Sarbat Sehat Bima Yojana (AB-SSBY)

  • Author :
  • TATA AIG Team
  • Published on :
  • 16/04/2024

Over the last few years, there has been a significant rise in healthcare costs in India. The increased medical charges not only lead to financial challenges, but also deprive the poor and needy from getting the required treatment.

To address this problem, the Punjab government has launched the Ayushman Bharat Sarbat Sehat Bima Yojana (AB-SSBY), which aims to make healthcare easily accessible to the weak and vulnerable sections of society.

In this blog, we will discuss the details of the SSBY Punjab scheme, its benefits, and how to register for it.

What is Sarbat Sehat Bima Yojana?

The Ayushman Bharat Sarbat Sehat Bima Yojana is a health insurance initiative launched by the Punjab government in 2019. Its objective is to provide affordable healthcare services to Punjab's Economically Weaker Sections (EWS) citizens.

Under these schemes, the eligible candidates can get cashless treatment of up to ₹5 lakhs at the government and private empanelled hospitals. In other words, the beneficiaries can get cashless medical treatment, including surgeries, without worrying about the expenses.

Coverage Under SSBY Punjab

The health coverage under the SSBY Punjab includes surgeries, newborn child treatment, up to three days of pre-hospitalisation, up to 15 days of post-hospitalisation, and other hospitalisation costs.

Here are some of the common medical conditions covered by the AB-SSBY:

  • General Surgery

  • Cardiology

  • General Medicine

  • Eye Surgery

  • Mental Disorder

  • Plastic Surgery

  • Paediatric Surgery

  • Neurosurgery

  • Cancer

  • COVID-19

  • Polytrauma

  • Radiation Oncology

  • Orthopaedics

  • CT scans

  • MRI

  • Other Critical Ailments

SSBY Punjab Eligibility Check: Who is Eligible for Sarbat Sehat Bima Yojana

  • You must be a legal resident in the state of Punjab.

  • You must belong to the categories of eligible beneficiaries.

  • You must have a valid ration card.

  • Besides following are the main categories of SSBY Beneficiaries:

  • Small and medium farmers

  • Smart ration card holders

  • Small-scale traders who are registered with the Taxation Department

  • Families in Punjab covered under SECC 2011

  • J-form holders

  • Accredited journalist and media person with a yellow card

  • Registered construction workers

  • Further, you can visit the official Punjab government website to check further details.

Benefits of Ayushman Bharat Sarbat Sehat Bima Yojana

Free Health Coverage: The first and key advantage of the SSBY Punjab is that it provides health coverage of up to ₹5 lakhs per eligible family. In simple words, the eligible candidates can avail of a medical treatment of up to ₹5 lakhs, including treatment for a variety of critical health ailments.

Cashless Treatment: With the SSBY scheme, you don’t have to make money arrangements to get a good-quality treatment in Punjab. Instead, you can get cashless treatment at registered SSBY centres, public and private hospitals, and other empanelled healthcare facilities.

Pre- and Post-Hospitalisation Care: SSBY not only covers the beneficiaries' hospitalisation costs but also deals with secondary and tertiary activities like diagnoses, doctor consultations, recovery sessions and so on.

Preventative Healthcare: SSBY allows the beneficiaries to prioritise their health and take preventive care and treatment to stop an ailment from getting worse. This scheme encourages the poor and needy to take routine checkups, screenings, vaccinations and other preventative measures without worrying about the resulting cost.

Easily Accessible Healthcare Services: Last but not least, the SSBY card allows individuals to get treatment from experienced professionals at empanelled facilities available all across the state.

How to Get Registered for SSBY Punjab?

Since SSBY is an entitlement-oriented health scheme, there is a separate enrolment procedure for it. If you are eligible, your name will be mentioned in the eligibility list on the official website.

  • Typically, the data for different categories of SSBY beneficiaries is prepared by the following entities:

  • Food and Civil Supply Department (for smart ration card owners)

  • PUNMEDIA (for journalists and media persons)

  • Construction Workers Welfare Board (for construction workers)

  • Excise and Taxation Department (for small-scale traders)

  • Punjab Mandi Board (for marginal and small farmers)

To learn whether or not you are eligible, visit the official SHA Punjab website and check your eligibility online by following the below steps:

Step 1: Launch the official site of the State Health Agency Punjab.

Step 2: Select the “check your eligibility” option from the pop-up.

Step 3: Enter the specified details such as name, Adhaar number, ration card number, district, etc.

Step 4: Fill in the captcha and hit “Search”.

5 Lakh Bima Yojana Registration Punjab: How to Get an SSBY Card?

Once you know that you are eligible for the benefits of SSBY yojana, you can visit your nearest service centre to get an SSBY card for your family. You will need to fill out a form and submit a few documents to obtain the SSBY card.

The service centres for SSBY are present in all the major cities of Punjab, including Amritsar, Chandigarh, Ludhiana, Bhatinda, etc.

To find your nearest service centre, do the following:

Step 1: Launch the website of the State Health Agency Punjab.

Step 2: Select “Citizen Corner”.

Step 3: Click on “Location for Ecard Generation” to locate the centre closest to your location.

Step 4: Visit the centre and request a Sarbat Sehat Bima Yojana card download. You can even request the designated officials for further help and assistance with the scheme.

List of SSBY Empanelled Hospitals

To check the list of empanelled hospitals under the Ayushman Bharat Sarbat Sehat Bima Yojna, follow the below steps:

Step 1: Launch the website of the State Health Agency Punjab.

Step 2: Click the “Empanelled Hospitals” option in the “Hospitals” tab.

Step 3: Filter the hospital you are looking for by selecting the given options from the drop-down.

Not Eligible for SSBY? Get Health Insurance from Tata AIG

The Sarbat Sehat Bima Yojana is definitely a great health insurance scheme launched by the Punjab government. It is successfully helping the poor and low-income families in the state to get the desired medical treatment without worrying about finances.

So, go ahead and check your eligibility for SSBY today.

Not eligible for SSBY Punjab? Don’t worry! Tata AIG has got you covered.

With our medical insurance plan, you can get cashless treatment at any hospital in the country, not just in Punjab. Further, we offer comprehensive coverage for a variety of health conditions including many critical illnesses.

The best part is that you can purchase our mediclaim policy online without having to undergo any pre-medical checkup. We offer efficient claims, cashless claims settlement, and many more benefits at pocket-friendly prices.

So, whether you are looking for something as basic as dental insurance or comprehensive critical illness insurance, Tata AIG is your one-stop insurance solution.

Get in touch for more information!


What is the 5 lakh card scheme?

The 5 lakh card scheme is another name for the AB-SSBY Punjab healthcare scheme.

Is the Ayushman card valid in a private hospital in Punjab?

Yes. The SSBY card is valid in all the empanelled private and public hospitals in the state. You can check the list of empanelled hospitals in your area by visiting the official website of Punjab State Health Agency.

What if I’m not eligible for SSBY?

If you are not eligible for the benefits of SSBY, you can purchase a comprehensive medical insurance plan from a reliable insurance provider such as Tata AIG.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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