The Punjab government is set to launch a new health insurance scheme, ‘Mukh Mantri Sehat Yojna’ (MMSY), on January 15, 2026, which aims to provide cashless treatment up to ₹10 lakh per family per year to all residents of Punjab. The scheme, which will be launched by Chief Minister Bhagwant Singh Mann and AAP National Convenor Arvind Kejriwal, will cover all families, including government employees and pensioners, without any income cap or exclusion criteria.
The scheme is designed to be inclusive, and beneficiaries can enroll using their Aadhaar and voter ID cards. A helpline will be launched to facilitate the process, and beneficiaries will receive dedicated MMSY health cards. The scheme will provide comprehensive coverage through more than 2,000 selected treatment packages and will cover secondary and tertiary care across a network of 824 empaneled hospitals, including public, private, and government hospitals.
The United India Insurance Company has been selected to implement the scheme, which will provide coverage of ₹1,00,000 per family, while the State Health Agency (SHA) Punjab will provide coverage for treatment requirements between ₹1,00,000 and ₹10,00,000. The scheme adopts the latest Health Benefit Package (HBP 2.2) and will ensure faster claim settlements and reduced payment turnaround times.
The launch of the MMSY scheme is a significant milestone towards achieving Universal Health Coverage in Punjab, as promised by Chief Minister Bhagwant Singh Mann. The scheme is expected to provide health dignity and financial protection to every household in the state. With its comprehensive coverage and inclusive design, the MMSY scheme has the potential to make a significant impact on the health and well-being of the people of Punjab.
The scheme’s operational framework is designed to ensure seamless delivery of healthcare services, with a robust network of empaneled hospitals and a user-friendly enrollment process. The selection of United India Insurance Company brings the advantage of specialists to manage claim processing efficiently, ensuring faster claim settlements and reduced payment turnaround times. Overall, the MMSY scheme is a major step forward in providing quality healthcare to the people of Punjab, and its launch is eagerly anticipated.