The Chief Minister of West Bengal has moved a step closer to fulfilling a promise by launching the ‘Mukhyamantri Swasthya Bima Yojana’ (MMSBY), effective from July 28, 2026. The scheme will be implemented in the state following its formal announcement. Under this initiative, eligible families holding RKSY 1 and RKSY 2 ration cards will receive health coverage benefits of up to ₹5 lakh. However, families already covered under the ‘Ayushman Bharat Yojana’ will not be eligible for the benefits of this scheme.
- Eligible families in West Bengal will receive health coverage benefits of up to ₹5 lakh through this scheme.
- Families in West Bengal who are not eligible for the Central Government’s health insurance scheme, ‘Ayushman Bharat Yojana’, will be covered under this scheme.
- The annual income of eligible families must be within ₹8 lakh.
Mukhyamantri Swasthya Bima Yojana West Bengal
The Chief Minister’s health insurance scheme has finally been launched across West Bengal. The government has issued formal notifications to various health agencies in the state to implement the scheme. The notification states that residents of West Bengal who are not covered under the Ayushman Bharat Yojana will be eligible for the benefits of this MMSBY scheme. Additionally, the distribution of application forms for the scheme has commenced in villages. Eligible families in the state with an annual income of up to ₹8 lakh, as well as government employees and pensioners, will be covered under this scheme.
However, senior citizens aged 70 or older have been excluded from this scheme, as they are already eligible for benefits under the ‘Ayushman Bharat Yojana’. Medical services under this scheme will be provided on a completely cashless basis; consequently, upon completion of the registration and verification processes, every eligible family will receive a health card in accordance with the regulations.
While the benefits of the state’s previous health scheme, ‘Swasthya Sathi’, were primarily available within state hospitals, this new scheme extends coverage to government and private hospitals across India. As a result, eligible individuals residing outside the state for work will also be able to avail themselves of these health protection benefits while at their workplace or elsewhere.
MMSBY West Bengal: Key Details
| Scheme Details | Information |
|---|---|
| Full Name | Mukhyamantri Swasthya Bima Yojana |
| Short Name | MMSBY |
| Who Can Benefit | Permanent residents of West Bengal who are not covered under Ayushman Bharat Yojana |
| Health Benefit | Cashless treatment up to ₹5 lakh per year |
| Income Criteria | Annual income within the prescribed limit |
| Official Announcement | 27 July 2026 |
| Announced By | Chief Minister of West Bengal |
| Where It Is Valid | Listed Government and Private Hospitals across India |
Why Was MMSBY West Bengal Introduced?
The new government of West Bengal has advanced this scheme to reduce medical expenses and provide improved healthcare for individuals eligible under the Ayushman Yojana. Through this initiative, the government aims to offer financial and medical assistance to eligible beneficiaries, enabling them to access medical facilities in both government and private sectors.
Main Highlights of MMSBY Scheme
- Firstly, under the MMSBY scheme, each family will receive cashless medical treatment benefits up to a maximum of ₹5 lakh per year on a floater basis.
- If a beneficiary incurs out-of-pocket expenses during treatment, no claim can be made for reimbursement later.
- Eligible individuals will be entitled to avail benefits from only one health scheme at a time.
- There is no specific limit on the number of family members for availing the benefits of this scheme.
- Pre-existing diseases of any family member will not be covered under this scheme.
- Benefits under this scheme can be availed at government and private hospitals empanelled by the state.
MMSBY Scheme: Eligibility for Families
- Families who are permanent residents of West Bengal state may be eligible for this scheme.
- Families not covered under the Central Government’s Ayushman Bharat Yojana may be eligible to avail the benefits of this scheme.
- To qualify for this scheme, the family’s annual income must be within ₹8 lakh.
Note:- Forms are currently being distributed to families holding RKSY 1 and RKSY 2 ration cards. A door-to-door distribution process has also commenced in many areas.
Who Cannot Apply?
- Individuals aged 70 years or older—or senior citizens—are not eligible for this scheme, as they are already covered under the Ayushman Bharat Yojana.
- Government employees or pensioners who are already receiving benefits from another scheme will also not be eligible for this scheme.
Documents Needed for MMSBY Application
- To verify your actual identity, you must submit the following required documents along with the form.
- When applying for this scheme, the applicant must submit the Aadhaar cards of themselves and every family member.
- Ration Card will be required to verify the number of family members; this will facilitate the process of issuing a Health Card for the family.
- Photographs showing the head of the family along with the other family members must be provided.
- An income certificate stating that the family’s annual income is ₹8 lakh or less must be submitted.
- Documents such as a Voter Card, electricity bill, etc., may be provided as proof of residence or address in West Bengal.
- The applicant must provide their own signature.
- An active mobile number must be provided for verification purposes and to receive various updates regarding the scheme; subsequent updates concerning the card may also be received via SMS on this number.
How to Apply Mukhyamantri Swasthya Bima Yojana West Bengal
- The online application process for the Chief Minister’s Health Insurance Scheme has not started yet. So, currently there is no need to go to the portal and fill the form to apply online. The detailed application process will be informed on the official website of MMSBY when the online application starts.
- However, the distribution of application forms for this scheme has already started in rural areas. The health center staff or related staff are delivering the application forms door to door.
- These application forms are not ordinary blank forms. Application forms with names are being printed for families who have ration cards, especially for families holding RKSY-I and RKSY-II ration cards.
- Collect the application form with names from the concerned staff.
- Verify your name and other family information given in the form carefully.
- Fill/attach the required information and documents as per the instructions in the form.
- Verify the information of the family members correctly.
- Submit the form to the concerned health center or responsible staff.
- Once the online application starts, then the opportunity to apply online through the official portal may be given.
Note:- Please do not follow the online application steps as they are not yet available. Once the online application is available, you will need to apply as per the official guidelines.
Participate in Jal Kalyan Shivir Camp for the Application Process
If you are unable to register online, you can also apply offline through various camps organized by different parties in West Bengal. Please ensure you carry the necessary documents and follow the guidelines when visiting the camp.However, the main activities of these camps are scheduled to begin in November or December. Prior to that, a special initiative called ‘Seba Sankalpa’ will take place from October 2nd to October 4th; you can avail yourself of this opportunity.
FAQ’s
MMSBY is a new health insurance scheme of West Bengal. It is called Mukhyamantri Swasthya Bima Yojana.
Eligible beneficiaries of this scheme along with their families can get cashless treatment in government and listed private hospitals.
Under this scheme, cashless treatment facility of up to Rs. 5 lakh per year will be available.