What is Swasthya Sathi Scheme?
Swasthya Sathi is West Bengal government's flagship health assurance scheme, run by the state Health & Family Welfare Department, that gives every family a smart card worth ₹5 lakh of cashless treatment per year at empanelled government and private hospitals. Unlike most insurance products, there is no income test and no premium for the household — the entire cost is borne by the state, and the card is issued in the name of the senior-most woman of the family. Coverage extends to more than 500 medical and surgical packages, including cardiac care, cancer, dialysis and ICU stays, with no cap on family size. Hospitals settle bills directly with the scheme, so patients pay nothing at the counter. More than 10 crore residents are covered.
Swasthya Sathi Scheme — Quick Overview
| Scheme Name | স্বাস্থ্য সাথী প্রকল্প 2026 — ₹5 লাখ বিনামূল্যে স্বাস্থ্য বিমা West Bengal |
| State | West Bengal (पश्चिम बंगाल) |
| Launched By | Government of West Bengal |
| Launch Year | 2016 |
| Benefit | ₹5 lakh cashless health insurance per family per year |
| Category | Health |
| Beneficiaries | 10 crore+ people in West Bengal |
| Last Verified | 17 June 2026 |
| Official Portal | https://swasthyasathi.gov.in |
स्वास्थ्य साथी पश्चिम बंगाल सरकार की प्रमुख स्वास्थ्य बीमा योजना है। प्रति परिवार प्रति वर्ष ₹5 लाख का कैशलेस इलाज सरकारी और निजी अस्पतालों में मिलता है। राज्य के 10 करोड़ से अधिक लोग इस योजना से लाभान्वित हैं।
₹5 लाख कैशलेस स्वास्थ्य बीमा प्रति परिवार प्रति वर्ष
স্বাস্থ্য সাথী পশ্চিমবঙ্গ সরকারের প্রধান স্বাস্থ্য বিমা প্রকল্প। এই প্রকল্পের মাধ্যমে প্রতিটি পরিবার বছরে ₹৫ লাখ পর্যন্ত ক্যাশলেস চিকিৎসা সুবিধা পান সরকারি ও বেসরকারি সরকার-স্বীকৃত হাসপাতালে। রাজ্যের ১০ কোটিরও বেশি মানুষ এই প্রকল্পের আওতায় আছেন। কার্ড পেতে Duare Sarkar ক্যাম্পে বা BDO অফিসে যোগাযোগ করুন।
📌 फायदा: পরিবার প্রতি বছরে ₹৫ লাখ ক্যাশলেস স্বাস্থ্য বিমা
पात्रता:
পশ্চিমবঙ্গের সকল স্থায়ী বাসিন্দা — আয়ের কোনো সীমা নেই। BPL, MGNREGA শ্রমিক, সরকারি কর্মী সবাই পাত্র।
अर्ज कसा करावा:
Duare Sarkar ক্যাম্পে বা BDO অফিসে গিয়ে নথিভুক্তি করুন। আধার কার্ড ও ভোটার কার্ড নিয়ে যান। swasthyasathi.gov.in পোর্টালেও তথ্য পাওয়া যায়।
Benefits of Swasthya Sathi Scheme
✅ ₹5 lakh cashless health insurance per family per year
₹5 लाख कैशलेस स्वास्थ्य बीमा प्रति परिवार प्रति वर्ष
Who is Eligible for Swasthya Sathi Scheme?
- ✓ Permanent resident of West Bengal
- ✓ All residents — BPL, MGNREGA workers, government employees, and general public
- ✓ Family card (Swasthya Sathi card) required at empanelled hospital
- ✓ No income limit — universal scheme for all WB residents
Documents Required for Swasthya Sathi Scheme
How to Apply for Swasthya Sathi Scheme Online?
- 1Duare Sarkar Camp বা নিকটতম BDO অফিসে যান
- 2Swasthya Sathi নথিভুক্তি ফর্ম পূরণ করুন
- 3আধার কার্ড, ভোটার কার্ড বা রেশন কার্ড জমা দিন
- 4পরিবারের সকল সদস্যের নাম নথিভুক্ত করুন
- 5স্বাস্থ্য সাথী কার্ড পান — হাসপাতালে ভর্তির সময় উপস্থাপন করুন
Official Government Portal — West Bengal
Applications go through swasthyasathi.gov.in only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗 Apply at swasthyasathi.gov.in or Duare Sarkar CampReal-Life Examples — Are You Eligible for Swasthya Sathi Scheme?
See which of these applicant profiles is closest to your case:
A West Bengal family that has never enrolled, where the senior-most woman applies at a Duare Sarkar camp with Aadhaar and ration card
Eligible — The scheme is universal for WB permanent residents with no income limit, and the family card is issued in the senior woman's name — so a first-time enrolling resident family qualifies.
A government employee's household in West Bengal seeking the card
Eligible — Swasthya Sathi explicitly covers all residents including government employees, MGNREGA workers and BPL families, since there is no income test.
A family that recently relocated from another state and is not yet a permanent resident of West Bengal
Not eligible — Enrolment requires being a permanent resident of West Bengal with valid local residence proof; a household without that domicile status cannot get the card.
Sample profiles, not guarantees — recheck the notified criteria before you apply.
Common Mistakes — Why Swasthya Sathi Scheme Applications Get Rejected
- ✗Reaching an empanelled hospital without the Swasthya Sathi card in hand, since cashless treatment cannot be authorised without presenting the family card.
- ✗Leaving out eligible family members at the time of enrolment, so they are not listed on the card and cannot use the ₹5 lakh cover.
- ✗Using an expired or damaged card and being turned away at the hospital help desk.
- ✗Assuming a non-empanelled private hospital will be reimbursed — only hospitals on the empanelled list provide cashless care.
Insider Tips for Swasthya Sathi Scheme
- →Enrol the whole family at a Duare Sarkar camp or BDO office and verify every member's name is printed on the card before you leave.
- →Check the empanelled hospital list on swasthyasathi.gov.in for your district before any planned admission.
- →Keep the card and a photo ID together so you can present them immediately at the hospital Swasthya Sathi help desk.
- →If any family detail changes, update the card promptly rather than waiting until a hospital admission to fix it.