In a groundbreaking move on July 8, 2025, Punjab Chief Minister Bhagwant Mann, alongside AAP national convener Arvind Kejriwal, launched the Mukh Mantri Sehat Bima Yojana—a pioneering health initiative that guarantees ₹10 lakh in annual, cashless health coverage to all 65 lakh families in the state, regardless of income, age, gender, or number of family members.

Why This Is Historic
First of its kind in India: With this ₹10 lakh universal health insurance, Punjab becomes the first state to offer such comprehensive coverage to every household.

Completely inclusive: The scheme applies equally to everyone—from government employees and pensioners to those previously excluded from other schemes.

Cashless access: Patients can avail treatment—up to ₹10 lakh per family per year—via a Sehat Card at government or empanelled private hospitals.

How It Works
Sehat Cards will be issued across Seva Kendras, CSCs, and through Aadhaar or voter ID registration.

Roll-out date: The scheme becomes operational from October 2, 2025, with camps planned statewide to enroll beneficiaries.

Budget backing: Punjab has allocated ₹778 crore for the 2025–26 fiscal year to support this initiative.

Building on Existing Coverage
Before this launch, about 45 lakh families in Punjab were already covered under:

Ayushman Bharat (central scheme) – ₹5 lakh coverage.

Mukh Mantri Sarbat Sehat Bima Yojana – ₹5 lakh state-level coverage.

The new top-up ensures an additional ₹5 lakh, thus doubling protection for these families.

An extra 20 lakh families, previously unprotected, will now gain full ₹10 lakh coverage—bringing universal health insurance to all residents.

Voices from the Field
At the launch, Mann highlighted that high treatment costs forced many into despair—this scheme “gives huge succour to the common man.” Kejriwal described it as a “historic day” in line with Punjab’s vision of sarbat da bhala—the well-being of all.

Challenges & Outlook
Private hospitals raise concerns: Some empanelled private hospitals have expressed doubts over timely reimbursements and government-set rates.

Execution timeline: With the scheme set to roll out by October, a tender for insurer selection is expected to be floated following formal cabinet approval.

📞 For More Information
If you want to know how to enroll or have questions about the Mukh Mantri Sehat Bima Yojana, feel free to contact us at:

📱 98885-44209