About Scheme

Ayushman Bharat PM-JAY Mukhmantri Sehat Bima Yojana (AB PM-JAY MMSBY), launched on 20 August 2019, is a flagship State Health Insurance Scheme for beneficiaries in Punjab. The scheme provides entitlement-based cashless health insurance coverage for secondary and tertiary care hospitalization at government and empaneled private hospitals.

Details

AB PM-JAY MMSBY covers 65% of Punjab's population, offering cashless treatment for listed diseases and medical conditions. The scheme provides financial protection with a health insurance limit of ₹5,00,000/- per family per year. Beneficiaries can generate e-cards online via the Ayushman App or the official portal, and treatment is available without paperwork at participating hospitals. Eligible categories include SECC 2011 families, Smart Ration Card holders, J-Form farmers, small traders registered with Excise & Taxation, small & marginal farmers, accredited & yellow card journalists, and construction workers registered with the Punjab Building & Other Construction Workers Welfare Board.

Key Features

• Cashless and paperless treatment at government and empaneled private hospitals
• Health insurance cover of ₹5,00,000/- per family per year
• Covers secondary and tertiary care hospitalization
• Online e-card generation via Ayushman App or official portal
• Beneficiaries include SECC 2011 families, Smart Ration Card holders, farmers, traders, journalists, and registered construction workers
• Entitlement-based coverage for 65% of Punjab population

Eligibility

Eligibility Criteria:
- Residents of Punjab.
- Categories of eligible applicants include:
1. SECC 2011 data families
2. Smart Ration Card holder families
3. J-Form holder farmers
4. Small traders registered with Excise & Taxation Department
5. Small & Marginal Farmers
6. Accredited & Yellow Card Journalists
7. Construction workers registered with Punjab Building & Other Construction Workers Welfare Board.

Benefits

Benefits:
- **Cashless health insurance cover of ₹5,00,000/- per family per year** for secondary and tertiary care hospitalization (in-patient services) for treatment of listed diseases and medical conditions.

Application Process

Application Process (Online):
Step 1: Download the Ayushman App on mobile or visit https://beneficiary.nha.gov.in/ to self-register.
Step 2: Visit any empaneled public or private hospital for e-card generation. Lists of hospitals https://sha.punjab.gov.in/shapb/publicPages/hospSpltyView are available on the SHA website.

Documents Required

Documents Required:
1️⃣ Aadhaar Card
2️⃣ Ration Card
3️⃣ Family Declaration (if no Ration Card)
4️⃣ Income Certificate
5️⃣ Construction Worker Card (if applicable)