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Mukh Mantri Sehat Yojana gives every bona fide resident family of Punjab cashless hospital treatment up to 10 lakh rupees a year in government and empanelled private hospitals, with no income limit. Government employees and pensioners are included too, which is the big change from the earlier cover.
The State Health Agency, Punjab runs the scheme. You enrol the whole family once at a Common Service Centre with Aadhaar and voter ID, get an SMS at once, and collect a Sehat card later. This guide explains who is covered, what to carry, how to use the card at a hospital and where to complain.
At a glance
Run by
State Health Agency, PunjabCover
Up to 10 lakh rupees per family per year, cashlessWho is covered
All bona fide Punjab residents, including government employees and pensionersIncome limit
NoneWhere to enrol
Nearest Common Service Centre (CSC)Documents
Aadhaar and voter ID of family membersHospitals
Government and over 900 empanelled hospitalsHelpline
104
What the mukh mantri sehat yojana covers
The cover is for secondary and tertiary care: hospital admission, surgery, intensive care and similar treatment, not ordinary outpatient visits. The State Health Agency uses the latest national Health Benefit Package, which has more than 2,000 treatment packages with fixed rates. The hospital is paid by the scheme, so the family does not pay at the counter for a covered package, up to the yearly limit of 10 lakh rupees for the whole family.
The limit is per family per year, not per person. If one member uses 3 lakh rupees, the rest of the family has 7 lakh rupees left for that policy year.
From Sarbat Sehat Bima to the new universal cover
Before this, Punjab ran the Ayushman Bharat Mukh Mantri Sehat Bima Yojana, often called the sarbat sehat bima yojana. Its cover was 5 lakh rupees yearly, limited to families in specific listed categories. The mukhyamantri sehat yojana Punjab families have now replaced that with 10 lakh rupees and removed the category list. If you held the older card, check at the CSC whether your family appears in the new records or needs to enrol.
The central Ayushman Bharat PM-JAY continues alongside. Punjab hospitals use the same national systems for packages and claims.
Who is eligible and what to carry
- Every bona fide resident of Punjab, with no income cap and no exclusion list.
- Government employees and pensioners and their families are included.
- Each member should be a Punjab resident; Aadhaar and voter ID are the main papers.
Carry the Aadhaar of every family member and the voter ID of the adults. The State Health Agency site has a family declaration form and a single member declaration form; fill the right one before you reach the centre to save time. You can first look up your family on the agency's beneficiary search page.
Enrolment steps at the CSC
- Go to the nearest Common Service Centre with documents for all family members. Enrolment camps are also held in villages and wards.
- The operator verifies each member with Aadhaar and voter ID and records the family.
- An SMS confirming the registration and benefits comes to your mobile straight away.
- The physical Sehat card is given at the same CSC, usually within two to three weeks.
- You can also download the card from the State Health Agency, Punjab site using the card download link.
Enrolment is free. Nobody should charge you for the card.
Using the Sehat card in hospital
Choose a hospital from the empanelled list on the State Health Agency site. At the help desk, show the Sehat card or give the Aadhaar of the patient. The hospital checks your details digitally, books the package and starts cashless treatment up to the balance in your family limit. Keep the discharge papers. If the hospital asks you to pay for something inside a covered package, call 104 before paying, or note the name of the staff member and complain afterwards.
When something goes wrong
| Trouble | Why it happens | Remedy |
|---|---|---|
| No SMS after enrolment | Mobile number typed wrongly | Return to the CSC to correct it |
| Card not ready after three weeks | Printing or delivery delay | Download the e-card from the agency site |
| A family member missing on card | Member not enrolled at the camp | Use the add member service or visit the CSC |
| Hospital refuses the card | Hospital not empanelled or package not covered | Check the hospital list, then call 104 |
Grievances can be raised through helpline 104 or the national grievance portal of the National Health Authority.
Other health schemes for comparison
Rajasthan's family health cover is explained on our Chiranjeevi Yojana page and Odisha's on the Biju Swasthya Kalyan Yojana guide. Each has its own limits and card, so a Punjab card does not work in those state schemes. More state benefits are on the state schemes list.
Frequently asked questions
Is mukh mantri sehat bima yojana the same as the new scheme?
No. The older mukh mantri sehat bima yojana Punjab ran gave 5 lakh rupees to listed groups. The new Mukh Mantri Sehat Yojana gives 10 lakh rupees to all resident families.
Do government employees get the mukhyamantri sehat yojana cover?
Yes. The State Health Agency says government employees and pensioners are included, with no income cap.
Is the 10 lakh per person?
No. It is 10 lakh rupees per family per year, shared by all members on the card.
What documents are needed for the Sehat card?
Aadhaar for each member and voter ID for adults, plus the family or single member declaration form from the agency site.
Can I get treatment outside Punjab?
The scheme covers treatment in empanelled hospitals in Punjab. Check the hospital list before planning treatment elsewhere.
How do I check whether my family is enrolled under mukhyamantri sehat bima yojana Punjab?
Search your family in the agency's beneficiary lookup or the SMS you received at enrolment. The CSC can also check for you.
Official sources
- State Health Agency, Punjab: Mukh Mantri Sehat Yojanasha.punjab.gov.in
- State Health Agency, Punjab: empanelled hospitalssha.punjab.gov.in
- National Health Authority beneficiary portalbeneficiary.nha.gov.in
Rules, amounts and portals can change. Check the official source before you apply or deposit.