in with your mobile number and OTP.
- Select West Bengal and search for your family record.
- Check whether your name is shown as eligible, verified or approved.
- If your family is not found, visit your BDO, municipality office or the hospital help desk.
Mukhyamantri Swasthya Bima Yojana in Bengali
Many readers search for this scheme in Bengali. Here are the main words in Bengali to help you.
| English | Bengali |
|---|---|
| Mukhyamantri Swasthya Bima Yojana | মুখ্যমন্ত্রী স্বাস্থ্য বীমা যোজনা |
| Online apply | অনলাইন আবেদন |
| Form | ফর্ম |
| Eligibility | যোগ্যতা |
| Health card | স্বাস্থ্য কার্ড |
| Documents | নথিপত্র |
| ₹5 lakh health cover per family | পরিবার প্রতি ৫ লক্ষ টাকা পর্যন্ত স্বাস্থ্য বীমা |
Common Mistakes and How to Avoid Them
| Mistake | What happens | How to fix it |
|---|---|---|
| Paying the hospital bill yourself | Money may not be paid back | Always use the scheme cashless at an empanelled hospital |
| Aadhaar and ration card details do not match | Verification fails | Correct the details first |
| Mobile number not linked with Aadhaar | OTP is not received | Link your mobile with Aadhaar |
| Applying under MMSBY when already in Ayushman Bharat | Duplicate record | Check your PM-JAY status first |
| Downloading forms from unknown websites | Wrong or fake form | Use only government offices or official portals |
| Paying an agent | Risk of fraud | The scheme and card are free |
Helpline and Contact Details
| Purpose | Contact |
|---|---|
| Ayushman Bharat national helpline | 14555 |
| Swasthya Sathi helpline (during transition) | 1800-345-5384 |
| West Bengal Health Department | wbhealth.gov.in |
| NHA beneficiary portal | beneficiary.nha.gov.in |
| Local help | BDO office, municipality office or hospital help desk |
A separate MMSBY helpline number had not been announced as of early October 2026. Please check the West Bengal Health Department website for updates.
Frequently Asked Questions (FAQ)
What is Mukhyamantri Swasthya Bima Yojana West Bengal?
It is a new health insurance scheme of the West Bengal government, launched on 16 August 2026. It gives cashless treatment of up to ₹5 lakh per family per year to families who are not covered under Ayushman Bharat.
How is it different from Swasthya Sathi?
Swasthya Sathi covered almost every family in West Bengal. It is now being replaced by Ayushman Bharat and MMSBY. MMSBY covers families who are left out of Ayushman Bharat, and treatment is available at Ayushman Bharat empanelled hospitals across India.
Who is eligible for Mukhyamantri Swasthya Bima Yojana?
Permanent residents of West Bengal who are not covered under Ayushman Bharat PM-JAY and have an annual family income of up to ₹8 lakh are eligible. People covered under CGHS, WBHS or ESI and people aged 70 or above are not covered under this scheme.
How do I apply for Mukhyamantri Swasthya Bima Yojana West Bengal online?
As of early October 2026, there is no separate MMSBY website. Verification and e-KYC are being done on the NHA beneficiary portal (beneficiary.nha.gov.in). Log in with your mobile and OTP, select West Bengal and the scheme, search your record, and complete Aadhaar e-KYC.
Is there a Mukhyamantri Swasthya Bima Yojana form PDF?
No separate official form PDF had been published online as of early October 2026, as per reports. You can get the form from government field teams, camps, BDO or municipality offices. Avoid forms from unknown websites.
How can I apply offline?
Visit your BDO office, municipality office, a government camp or the help desk of an empanelled hospital. Fill in the form, attach your documents, complete Aadhaar verification and keep the acknowledgement slip.
How much health cover will I get?
You get cashless treatment of up to ₹5 lakh per family every year. Any member of the family can use this amount.
Can I use this scheme outside West Bengal?
Yes. Treatment is available at Ayushman Bharat empanelled hospitals across India, as per the launch announcement.
My family is already covered under Ayushman Bharat. Should I apply for MMSBY?
No. If your family is covered under Ayushman Bharat PM-JAY, you will get treatment under that scheme. MMSBY is only for families who are not covered under Ayushman Bharat.
Are senior citizens covered?
Yes, but under Ayushman Bharat, not MMSBY. All people aged 70 years and above are covered under Ayushman Bharat, whatever their income.
What happens to my Swasthya Sathi card?
Swasthya Sathi is running for a short transition period. After that, families will be covered under Ayushman Bharat or MMSBY. Keep your Swasthya Sathi URN, as it may be asked during MMSBY verification.
Is there any fee to apply?
No. Enrolment and the health card are free. Do not pay any agent.
What is the helpline number for Mukhyamantri Swasthya Bima Yojana?
A separate MMSBY helpline had not been announced as of early October 2026. You can call the Ayushman Bharat helpline 14555, or the Swasthya Sathi helpline 1800-345-5384 during the transition.
Can I find information about this scheme in Bengali?
Yes. In Bengali, the scheme is called মুখ্যমন্ত্রী স্বাস্থ্য বীমা যোজনা. Government offices and hospital help desks in West Bengal can guide you in Bengali.
Sources We Used
- News on AIR: Ayushman Bharat scheme to be launched in West Bengal (23 May 2026)
- News on AIR: Ayushman Bharat formally launched in West Bengal, with the Mukhyamantri Swasthya Bima Yojana for those not covered (16 August 2026)
- Outlook Money: West Bengal rolls out ₹5 lakh health cover outside Ayushman Bharat (30 July 2026) and Ayushman Bharat rollout from 16 August (15 August 2026)
- Digital Health News: Chief Minister on coverage under the state scheme and Ayushman Bharat (17 August 2026)
- Reports on MMSBY e-KYC through the NHA beneficiary portal (September 2026)
Important Links
These important links are collected for you by yojanabot.com. Click on any link to open the page.
| What You Need | Link |
|---|---|
| Application / e-KYC (NHA Beneficiary Portal) | Click Here |
| Official Site (West Bengal Health Department) | Click Here |
| Swasthya Sathi Portal (Form B and old card details) | Click Here |
| Ayushman Bharat PM-JAY Official Site | Click Here |
| Create ABHA Health ID | Click Here |
| PM Surya Ghar Muft Bijli Yojana | Click Here |
| Other Yojana Info | Click Here |
| Home Page | Click Here |