Mukhya Mantri Sehat Yojana 2026: Punjab and Kerala Health Schemes
Government health schemes help eligible families access medical treatment without facing the full financial burden of hospital expenses. Punjab and Kerala operate different health protection programmes for their residents and eligible beneficiaries. Punjab has introduced the Mukh Mantri Sehat Yojna, while Kerala implements the Karunya Arogya Suraksha Padhathi (KASP).
The Punjab Mukh Mantri Sehat Yojna provides cashless treatment coverage of up to ₹10 lakh per family per year. Kerala KASP provides health cover of up to ₹5 lakh per eligible family per year for secondary and tertiary care hospitalization. The eligibility rules, registration process and coverage arrangements are different in the two states.
Punjab and Kerala Health Schemes: Overview
| Punjab Scheme | Mukh Mantri Sehat Yojna (MMSY) |
| Punjab Coverage | Up to ₹10 lakh per family per year |
| Punjab Beneficiaries | Bonafide residents of Punjab and eligible family members |
| Kerala Scheme | Karunya Arogya Suraksha Padhathi (KASP) |
| Kerala Coverage | Up to ₹5 lakh per eligible family per year |
| Kerala Beneficiaries | Eligible poor and vulnerable families under the scheme criteria |
| Treatment Model | Cashless treatment at empanelled hospitals, subject to scheme rules |
1. Punjab Mukh Mantri Sehat Yojna 2026
The Mukh Mantri Sehat Yojna is a Punjab Government health protection scheme designed to provide cashless secondary and tertiary healthcare to eligible residents. The scheme provides treatment coverage of up to ₹10 lakh per family per year at government and private hospitals empanelled under the programme in Punjab and Chandigarh, subject to the applicable scheme conditions.
The Punjab Government announced the scheme for broad coverage of state residents. The official government order specifies that bonafide residents of Punjab and their eligible family members can become beneficiaries. The scheme was formally launched on 22 January 2026, according to the Punjab Government announcement.
Punjab Mukh Mantri Sehat Yojna: Key Features
- Cashless medical treatment coverage of up to ₹10 lakh per family per year.
- Coverage for secondary and tertiary healthcare services under the scheme.
- Government and private empanelled hospitals in Punjab and Chandigarh are included, subject to scheme rules.
- Eligible Punjab residents and their family members can register.
- The government order includes Punjab Government regular employees, pensioners and eligible outsourced, contractual and consultancy staff.
- Beneficiaries already covered under certain other government reimbursement or insurance schemes may need to select one scheme to avoid duplication, as specified in the order.
Punjab Scheme Eligibility
According to the Punjab Government order, a bonafide resident of Punjab and eligible family members can qualify for the Mukh Mantri Sehat Yojna. Aadhaar Card and Voter ID are specified as residence proof for registration.
For beneficiaries below 18 years of age, the order provides for the childs Aadhaar Card along with the Voter ID of either parent or guardian establishing residence in Punjab.
The government order also includes regular Punjab Government employees and pensioners, as well as employees engaged on an outsourcing, contractual or consultancy basis with specified Punjab Government departments and organisations. Individuals covered under ESI, CGHS or other central or state government insurance or reimbursement schemes should check the applicable restriction on duplicate benefits.
Documents for Punjab Sehat Yojna Registration
- Aadhaar Card.
- Voter ID as proof of Punjab residence.
- For minors, Aadhaar Card and the Voter ID of a parent or guardian, as applicable.
- Any additional documents requested at the authorised registration centre.
The final document requirements should be confirmed at the official registration facility. Do not pay an unauthorised agent for a health card.
How to Register for Punjab Mukh Mantri Sehat Yojna
- Visit the official Punjab Government or authorised scheme registration facility.
- Check the current registration arrangements and the nearest authorised centre.
- Keep Aadhaar Card and Voter ID ready for residence verification.
- Complete the beneficiary registration process and provide the required family details.
- Follow the instructions for health card generation and collection.
- After receiving the card, confirm the empanelled hospital and covered treatment before admission.
The government has referred to registration through authorised centres and online registration arrangements. Candidates should use only currently active official channels because registration arrangements may be updated.
2. Kerala Karunya Arogya Suraksha Padhathi (KASP) 2026
Karunya Arogya Suraksha Padhathi (KASP) is the comprehensive health protection programme implemented by the Government of Kerala through the State Health Agency. It brings together earlier government-supported health insurance programmes, including Rashtriya Swasthya Bima Yojana (RSBY), Comprehensive Health Insurance Scheme (CHIS), Senior Citizen Health Insurance Scheme (SCHIS), Karunya Benevolent Fund and Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY).
KASP provides health cover of up to ₹5 lakh per eligible family per financial year for secondary and tertiary care hospitalization. Cashless treatment is available through participating public and private hospitals, subject to beneficiary eligibility, approved treatment packages and scheme guidelines.
Kerala KASP Scheme: Key Features
- Health coverage of up to ₹5 lakh per eligible family per financial year.
- Coverage for eligible secondary and tertiary care hospitalization.
