New Delhi, April 8 -- Punjab's Mukhyamantri Sehat Yojana (MMSY), which offers health insurance coverage of up to Rs.10 lakh per family annually, is seeing increased utilisation in emergency and high-cost treatments, according to state health department data.

The scheme, which covers more than 2,300 medical procedures across empanelled public and private hospitals, is positioned as a mechanism to reduce out-of-pocket healthcare expenditure and improve access to timely treatment, particularly for conditions such as cardiac disease, cancer and renal disorders.

Officials said over 33 lakh families have been enrolled under the programme so far. The scheme has facilitated close to 1.99 lakh hospital treatments, with approvals amounting to app...