The Punjab government, led by Chief Minister Bhagwant Singh Mann, is set to launch a new health insurance scheme called ‘Mukh Mantri Sehat Yojna’ (MMSY) on January 15, 2026. The scheme aims to provide ₹10 lakh cashless health insurance cover to all families in Punjab, ensuring health dignity and financial protection for every household. This move is a significant step towards achieving Universal Health Coverage, a promise made by the CM.
The agreement for the scheme was signed with the United India Insurance Company, which will provide coverage of ₹1,00,000 per family for all 65 lakh families in the state. For treatment requirements between ₹1,00,000 and ₹10,00,000, the insurance will be provided by the State Health Agency (SHA) Punjab on a trust basis. The scheme adopts the latest Health Benefit Package (HBP 2.2), ensuring comprehensive coverage through more than 2,000 selected treatment packages.
Beneficiaries can access secondary and tertiary care across a robust network of 824 empaneled hospitals, including 212 Public Hospitals, eight Government of India Hospitals, and over 600 Private Hospitals. The number of empaneled hospitals is expected to increase further as the scheme progresses. The scheme is designed for total inclusivity, featuring no income cap or exclusion criteria, and enrolment has been made simple and accessible through Common Service Centres (CSCs) using only Aadhaar and Voter IDs.
The Health Minister, Dr. Balbir Singh, highlighted that the scheme significantly expands health protection from the earlier ₹5 lakh coverage, which was limited to specific categories. He also emphasized that the selection of United India Insurance brings the advantage of specialists to manage CPD processing efficiently, ensuring faster claim settlements and reduced payment turnaround times. CM Bhagwant Singh Mann and AAP National Convenor Arvind Kejriwal will formally launch the scheme on January 15, 2026.