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Mahatma Gandhi Sarbat Sehat Bima Yojana (MGSSBY)


Mahatma Gandhi Sarbat Sehat Bima Yojana (MGSSBY)

To promote health and The State Government of Punjab introduced a new health insurance scheme for its citizens. The new mega scheme will club the Central Government’s existing Pradhan Mantri Jan Arogya Yojana (PMJAY) with its own to offer the new ‘Mahatma Gandhi Sarbat Sehat Bima Yojana’.

Objectives of the Scheme

  • With the implementation of MGSSBY, the insurance benefits are covering 76% of the State’s population
  • To combine Ayushman Bharat/PMJAY with Punjab’s state government scheme
  • Over 46 lakh families to benefit from the scheme
  • To offer cashless coverage of up to Rs.5 Lakhs/year
  • 650 hospitals have partnered with the government for the scheme
  • 1396 treatment packages on offer

Salient Features

Insurance Coverage: Similar to PMJAY, the Punjab Government’s scheme is offering cashless health insurance of up to Rs.5 lakh/year.

Cost Ratio: The Centre and State government will bear the cost of the annual premium for 14.86 families in a 60:40 ratio for anyone eligible under the Socio-Economic and Caste Census (SECC). Additionally, other permanent residents of the State will have their insurance premiums paid for by the Punjab Government and Central government in an 83:17 ratio.

Implementation: There are 1,396 treatment packages and 650 hospitals under the scheme. The insurance premium covers all hospitalisation expenses for 3 days and post-hospitalisation expenses for 15 days.

Documents Required


The scheme is available to all permanent residents of Punjab including all eligible citizens under the Socio-Economic and Caste Census (SECC).

Application Process

There is no online portal available for registration to apply for this scheme yet

  • Application can be received from in nearest public service centre
  • Fill in the application form
  • Submit supporting documents (Aadhaar Card, PANCard, Passport Size Photograph)
  • Collect your e-Card

Once you have your e-Card, you can use it to claim cashless treatment of up to Rs.5 lakhs at partnered hospitals. The insurance coverage is renewed on a yearly basis.