WB Mukhyamantri Swasthya Bima Yojana (MMSBY) || Cashless Treatment upto Rs 5 Lakh

WB Mukhyamantri Swasthya Bima Yojana (MMSBY) || Cashless Treatment upto Rs 5 Lakh: The West Bengal Mukhyamantri Swasthya Bima Yojana (MMSBY) is a newly launched, state-funded health insurance scheme introduced on July, 2026, by the West Bengal Government. The scheme serves as a secondary financial safety net, providing ₹5 lakh in cashless health insurance coverage per family, per year specifically to permanent residents who are already registered under the state’s Swasthya Sathi framework but are excluded from the central government’s Ayushman Bharat (AB PM-JAY) scheme.

Mukhyamantri Swasthya Bima Yojana (MMSBY) is a state-level health insurance initiative launched across multiple Indian states to provide financial protection and cashless hospitalisation to vulnerable and lower-income families. The most recent and notable update comes from West Bengal, which launched a revised version of the scheme to work alongside the central Ayushman Bharat scheme

🏫 WB Mukhyamantri Swasthya Bima Yojana (MMSBY) || Check Benefits

📋 Key Features & Core Benefits:

• Coverage Amount: Up to ₹5 lakh per family every year on a shared family-floater basis.
• Nationwide Portability: Unlike the older Swasthya Sathi system which was largely restricted to state lines, MMSBY allows you to seek cashless hospitalisation across all Ayushman Bharat-empanelled hospitals in India.
• Hospital Network: Covers treatments at 1,240 private and 627 government hospitals within West Bengal, alongside over 38,000 national network hospitals.
• Day 1 Disease Coverage: Includes coverage for pre-existing diseases right from the first day of enrollment.
• Extensive Treatment Scope: Covers nearly 1,950 to 2,000 ailments, explicitly including expensive procedures like knee replacements and hip surgeries.
• No Size Restrictions: There is no cap on the family size, and individual digital health cards are issued to every family member for free.

💰 West Bengal MMSBY || Key features of the Scheme

✅ Financial & Coverage Limits:

• Annual Cover Amount: Offers up to ₹5 lakh per family, per year.
• Family-Floater Policy: The ₹5 lakh pot is shared across all registered family members.
• No Family Cap: There is no restriction on family size or age limits for inclusion.
• Extended Family Inclusions: Parents and parents-in-law of both spouses can be included on a single card.

✅ Medical Benefits & Day-1 Protections:

• Zero Waiting Period: Covers all pre-existing diseases from Day 1 of enrollment.
• Treatments Covered: Provides coverage for nearly 1,950 to 2,000 disease categories.
• Major Procedures Included: Explicitly funds high-cost interventions like knee and hip replacement surgeries.
• Cashless Treatment: Patients pay nothing out of pocket at the point of care for covered procedures.

✅ Hospital Network & Portability:

• Pan-India Portability: Cardholders can access treatment across all states in India, unlike legacy local plans.
• Expansive Hospital Web: Valid at any hospital empanelled under Ayushman Bharat nationwide.
• West Bengal Network: Instantly accepted across 1,240 private and 627 public hospitals locally.

✅ Administrative & Digital Delivery:

• Free Individual Cards: Every family member receives an individual, digitized health card at no cost.
• Zero Registration Fees: No premiums or registration charges are collected from eligible lower-income families.
• Seamless Integration: Built into the existing Swasthya Sathi portal infrastructure for automated backend data matching.

🎯 WB Mukhyamantri Swasthya Bima Yojana (MMSBY) || Highlights of the Scheme

1. ₹5 Lakh Annual Cover: Provides up to ₹5 lakh per family, per year on a shared family-floater basis.
2. Pan-India Portability: Allows cashless treatment at any of the 38,000+ Ayushman Bharat-empanelled hospitals across India.
3. No Family Cap: No restrictions on family size; both sets of parents (spouses and in-laws) can be added.
4. Day-1 Pre-Existing Coverage: All pre-existing medical conditions are covered from the very first day.
5. 2,000 Treatment Packages: Covers roughly 1,950 to 2,000 ailments, including expensive procedures like knee and hip replacements.
6. Targeted Safety Net: Exclusively covers families earning ₹8 lakh or less annually who are left out of the central Ayushman Bharat scheme.
7. Free Digital Cards: Individual digitized health cards are issued to every family member completely free of cost.
8. Zero Premium Costs: The entire financial premium is borne by the West Bengal State Government.