Sarbat Sehmat Bima Yojana
  • Government Insurance in Punjab
  • Beneficiaries of AB-SSBY
  • Key Features
Sarbat Sehmat Bima Yojana
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Sarbat Sehmat Bima Yojana: Introduction

Access to premium healthcare is still a challenge for many families below the poverty line. Recognising the lack of access to quality health care the state government of Punjab launched Sarbat Sehmat Bima Yojana on August 20th, 2019. It is a versatile scheme designed for the beneficiaries of the state of Punjab who fall under the weaker economic sections of the society.

AB-SSBY is designed to provide financial coverage to 65% of the population of the state of Punjab. The state government scheme comes with benefits like:

  • cashless hospitalisation
  • paperless treatment
  • pre-existing disease cover

This article discusses the nuances of Ayushman Bharat PM-JAY Mukh Mantri Sarbat Sehmat Bima Yojana benefits, eligibility, ailments covered, and how you can apply for the scheme.

Who Can Benefit From Sarbat Sehmat Bima Yojana?

As per the official website, you are eligible for Sarbat Sehmat Bima Yojana if you are:

  • A resident of Punjab
  • An NFSA (National Food Security Act) ration cardholder
  • Recognized under Socio-Economic Caste Census
  • J-form holder farmers
  • Small and marginal farmers
  • Construction workers
  • Small traders
  • Journalists holding a yellow card

What Are The Key Features Of Sarbat Sehmat Bima Yojana?

The listed key features of the policy are:

  • Annual sum insured of INR 5 Lakhs per family yearly
  • A total of 1579 secondary and tertiary care treatments are offered in public and empanelled private hospitals
  • A total of 187 care packages are reserved for government hospitals
  • Pre-existing diseases are covered
  • 3 days pre-hospitalisation and 15 days post-hospitalisation coverage
  • Daycare procedures

Diseases Covered Under The Sarbat Sehmat Bima Yojana

The list of ailments covered under the Sarbat Sehmat Yojana are:

  • Cardiology ailments
  • Mental illnesses
  • COVID-19
  • Cancer
  • General Surgery
  • Neurosurgery
  • Eye surgery
  • Paediatric Surgery
  • General Medicine
  • Radiation Oncology
  • MRI and CT scan
  • Other serious ailments.

How Many Families Have Benefited From The Sarbat Sehmat Bima Yojana?

The Sarbat Sehmat Bima Yojana has so far covered these beneficiaries in the state of Punjab:

  • NFSA cardholders - 18.49 Lakhs
  • SECC families - 16.65 Lakhs
  • Farmers - 5.56 Lakhs
  • Construction workers - 3.12 Lakhs
  • Small traders - 0.33 Lakhs
  • Journalists - 3220

Check Your Eligibility For Sehmat Bima Yojana

As per the official website of the State Health Agency of Punjab there is no enrolment process as this policy is an entitlement based scheme. However, through a simple online procedure, you can check your eligibility for the state-sponsored scheme.

  • Visit the official website of the State Health Agency Punjab
  • Click on the ‘Check Your Eligibility’ pop-up
  • Sarbat sehat bima
  • Provide details such as ration card number, name, district, Aadhar, etc. and enter captcha on screen
  • Sarbat sehat bima
  • A list of beneficiaries will be displayed on submitting all the information

Empaneled Private and Government Hospitals under Sarbat Sehmat Bima Yojana

  • Visit the official website of State Health Agency Punjab and click on Empaneled Hospitals’ under the ‘Hospitals’ tab to view all the government and private empanelled hospitals.
  • Sarbat sehat bima
  • On visiting the ‘Empanelled Hospitals’ landing page you can select from the drop down menu the desired hospital you want.
  • Sarbat sehat bima

What Are Sarbat Sehmat Bima Yojana Service Centres?

AB SSBY service centres are present in different cities of Punjab. Cities like Amritsar, Bhatinda, Ludhiana, Chandigarh, etc. have Sarbat Sehmat Bima service centres. These service centres are your resources to provide you assistance regarding the AB-SSBY card.

What Are AB -SSBY Cards?

Beneficiaries of the state policy must apply and obtain the AB-SSBY card. You can apply for the Sarbat Sehmat Bima Yojana cards by visiting the offline service centres.

  • To locate the offline service centres visit the official website and click on ‘Citizen Corner’
  • Sarbat sehat bima
  • Furthermore, click on ‘Location for Ecard Generation’ to find your nearest service centre.
  • Sarbat sehat bima
  • Visit the following centres closest to your residence to generate an E-card which will help you avail of services like cashless treatments, doctor check-ups, etc.


With a vast number of government health insurance schemes designed by the state and central government, it is evident how the health insurance landscape is improving. Designing affordable health schemes provides the economically weaker sections of society the opportunity to get treated in the best healthcare infrastructure around the country.

Sarbat Sehmat Bima Yojana is one of the best government health schemes for the residents of the state of Punjab. It helps improve the overall healthcare facilities for all. To know more about government health insurance schemes, connect with our insurance experts at PolicyX.

Sarbat Sehmat Bima Yojana: FAQs

1. What is the Sarbat Sehmat Bima Yojana?

The government of Punjab launched the Sarbat Sehmat Bima Yojana on 20th August 2019 for the benefit of economically weaker sections of the society. The government scheme offers an annual sum insured of INR 5 lakhs along with facilities like cashless treatments, daycare procedures cover, and more.

2. Where can I see if I am eligible for Sarbat Sehmat Bima Yojana?

You can visit the official website of the State Health Agency and check your eligibility by following the steps given above in this article.

3. How many diseases are covered under the Sarbat Sehmat Bima Yojana?

The various diseases covered under the Sarbat Sehmat Bima Yojana are:

  • Cancer
  • Heart Ailments
  • Mental Illnesses
  • Eye surgery
  • MRI and CT scans, and more

4. How to apply for E-cards to avail of the benefits of Sarbat Sehmat Bima Yojana?

Visit the nearest service centre and ask for the required forms. Fill in the needed information and submit it at the service centre with supporting documents such as Aadhar card, Ration card, etc.

5. What are the features offered under Sarbat Sehmat Bima Yojana?

The following features are available:

  • Annual coverage of INR 5 Lakhs
  • 15 days post hospitalisation
  • 3 days pre hospitalisation
  • 1579 secondary and tertiary care treatments, and more

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.