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Mukhyamantri Swasthya Bima Yojana (MSBY): Benefits, Eligibility & How to Apply

TeamAckoMar 14, 2024

India is a country with a vast population and people coming from different sections. With each day passing, the cost of everything is increasing, including the cost of availing healthcare facilities. Especially for people coming from the vulnerable section of society, keeping up with healthcare expenses becomes very tough.

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Therefore, to reduce the pain of families and give them an opportunity to avail of good healthcare services, the Uttarakhand government came up with the scheme of Mukhyamantri Swasthya Bima Yojana or MSBY. keep reading to learn about the health insurance scheme in detail.



What is Mukhyamantri Swasthya Bima Yojna?

The Mukhyamantri Swasthya Bima Yojana is a health insurance scheme in Uttarakhand that provides citizens access to various medical services. It aims to offer mеdical insurancе and cashlеss trеatmеnt to individuals who nееd it most. The scheme was implemented in two phasеs – first in April 2016 and then again in August 2016.

In the first phase, they declared a medical policy for families signed up under the yojana, granting them medical coverage of Rs. 50,000. On the other hand, in the second phase, families who registered initially got coverage of Rs. 50,000, and later, this amount increased to Rs. 1.25 lakh. Moreover, they also added several critical diseases to the existing list of this scheme. It is like getting more coverage and protection for you and your family. So, are you now curious to learn more about this scheme? Scroll below to learn more in detail.

What are the Benefits of the Mukhyamantri Swasthya Bima Yojana Scheme?

Here are the benefits of the Mukhyamantri Swasthya Bima Yojana Scheme:

  • Free medical treatment to individuals, covering their healthcare in designated hospitals with no charges, regardless of whether they fall in the BPL or APL category.

  • Registering under the scheme means you get cashless treatment. Your medical bills are covered by the government's insurance, which means you do not have to pay a penny.

  • The MSBY smart card does not just cover you – it also takes care of five other family members for a whole year, making sure their health needs are sorted.

  • The MSBY scheme helps the government keep an eye on treatments and eases the burden of medical bills for the less fortunate. Moreover, you have the freedom to choose the institute that suits you best.

  • Private hospitals sometimes turn away people in need, especially the poor. However, with this scheme, that would not happen. You will have access to the healthcare you need.

What are the MSBY Exclusions?

The following are the MSBY exclusions that you must know:

  • A pension holder, a government employee, or an officer in the state is excluded from getting the perks of this health insurance scheme.

  • If you currently hold another insurance policy or are receiving benefits from a different medical scheme, you are not eligible to apply for the Mukhyamantri Swasthya Bima Yojana. This program is specifically for individuals without any existing health coverage.

What are the Eligibility Criteria for Mukhyamantri Swasthya Bima Yojana Online Registration?

You need to meet the following eligibility criteria for Mukhyamantri Swasthya Bima Yojana online registration:

  • You must be a permanent resident of Uttarakhand.

  • You must meet the specified income criteria.

  • You must not be a part of government officials.

Which are the Documents Required for Mukhyamantri Swasthya Bima Yojana?

Here are the documents required for Mukhyamantri Swasthya Bima Yojana:

  • Residential proof 

  • Income proof or certificate

  • Aadhaar card

  • BPL Certificate

  • Voter card

  • Ration card

  • Bank account details

  • Passport-sized photograph

How to Apply for MSBY Online?

You need to follow the below-mentioned steps for Mukhyamantri Swasthya Bima Yojana to apply online:

Step 1: Visit the official MSBY website.

Step 2: On the homepage, click on the Mukhyamantri Swasthya Bima Yojana Card option located on the right-hand side.

Step 3: Next, click the 'Enrolment of families' option.

Step 4: Fill in the details and click 'Proceed'.

Step 5: The application form will pop up on your screen.

Step 6: Complete all the information required in the application form and upload the necessary documents.

Step 7: Click the ‘Submit’ to finish your registration for the scheme.

After submission, the department verifies and approves your application. You will be able to download your Mukhyamantri Swasthya Bima Yojana Card. 

Final Takeaway

Now you have got an idea of what Mukhyamantri Swasthya Bima Yojana is and how it works. You must apply for this if you qualify for quality healthcare without worrying about costs. In addition, the Department of Health and Welfare monitors this program so that those who truly need medical treatment can still easily obtain treatment without spending a fortune.

Frequently Asked Questions (FAQs)

Given below are some of the commonly asked questions about the Mukhyamantri Swasthya Bima Yojana.


1. What is the Mukhyamantri Swasthya Bima Yojana Card?

The Mukhyamantri Swasthya Bima Yojana Card is a Biometric smart card issued to each family enrolled under the scheme.

2. How many family members does the smart card cover?

The smart card operates on a family floater basis, providing coverage for up to 5 enrolled family members.

3. Is the Mukhyamantri Swasthya Bima Yojana scheme open to residents from states other than Uttarakhand?

No, you cannot apply for Mukhyamantri Swasthya Bima Yojana if you are from another state. It is specifically designed for the people of Uttarakhand.

4. What benefits does the MSBY scheme provide?

With the MSBY scheme, you enjoy cashless health benefits for hospitalisation. It covers stays in both public and private hospitals that are part of the empanelled network.

5. Why do you need to provide certain documents for this scheme?

You need to provide the above-mentioned documents for this scheme to prove your eligibility and that you meet the guidelines defined by the government. They assist in the smooth running of your registration as part of the Mukhyamantri Swasthya Bima Yojana.

6. Which hospitals in Haridwar come under the MSBY scheme?

The hospitals in Haridwar which are covered under the Mukhyamantri Swasthya Bima Yojana (MSBY) scheme are as follows:

  • The district hospital Haridwar.
  • The district female hospital in Haridwar.


7. What were the changes in the second phase of this scheme?

The second stage of this scheme experienced a major boost in the form of Rs. 50,000 to Rs. 1.25 lakhs. Furthermore, various diseases were added to the existing list of illnesses covered by the Mukhyamantri Swasthya Bima Yojana Uttarakhand scheme.


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