Archive · 21 Aug 2026
West Bengal Launches MMSBY With Rs 5 Lakh Health Coverage
West Bengal has started a new health-insurance program called MMSBY.
It can provide cashless treatment worth up to Rs 5 lakh.
The program covers many illnesses and surgeries, including knee replacements and mental-health treatment.
Existing diseases are covered from the first day.
There is no limit on how many people can be in one family.
Families earning more than Rs 8 lakh a year cannot join.
People already covered by some government health schemes also cannot join.
Each family member will receive a digital card after verification.
People can apply through an official website, a government office, a camp or a hospital helpdesk.
The West Bengal Government has launched the Mukhyamantri Swasthya Bima Yojana with up to Rs 5 lakh in cashless health coverage.
MMSBY covers nearly 1,950 to 2,000 disease categories, including mental-health conditions, major surgeries and specialized treatments.
Families earning more than Rs 8 lakh annually or enrolled in schemes such as CGHS or WBHS are excluded.
The scheme is linked with 1,240 private and 627 government hospitals in West Bengal, as well as hospitals nationwide.
Applicants must complete verification and submit Form B with Aadhaar and ration-card details through a BDO, municipal office, camp or designated portal.
- Who
- The West Bengal Government and eligible families across the state.
- What
- The government launched the Mukhyamantri Swasthya Bima Yojana, offering cashless coverage of up to Rs 5 lakh and updating procedures for movement between Swasthya Sathi, West Bengal Ayushman Bharat Pradhan Mantri Jan Arogya Yojana and MMSBY.
- When
- The scheme has been newly launched; an online application feature is scheduled to launch shortly.
- Where
- West Bengal, with coverage through empanelled hospitals nationwide, including 1,240 private and 627 government facilities within the state.
- Why
- To expand health coverage for underprivileged families and provide access to treatment without out-of-pocket expenses.
- Scheme
- Mukhyamantri Swasthya Bima Yojana (MMSBY)
- Coverage amount
- Up to Rs 5 lakh in cashless health coverage
- Medical coverage
- Nearly 1,950 to 2,000 disease categories and specialized procedures
- Eligibility limit
- Families with annual income exceeding Rs 8 lakh are not eligible
- Hospital network
- 1,240 private and 627 government facilities in West Bengal, plus empanelled hospitals nationwide
- Key benefits
- Pre-existing conditions covered from day one, with no cap on family size
- Application documents
- Form B, Aadhaar numbers and ration-card numbers for all family members