Punjab Mukh Mantri Sehat Bima Yojana: ₹10 Lakh Cashless Health Cover & Hospital List

Researched by Abhijit ChowdhuryPublished: 2 Oct 2026Last verified: 2 Oct 2026

Quick Summary

Parameter	Specification
Scheme Name	Mukh Mantri Sehat Bima Yojana (formerly Sarbat Sehat Bima Yojana)
State	Punjab
Implementing Authority	State Health Agency (SHA), Department of Health & Family Welfare, Punjab
Cashless Health Coverage	Up to ₹10,00,000 per family per year
Nature of Treatment	Secondary and tertiary inpatient hospital care (cashless and paperless)
Hospital Network	Government hospitals, community health centers, and empanelled private hospitals
Covered Treatments	Over 1,600 specialized surgical and medical treatment packages
Target Beneficiary Groups	NFSA ration card holders, J-Form farmers, registered construction workers, and small traders
Official Web Portal	https://sha.punjab.gov.in
Integrated Treatment Portal	https://beneficiary.nha.gov.in
Department Office Helpline	0172-2970600
Citizen Health Toll-Free	104 (Punjab Medical Helpline) / 14555

Program Purpose and Expanded Healthcare Cover

The Mukh Mantri Sehat Bima Yojana is Punjab's primary universal health coverage initiative, protecting families from catastrophic hospital expenditures. Designed as a comprehensive enhancement of the earlier Sarbat Sehat Bima framework, the program provides up to ₹10,00,000 in cashless inpatient treatment per family each year.The policy covers secondary care surgical procedures and complex tertiary treatments, including heart surgery, joint replacements, cancer therapies, and intensive care management. Services are provided completely cashless and paperless at participating public and private hospitals across Punjab and neighboring regions.

Detailed Eligibility Requirements

The scheme covers broad segments of Punjab's population across distinct occupational and social registries:

NFSA Ration Card Holders: Families possessing Smart Blue Ration Cards issued by Punjab Food, Civil Supplies and Consumer Affairs.
Agricultural Producers: Farmers holding valid J-Forms issued by the Punjab Mandi Board.
Construction Laborers: Workers registered with the Punjab Building and Other Construction Workers (BOCW) Welfare Board.
Small Commercial Traders: Registered shopkeepers and traders accredited with the Punjab Excise and Taxation Department with annual turnover under ₹1.5 crore.
Accredited Media Professionals: Journalists accredited by the Punjab Information and Public Relations Department.

Ineligibility Criteria

Regular permanent employees and pensioners of central government, state government, or public corporations who are already covered under dedicated government medical reimbursement rules.
High-income individuals and corporate tax filers outside the qualifying commercial trader and farmer registries.

Required Documentation Checklist

Ensure the following documents are available for card generation and hospital admission:

Aadhaar Card: Of every family member seeking coverage.
Category Document: Smart Blue Ration Card, Punjab Mandi Board J-Form, BOCW registration card, or small trader GST registration certificate.
Active Mobile Number: For receiving SMS verification OTPs during admission and card generation.

How to Generate and Download the Sehat Card Online

Eligible citizens can generate their health e-card through official digital platforms:

Visit the official portal at sha.punjab.gov.in or access the central beneficiary desk at beneficiary.nha.gov.in.
Select Beneficiary Login and enter your 10-digit mobile number.
Authenticate with the OTP sent to your phone.
Select your state as Punjab, your district, and your search identifier (Aadhaar Number or Smart Ration Card Number).
The system displays all family members linked to the profile.
Click e-KYC beside your name and verify your identity using Aadhaar OTP or facial recognition.
Once verified, click Download Card to save your printed digital Sehat Card featuring your unique ABHA identification number.

Hospital Admission and Cashless Treatment Workflow

Patients can access treatment at any empanelled hospital by following these steps:

Visit any empanelled government or private hospital and proceed to the dedicated Ayushman Mitra counter at the reception desk.
Present your Sehat Card or Aadhaar card along with category proof.
The Ayushman Mitra verifies your eligibility in the online hospital portal and generates an electronic pre-authorization request for the required treatment package.
Once pre-authorization is approved by the State Health Agency, all consultation, diagnostics, surgery, medications, and room stay charges are billed directly to the government.
The patient receives discharge instructions and medications for five days without paying any out-of-pocket hospital fees.

J-Form Farmer Linkage and Agricultural Worker Verification

Punjab integrates agricultural and industrial occupational databases directly into the Sehat Bima platform:

1. Mandi Board J-Form Validation

Farmers selling agricultural produce through state-regulated grain markets receive official sale vouchers known as J-Forms from authorized commission agents (arthiyas). The Punjab Mandi Board synchronizes verified J-Form records directly with the State Health Agency server. Once a farmer's credentials match on the portal, all family members listed on the family record become eligible for the ₹10 Lakh annual health cover.

2. Construction Worker Welfare Board Protocols

Laborers registered with the Punjab Building and Other Construction Workers (BOCW) Welfare Board qualify automatically. Workers must maintain an active registration booklet and ensure their annual welfare membership subscription is up to date. Beneficiaries can inspect their labor registration status at any local Sewa Kendra.

3. Specialized Tertiary Care and High-Value Packages

The ₹10 Lakh entitlement covers specialized treatments that impose severe economic strain on families, including:

Cardiovascular procedures: Coronary artery bypass grafting (CABG), coronary angioplasty with drug-eluting stents, and heart valve replacements.
Oncology treatments: Chemotherapy, radiation therapy, and surgical oncology for breast, cervical, head, and gastrointestinal cancers.
Orthopedics: Joint replacements (knee and hip) and complex multi-trauma fracture surgeries.
Nephrology: Hemodialysis sessions, peritoneal dialysis, and kidney transplant procedures.

All pre-hospitalization diagnostic testing within three days of admission and post-hospitalization medication for fifteen days are fully covered under the approved package rate.

4. Continuous Dialysis and Oncology Daycare Regimens

For chronic kidney disease patients and cancer patients requiring recurrent chemotherapy or hemodialysis cycles, the State Health Agency provides bundled chronic care authorization. Instead of filing repetitive weekly approval requests, treating hospitals register the patient under a composite recurring therapy authorization. The patient attends scheduled clinical sessions without administrative delays, and hospital pharmacies dispense prescribed supportive medications directly without charging any out-of-pocket top-ups.

Official Links and Contact Details

Service Office	Access URL / Helpline
State Health Agency Punjab	https://sha.punjab.gov.in
Beneficiary Health Portal	https://beneficiary.nha.gov.in
Department of Health Punjab	https://health.punjab.gov.in
Department Office Helpline	0172-2970600
Citizen Medical Helpline	104 / 14555