Healthcare costs can lead to the collapse of families. The Government of Himachal Pradesh, offers relief through Mukhya Mantri Swasthya Yojana in Himachal (HIMCARE). Through this initiative of the state government, it becomes possible to afford treatment for serious conditions. It puts the residents in a good position to take care of their health. By 2019. the program implementation had created a significant impact on most citizens. On February 27, 2025, its impact grows stronger. Let’s explore its benefits, eligibility, and how to enroll today. .
Millions are weighed down by life-threatening illnesses such as cancer and kidney failure. Just a single hospital bill is enough to wipe out all the savings. HIMCARE comes to the rescue and compensates people without asking for any money. More than 10 lakhs of families have been benefitted across Himachal Pradesh. Are you interested? Let’s see what makes this health insurance policy different and special. Is the facility only available in Himachal Pradesh or are there any other options?
How Does HIMCARE Work Out to Be a Great Success in Himachal Pradesh?
Mukhya Mantri Himachal Health Care Scheme, is an answer to healthcare woes which can be found all over the state. It is an addition to Ayushman Bharat, and it caters to those who are not insured by the government. The plan allows for the treatment of particular diseases without money for the residents. Under this family, children also have a sum of ₹5 lakh healthcare cover annually. There is an annual premium variable that starts from ₹365 to ₹1,000 based on category.
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There are a total of 1,000 medical procedures that HIMCARE covers. Cardiothoracic surgeries, dialysis procedures, and cancer treatment are the most important services at the hospital. Coming of previous diseases also is one of the reasons for qualification for the insurance plan. The hospitals that are part of the hospitals delivering the high-quality services include two empaneled ones. The service is available for people living in the country and those living in towns.
Key Fact: A Solan patient saved ₹8,000 on infection treatment in 2024. Who’s eligible?
Am I Eligible for HIMCARE in Himachal Pradesh?
HIMCARE presents a vast and all-encompassing choice to its would-be users. Those residents of Himachal Pradesh have to meet specific criteria. Families from the Ayushman Bharat scheme that are still not in the net are given preference. Among the eligible groups are BPL households, MNREGA workers (=50 days), and street vendors. The senior citizens aged 70 or more and orphans are also beneficiaries.
Premiums will be different: ₹365 for BPL families, ₹1,000 for others. You need to provide your Aadhaar, ration cards, or category proof to get it. There is no cap on the number of members per family–in other words, the extra units of five can register separately. Over 4 lakh e-cards have been issued statewide.
Key Fact: The Kullu families were able to save a total of ₹18,000 on gallstone surgeries last year. What’s covered?
What does HIMCARE offer And What Benefits Are There from Himachal Healthcare?
With HIMCARE in Himachal Pradesh, you get cost-free healthcare all over the state. Of particular interest is the no-cash hospitalization facility. As medical coverage stands, in case of life-threatening diseases such as kidney stones and heart disease, patients are entitled to full coverage. Free diagnostics and follow-ups like personalized prescriptions are also frequently the part of the package.
The limit to reconciliation is 5 lakhs per year for the whole family. The entire family can avail medical treatment not just at other hospitals but also at GMCH Sector 32 in Chandigarh. For instance, a Shimla inhabitant received a dialysis discount of rupees 25,000. HIMCARE says it has assisted the entire state in the cashless coverage
Main Fact: More than 70% of the patients did not spend a single rupee on the care they received.
How to Apply for HIMCARE: Your 10-Step Guide
Joining in HIMCARE with the help of local authorities is easy in Himachal Pradesh. You can follow these steps to get access to medical care:
- Check Eligibility: Are you a BPL, a MNREGA worker, or part of the specified categories of other people?
- Gather Documents: Get your Aadhaar, the identity card and proof of other category/occupation mentioned in the list of documents.
- Visit Online: Go the website, www.hpsbys.in.
- Register: Put in your mobile number and wait for OTP.
- Fill Details: Write the names and other personal information of family members.
- Upload IDs: Fax or mail the needed reports of identity to the system.
- Authenticate: You will be asked to complete e-KYC verification using Aadhaar OTP.
- Pay Premium: Reload ₹365 or ₹1,000 on online.
- Download e-Card: Once your HIMCARE is approved, you can keep this e-card as proof of its possession.
- Get Treatment: Make sure you attend any hospital or medical facility in the entire state which is in collaboration with HIMCARE.
Pro Tip: For help in life centers, go to a Lok Mitra Kendra. If you have lost your card and need assistance, you can get in touch with the support team by calling 1800-180-4444.
Real Impact: Transformation Lives in Himachal Pradesh
With a proud smile and happy tears on their eyes, the parents of a Kangra family realized great joy at getting the news that their child was eligible for free cancer treatment, which would cover one of many children successfully treated for cancer in 2024. More than ₹500 crore, including medicines, investigations, and each surgery have been spent on treatments from 2019 to January 2024. Rural hospitals, through a network of 80% beneficiaries, run the healthcare system now. Serious illnesses no longer pose a threat to the people’s wealth.
Success stories abound. Good news was that another Mandi patient underwent a free heart surgery, valued at ₹1 lakh. The program narrows the urban-rural gap and brings the communities closer. Send this article to someone who needs help, please!
