West Bengal Mukhyamantri Swasthya Bima Yojana Application Form – Eligibility , How to Apply, Required Documents: On July 2026, the Government of West Bengal announced the Mukhyamantri Swasthya Bima Yojana (MMSBY) through an implementation notification issued by the Health and Family Welfare Department. The new state-funded health insurance scheme is intended for residents who are not covered under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) and will provide cashless health insurance coverage of up to ₹5 lakh per family annually. The enrolment process and detailed operational guidelines are yet to be announced.
The scheme will apply to permanent residents of West Bengal who are already covered under Swasthya Sathi but are excluded from Ayushman Bharat. It also includes coverage for pre-existing diseases from the first day, no restriction on family size under the family floater plan, and free individual health cards for eligible beneficiaries.
⚖️ West Bengal Mukhyamantri Swasthya Bima Yojana – Check Eligibility
💼 Who is Eligible?
- State Residency: The applicant must be a permanent resident of West Bengal.
- Income Limit: Total annual family income from all sources must be ₹8 lakh or less.
- Base Scheme Enrollment: The family must be registered under the state’s Swasthya Sathi scheme.
- Central Scheme Exclusion: The family must not be eligible for the central government’s Ayushman Bharat (AB PM-JAY) scheme
🎯 Who is NOT Eligible?
- High Earners: Families with an annual income exceeding ₹8 lakh.
- Ayushman Bharat Cardholders: Anyone already receiving or eligible for AB PM-JAY benefits.
- Senior Citizens (Aged 70+): Individuals who qualify for the national Ayushman Vay Vandana Yojana are excluded from MMSBY.
- Other Institutional Health Panels: Employees or pensioners enrolled in West Bengal Health Scheme (WBHS), Central Government Health Scheme (CGHS), or Employees’ State Insurance (ESI).
- Medical Allowance Recipients: State, central, or parastatal government workers/pensioners drawing a monthly medical allowance.
- Corporate Group Health Beneficiaries: Employees covered under a group medical insurance system via public sector undertakings (PSUs), urban local bodies, or statutory corporations.
🛠️ West Bengal Mukhyamantri Swasthya Bima Yojana (MMSBY) – Required Documents
📝Mandatory Identification Documents:
- Aadhaar Card: Required for every family member being registered under the scheme.
- Khadya Sathi Card: Your Digital Ration Card to confirm family identity and links.
📝 Scheme-Specific Documents:
- Swasthya Sathi Smart Card: Copy of your existing card or your Unique Registration Number (URN).
- Income Certificate: Official proof showing your family’s annual income is ₹8 lakh or less (issued by a BDO, SDO, or Gazetted Officer).
- Proof of Residence: Document verifying permanent residency in West Bengal (such as a Voter ID card or utility bill).
📝 Application Forms:
- Form B: The standard new enrollment application form.
- Form A / Form C: Used specifically for adding missing family members or making name corrections if you already have a base card.
📚 West Bengal Mukhyamantri Swasthya Bima Yojana (MMSBY) – How to Apply / Application Process
✅ 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. |
🌐 Has the Mukhyamantri Swasthya Bima Yojana Application Process Started?
No. Although the implementation notification was issued on 29 July 2026, the Health and Family Welfare Department, Government of West Bengal, has not yet announced the enrolment process or application dates. The government is expected to issue detailed operational guidelines covering the registration process, enrolment timeline, required documents and the issuance of health cards. Until then, eligible beneficiaries will have to wait for an official notification before applying under the scheme.
💰 Mukhyamantri Swasthya Bima Yojana – Summary
| Yojana 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 |
| Announced By | CM of the state |
| Officially announced on | July,2026 |
❓ Frequently Asked Questions (FAQs)
Q1: Can I apply for MMSBY if I already have an active Ayushman Bharat (PM-JAY) card?
- No. MMSBY is strictly designed for those who are excluded from the central Ayushman Bharat scheme. If you already have PM-JAY, you cannot enroll in MMSBY.
Q2: What is the maximum family income allowed to qualify for MMSBY?
- Your family’s total annual income from all sources must be ₹8 lakh or less.
Q3: Can I use this card outside of West Bengal?
- Yes. MMSBY features pan-India portability. You can get cashless treatment at any of the 38,000+ Ayushman Bharat-empanelled hospitals across India.
Q4: Is there a limit to how many family members can be added to one card?
- No. There is no cap on family size. In fact, parents and parents-in-law of both spouses can be included under a single family-floater policy.
Q5: Are my old illnesses or pre-existing diseases covered under MMSBY?
- Yes. All pre-existing medical conditions are covered from Day 1 of your enrollment with zero waiting periods.
Q6: Are senior citizens aged 70 and above eligible for this scheme?
- No. Senior citizens aged 70+ are automatically transitioned to the central government’s Ayushman Vay Vandana Yojana and are excluded from MMSBY.
Q7: Do I need to pay any monthly or annual premium for this insurance?
- No. The digital health card is issued for free, and the entire insurance premium is paid by the West Bengal State Government.
Q8: Can state government employees or pensioners apply for MMSBY?
- No. Government employees, pensioners, or anyone receiving a regular monthly medical allowance/covered under schemes like WBHS or CGHS are disqualified.
Q9: Where can I submit my application form for the scheme?
- You can submit your application (Form B) at your local Block Development Office (BDO), Municipality Office, or at any state-organized Jal Kalyan Shivir Camp.