In a push towards affordable healthcare, the Punjab government has launched a universal health insurance scheme that promises cashless treatment of up to Rs 10 lakh per family each year. The initiative, to be implemented through a ‘Chief Minister Health Card’, is set to cover every resident of the state, making Punjab the first in the country to provide such comprehensive protection without income-based restrictions.
The programme officially began on September 23 i.e. today with pilot registrations in Barnala and Tarn Taran districts. Dedicated camps and centres have been set up in these areas, where families can enrol within minutes. Once the pilot succeeds, the scheme will be rolled out across all districts in the coming months.
Officials said that more than 2,000 medical procedures would be covered under the plan. Both government hospitals and empanelled private hospitals will offer treatment under the scheme, allowing beneficiaries to avail themselves of services without making advance payments.
How to register
Residents can register at Seva Kendras, Common Service Centres (CSCs) or at special registration camps organised by the state. The following documents are required:
Aadhaar card, voter ID or passport as proof of identity
Passport-size photograph of the applicant
After registration, families will receive the ‘CM Health Card’, which will act as their gateway to avail the benefits.
Who is eligible
The scheme is universal, covering all families living in Punjab. Unlike earlier insurance models, there is no income cap or category restriction. Each family, regardless of social or economic status, will be entitled to treatment worth Rs 10 lakh annually.
Benefits at a glance
Rs 10 lakh annual cover per family
Cashless treatment across Punjab
2,000+ procedures and surgeries covered
Applicable in both government and empanelled hospitals
CM Health Card required for availing services
Registration open at Seva Kendras, CSCs, and pilot camps
Why the scheme matters
Healthcare costs remain one of the biggest financial burdens for families, often forcing them into debt. By ensuring free, cashless and universal treatment, the state government aims to remove the fear of medical expenses, encourage people to seek timely treatment, and reduce dependency on private loans for hospital bills.
Chief Minister Bhagwant Mann has called the initiative a “historic step” that would ensure no resident of Punjab is denied treatment for lack of money. Health officials added that by involving private hospitals alongside government facilities, the scheme would increase accessibility and reduce waiting times for critical care.
What’s next
The government plans to monitor the pilot phase closely before extending the scheme across the state. Once implemented statewide, every family in Punjab will be equipped with a CM Health Card, marking a significant milestone in the state’s welfare policies, as per government officials.
