The Punjab government has officially announced the launch of the “Mukh Mantri Sehat Yojna” (MMSY) on January 15, 2026. This flagship universal health insurance scheme aims to provide a safety net for all 65 lakh families in the state.
Here is a detailed look at the scheme, its benefits, and the registration process.
Punjab Mukh Mantri Sehat Yojna (MMSY) 2026
1. Key Benefits & Coverage
- Universal Coverage: Unlike previous schemes limited to specific categories (like SECC or J-Form holders), this is a universal scheme covering 100% of the Punjab population, including government employees and pensioners.
- High Insurance Limit: The coverage has been doubled from the previous ₹5 lakh to ₹10 lakh per family per year.
- Extensive Medical Procedures: The scheme covers approximately 2,200 medical procedures, including secondary and tertiary care, surgeries, ICU care, diagnostics, and medicines.
- Network of Hospitals: Beneficiaries can access treatment at 824 empanelled hospitals, consisting of 212 public hospitals, 8 central government hospitals, and over 600 private hospitals.
2. Eligibility Criteria
The scheme is designed for total inclusivity with no income cap or exclusion criteria.
- Bona fide Resident: You must be a resident of Punjab.
- Required Documents: An Aadhaar Card and a Voter ID card are required to establish residency and identity.
3. Registration & Enrolment Process
To ensure every citizen gets their “CM Health Card,” the government is setting up a massive logistics network:
- Enrolment Camps: Over 9,000 camps will be organized across the state starting in January.
- Common Service Centres (CSCs): Residents can also visit any of the 9,000+ CSCs for simple registration.
- Timeline: While the formal launch is Jan 15, registration is starting now, and most beneficiaries are expected to receive their physical health cards within the next 3–4 months.
4. Implementation Model
The scheme will be implemented in a “Hybrid Mode”:
- Up to ₹1 Lakh: Claims will be handled by the United India Insurance Company.
- ₹1 Lakh to ₹10 Lakh: Claims in this bracket will be directly managed and paid by the State Health Agency (SHA), Punjab.
Launch Event Details
The scheme will be formally inaugurated on January 15, 2026, by Punjab Chief Minister Bhagwant Mann and AAP National Convenor Arvind Kejriwal. The government has described this as a “historic move” to ensure that no resident of Punjab has to forgo medical treatment due to financial constraints.