MMSBY 2026: Apply Online, Eligibility & the Rs 5 Lakh Benefit (Mukhyamantri Swasthya Bima Yojana)

MMSBY, or Mukhyamantri Swasthya Bima Yojana, is the West Bengal government’s new health insurance scheme, launched in July 2026. Its core purpose is to guarantee Rs 5 lakh of cashless treatment per year even for those who hold a Swasthya Sathi card but are not eligible for the central Ayushman Bharat (PM-JAY) scheme.

In plain terms: after Ayushman Bharat was launched, about 1.5 crore families of the state moved to the central scheme. MMSBY is meant precisely for those who remained on Swasthya Sathi but were left out under PM-JAY’s rules.

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Key Features of the MMSBY Scheme

• Annual ₹5,00,000 coverage: Up to Rs 5 lakh per year of secondary and tertiary treatment for all family members combined (on a floater basis).
• Completely premium-free: Not a rupee has to be paid.
• Pre-existing diseases covered from day one: There is no waiting period.
• No limit on family size: However many members a family has, all are covered.
• Portable across India: Cashless treatment at any Ayushman Bharat empanelled hospital in the country — a benefit the earlier Swasthya Sathi scheme did not offer.

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Who Can Apply (In Brief)

MMSBY has two main conditions:

1. You must be enrolled in the Swasthya Sathi scheme or be a resident of the state.
2. You must not be eligible for Ayushman Bharat (PM-JAY).

There are also some exclusion rules — for example, you cannot apply if your annual income exceeds Rs 8 lakh. Read the detailed eligibility rules in our separate article: Mukhyamantri Swasthya Bima Yojana Eligibility.

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Applying Online for MMSBY in 2026: Step by Step

Step 1: Verify eligibility on the portal

Go to the official portal swasthyasathi.gov.in and enter your registered mobile number or Swasthya Sathi registration number. This will show whether your family is on the PM-JAY list. If your name is on PM-JAY, use the Ayushman card itself — there is no need to apply for MMSBY.

Step 2: If you are not registered on Swasthya Sathi

If you are entirely new, register online from the portal itself, or submit a form at a Duare Sarkar camp, block office (BDO) or municipality office.

Step 3: Submit the documents

• Aadhaar cards of all family members
• Khadya Sathi / digital ration card
• Self-declaration of income below Rs 8 lakh
• Active mobile number

Step 4: Verification and card receipt

After government verification, the family’s MMSBY card will be created. At hospital admission, cashless treatment can be availed with this card or the portal’s digital record.

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Where Can You Get Treatment?

With the MMSBY card, cashless treatment is available at all government medical colleges and district hospitals in West Bengal and at more than 1,300 empanelled private hospitals in the state. The card also works at Ayushman Bharat empanelled hospitals outside the state — for instance, for certain complex treatments at CMC Vellore.

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Warning: Beware of Traps and Misinformation

• Applying for MMSBY is completely free. Do not pay any middleman or agent for “form filling.”
• Do not share Aadhaar or mobile details with third-party apps or links circulating under the name “MMSBY apply 2026” on the Google Play Store or social media.
• Verify eligibility and apply only through the official swasthyasathi.gov.in portal or a government camp.

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Helpline

For any problem or question, call the toll-free helpline: 1800 345 5384

If you want to know the current status of your Swasthya Sathi card, read: Is the Swasthya Sathi Card Being Cancelled in 2026?

What to do if a hospital refuses your card or demands cash for outside tests: Private Hospital Refused Swasthya Sathi Card? How to Lodge a Grievance

See where the card works in your district: Swasthya Sathi / MMSBY / Ayushman Bharat Hospital List