₹10 lakh health insurance scheme officially known as the Mukh Mantri Sehat Yojna (MMSY) or Mukhyamantri Sehat Bima Yojana is Punjab’s landmark universal health coverage programme that guarantees cashless medical treatment worth up to ₹10 lakh per family per year at government and empanelled private hospitals across the state.
Launched by Chief Minister Bhagwant Singh Mann in Mohali in January 2026, the scheme is India’s first true universal health insurance programme with no income cap, no employment classification, and no colour-coded eligibility card requirement. Every bonafide resident of Punjab whether a farmer, labourer, government employee, pensioner, or businessperson is eligible.
₹10 Lakh Health Insurance Scheme
Unlike previous health schemes in Punjab and other states, the ₹10 Lakh Health Insurance Scheme makes a clean break from means-testing. There is no requirement to prove income, present a ration card of any particular colour, or demonstrate economic vulnerability. Any resident of Punjab with valid proof of identity and residence qualifies automatically.
Key distinguishing features of the scheme:
- Coverage: ₹10 lakh cashless treatment per family per year
- Additional top-up: ₹5 lakh extra for existing Ayushman Bharat PM-JAY beneficiaries
- No income limit: Covers all sections of society
- No advance payment: No upfront money required at hospital
- No reimbursement paperwork: Fully cashless and paperless
- 2,500+ treatment packages: Including surgeries, ICU, cancer, cardiac care, dialysis, mental health
- 900+ empanelled hospitals: Including government and private facilities in Punjab and Chandigarh
Who Is Eligible for the ₹10 Lakh Health Insurance Scheme?
Eligibility for the Mukh Mantri Sehat Yojna is deliberately broad. The following categories are covered:
- All permanent residents of Punjab with valid Aadhaar and voter ID
- Government employees and pensioners of the Punjab government
- Farmers, agricultural labourers, and daily wage workers
- Businesspeople and self-employed individuals
- Families without ration cards — they can use a Self-Declaration Form instead
- Newborns and children — verified using birth certificate and parent’s voter card
The scheme targets 65 lakh families, covering approximately 3 crore Punjab residents in total.
Documents Required for Registration
The documentation requirements for the Punjab 10 lakh health card are minimal and designed for ease of access:
| Applicant Category | Required Documents |
| Adults (18 years and above) | Aadhaar Card + Voter ID Card |
| Children (below 18 years) | Aadhaar Card + Birth Certificate + Father/Mother’s Voter Card |
| Families without ration cards | Aadhaar Card + Self-Declaration Form |
| Adding a new family member | Valid relationship document (marriage certificate, birth certificate) + Aadhaar |
| Already in Ayushman Bharat list | Aadhaar Card only — no other document required |
Note: Aadhaar is mandatory for online KYC verification. It should not be uploaded to the Beneficiary Identification System (BIS) but must be presented for identity verification at registration.
Also Read: Mukhyamantri Mawan-Dhiyan Satkar Yojana 2026: Eligibility, Benefits & Apply Online
How to Apply Online for the Punjab ₹10 Lakh Sehat Card
The Punjab government has made self-registration fully possible from home using two digital platforms the Ayushman App and the National Health Authority’s beneficiary portal.
Method 1: Apply via Ayushman App (Recommended for Mobile Users)
- Download the Ayushman App — available on Google Play Store and Apple App Store; search “Ayushman App” or “PM-JAY”
- Open the app and tap “Check Eligibility” on the home screen
- Enter your Aadhaar number or mobile number linked to Aadhaar
- Complete OTP-based verification sent to your registered mobile number
- If your family is in the eligible beneficiaries list, your details will appear automatically
- Tap “Generate e-Card” to create your digital Sehat Card
- Download and save the e-Card — it is valid for cashless treatment immediately at all empanelled hospitals
Method 2: Apply via Official Portal (beneficiary.nha.gov.in)
- Open a web browser and visit beneficiary.nha.gov.in
- Click on “Am I Eligible?” on the homepage
- Enter your mobile number and complete OTP verification
- Select “Punjab” as the state and enter your Aadhaar number or Ration Card number
- Your eligibility status and family details will be displayed
- Click “Generate e-Card” and download your Punjab Sehat Card in PDF format
Method 3: Check via sha.punjab.gov.in (State Health Agency Portal)
- Visit sha.punjab.gov.in
- Navigate to the “Citizen Corner” or “Check Eligibility” section
- Enter your UID number, Ration Card number, or Family ID as prompted
- Confirm eligibility and generate your digital card on screen
How to Apply Offline: For Those Without Internet Access
Not every Punjab family has easy internet access and the government has ensured robust offline application options:
- Nearest Sewa Kendra / Common Service Centre (CSC) — Visit with your Aadhaar card and voter ID; officials will complete the KYC and generate the e-card on your behalf
- Empanelled hospitals — Any empanelled public or private hospital can generate your Sehat Card on-site; this is especially useful during a medical emergency
- Registration camps — The state government has been organising district-level registration drives; check with your local panchayat or sub-divisional office for upcoming camps in your area
- ASHA workers — Accredited Social Health Activist workers at the village level can assist with eligibility verification and camp registration referrals
What Treatments Does the Scheme Cover?
The Mukh Mantri Sehat Yojna covers a comprehensive range of 2,500 health packages under secondary and tertiary inpatient care. Key treatment categories include:
- Cardiac surgeries — including open-heart surgeries and bypass procedures
- Cancer treatment — chemotherapy, radiotherapy, and surgical oncology
- Kidney disorders — dialysis, transplant-related care
- Orthopaedic surgeries — knee replacement, spinal procedures
- Maternity and neonatal care — including complicated deliveries and NICU admissions
- ICU and critical care — intensive care treatment for life-threatening conditions
- Mental health care — a first-of-its-kind inclusion in a state health scheme
- Ophthalmic care — cataract surgeries and related procedures
- General surgeries and specialist consultations as inpatient care
To use the cashless facility, the patient or family simply needs to present their Aadhaar card and Sehat Card at the empanelled hospital’s helpdesk. No advance deposit, no insurance forms, and no reimbursement procedure is involved.
What Is Not Covered
The Mukh Mantri Sehat Yojna covers inpatient treatment only. The following categories are generally not covered under the current scheme:
- Outpatient (OPD) consultations and medicines
- Cosmetic or elective non-medical procedures
- Treatments at non-empanelled hospitals (e.g., Fortis and Max hospitals are currently not empanelled)
- Drug de-addiction and substance abuse treatment (covered under separate state programmes)
Reports suggest that the government is evaluating expansion of the scheme to cover select outpatient services and additional private hospital chains in subsequent phases of implementation.