- Cashless treatment at empanelled public and private hospitals.
- Implementation through the Kerala State Health Agency.
- Integration of several earlier government-sponsored health protection programmes.
- Beneficiary eligibility is based on the applicable scheme and government guidelines.
Kerala KASP Eligibility
KASP is not automatically available to every Kerala resident merely because of residence. Eligibility is linked to the beneficiary categories and records recognised under the scheme.
The Kerala Health Department information identifies eligible categories such as families holding valid RSBY/CHIS cards for 2018-19, vulnerable groups identified under the 2011 Socio-Economic Caste Census (SECC), and families that have received an eligibility communication from the Central Government.
Applicants should verify their family eligibility through the official KASP or Ayushman Bharat beneficiary verification facility before assuming that they are covered.
How to Check Kerala KASP Eligibility
- Visit the official Kerala State Health Agency website.
- Open the KASP or beneficiary information section.
- Use the official beneficiary verification facility, where available.
- Provide the requested identification or family details.
- Confirm whether the family is listed as an eligible beneficiary.
- Contact the hospital help desk or State Health Agency if eligibility information is unclear.
Other Health Assistance Programmes in Kerala
Apart from KASP, the Kerala State Health Agency provides information about other health assistance programmes. These programmes have separate eligibility and assistance conditions.
- Karunya Benevolent Fund (KBF): The Kerala Health Department describes medical assistance of ₹2 lakh for eligible families, with assistance of up to ₹3 lakh for kidney and kidney-related diseases. The programme is intended for qualifying families that are not covered under KASP and meet its income and other conditions.
- Arogya Kiranam: Provides treatment assistance for children below 18 years of age in government hospitals, subject to programme conditions.
- Shruthi Tharangam: A separate programme for cochlear implantation assistance for eligible children with hearing impairment.
These programmes should not be treated as automatic additional benefits under every KASP card. Beneficiaries must check the relevant programme guidelines.
Punjab Mukh Mantri Sehat Yojna vs Kerala KASP: Comparison
| Feature | Punjab MMSY | Kerala KASP |
|---|---|---|
| Scheme Name | Mukh Mantri Sehat Yojna | Karunya Arogya Suraksha Padhathi |
| Annual Family Cover | Up to ₹10 lakh | Up to ₹5 lakh |
| Beneficiary Scope | Bonafide Punjab residents and eligible family members | Eligible beneficiary families under scheme criteria |
| Treatment | Secondary and tertiary healthcare | Secondary and tertiary hospitalization |
| Hospitals | Empanelled government and private hospitals in Punjab and Chandigarh, subject to rules | Empanelled public and private hospitals |
| Implementation | Punjab Government | Kerala State Health Agency |
| Eligibility Check | Residence and registration documents | Recognised beneficiary category and scheme records |
Important Points Before Taking Treatment
- Confirm that the patient is registered and eligible under the relevant scheme.
- Check whether the selected hospital is currently empanelled.
- Confirm that the required treatment or procedure is covered under an approved package.
- Ask the hospital scheme help desk about pre-authorisation and required documents.
- Keep the health card and identity documents available during hospital admission.
- For complaints or denial of eligible treatment, use the official grievance channel of the relevant State Health Agency.
Official Websites and Important Links
| Punjab Mukh Mantri Sehat Yojna Government Order | View Government Order |
| Punjab Government Scheme Information | Punjab Government Portal |
| Kerala State Health Agency | Official SHA Kerala Website |
| Kerala KASP Scheme Details | Kerala Health Department |
| Kerala Revised KASP Guidelines 2026 | View Government Order |
Frequently Asked Questions (FAQs)
1. What is the annual coverage under Punjab Mukh Mantri Sehat Yojna?
The scheme provides cashless treatment coverage of up to ₹10 lakh per family per year, subject to scheme conditions.
2. Who can apply for Punjab Mukh Mantri Sehat Yojna?
Bonafide residents of Punjab and their eligible family members can register by providing the prescribed residence documents, including Aadhaar Card and Voter ID.
3. What is the coverage under Kerala KASP?
KASP provides up to ₹5 lakh per eligible family per financial year for covered secondary and tertiary care hospitalization.
4. Can every Kerala resident automatically get a KASP card?
No. Eligibility is based on recognised beneficiary categories and the applicable scheme records. Residents should verify their eligibility through official channels.
5. Are Punjab MMSY and Kerala KASP the same scheme?
No. Both are government-supported health protection programmes, but they operate under different state rules, coverage limits and eligibility criteria.
6. Can beneficiaries receive treatment at private hospitals?
Both programmes provide access to empanelled private hospitals, subject to the applicable hospital network, approved treatment packages and scheme conditions.
Conclusion
Punjab Mukh Mantri Sehat Yojna and Kerala KASP are two state health protection programmes with different coverage structures. Punjab provides up to ₹10 lakh per family per year to eligible Punjab residents, while Kerala KASP provides up to ₹5 lakh per eligible family per year. Beneficiaries should verify their eligibility, registration status, hospital empanelment and treatment package through the official government channels before seeking cashless treatment.
