Himcare is a healthcare scheme for the people in Himachal Pradesh. The Himachal Pradesh government helps people by giving high medical expenses through the Himcare policy.
The premium for the policy is subsidized by the government for making affordable for low-income families. It provides health insurance of up to 5 lakhs to each family living in Himachal Pradesh.
It has multiple benefits like cashless hospitalization, coverage for pre-existing conditions, critical illnesses and more.
But, to get the medical cashless facility you have to register online through the official portal. It will have a validity of one year and has to be renewed before the expiry date.
In this article, we will explore all the details like eligibility, features, benefits, registration etc.
What is Himcare Policy
Himcare is a healthcare scheme launched by the Government of Himachal Pradesh, India. Which provides financial security to its citizens against high medical expenses. This policy provides health insurance coverage to all families living in Himachal Pradesh, including government employees, pensioners and other citizens.
Under this scheme, beneficiaries can avail of cashless hospitalization and treatment for pre-existing diseases. The policy covers hospitalization, day-care procedures and treatment expenses for critical illnesses.
The premium for the Himcare policy is subsidized by the government and provides coverage up to Rs 5 lakhs per family per annum, and there is no limit on the family member.
Overall, the Himcare policy is an affordable healthcare policy for the citizens of Himachal Pradesh, which can help reduce the burden of medical expenses on families and improve their overall well-being.
Himcare Policy eligibility criteria
The eligibility criteria for the Himcare policy in Himachal Pradesh are as follows:
- The applicant must be a resident of Himachal Pradesh and must belong to a family whose name is listed in the Socio-Economic Caste Census (SECC) database.
- The annual income of the applicant’s family should be less than or equal to Rs. 5 lakhs per annum.
- Applicant should not be a beneficiary of any other government-sponsored health insurance scheme.
- Applicant should not be an income tax payee. Also, should not be a member of the Armed Forces or Paramilitary Forces.
- Furthermore, the applicant should not be a government employee.
Note: The eligibility criteria may vary depending on the latest guidelines issued by the authority from time to time. Hence, it is advised to check the latest guidelines and eligibility criteria before applying for the Himcare policy.
How to Apply for Himcare?
You can follow the steps given below to apply for the Himcare policy in Himachal Pradesh:
- Visit the official website of Himachal Pradesh State Health Agency (HPSHA) https://www.hpshp.nic.in/.
- Click on the “Himcare” tab, which will appear on the Himcare page. Click on the “Apply Online” button.
- You will be directed to the online application form for Himcare. Fill in the required details like your name, address, family details and other information.
- Upload the required documents like your identity proof, address proof and income proof.
- Submit the form online after filling the application form and uploading the documents.
- Once the application is submitted, you will receive an acknowledgement receipt with a unique application number.
- The application will be processed by the concerned authorities, and you will be informed about the status of your application through SMS or email.
Note: If you face any issue while applying for Himcare policy online, you can also visit the nearest Himcare kiosk or the nearest Common Service Center (CSC) for assistance.
What is the validity of the Himcare card?
The validity of the Himcare policy in Himachal Pradesh is one year from the date of issue. The policy coverage is valid for a period of one year, and the beneficiaries need to renew their policy before its expiry in order to continue receiving the benefits.
The renewal premium will be calculated on the basis of family income and other factors. It is essential to renew the Himcare policy on time to avoid any lapse in coverage and to continue availing of the benefits of the plan,
What are the benefits of the Himcare Card?
A Himcare card is a health insurance card provided to beneficiaries under the Himcare scheme in Himachal Pradesh, India. The Himcare Card offers a host of benefits which is as follows::
- Cashless Hospitalization: With the Himcare card, beneficiaries can avail of cashless hospitalization and treatment at empanelled hospitals for various medical conditions including pre-existing ailments.
- Coverage for critical illnesses: The Himcare policy covers expenses related to the treatment of critical illnesses such as cancer, kidney failure, heart disease and others.
- Coverage for pre-existing conditions: The policy also covers expenses related to the treatment of pre-existing conditions, which may otherwise not be covered under other health insurance policies.
- No limit on family size: Himcare policy provides coverage for the entire family without any limit on the family members.
- Affordable premium: The premium for the Himcare policy is subsidized by the government, making it affordable for low-income families.
- Comprehensive Coverage: The Himcare policy provides coverage for expenses related to hospitalization, day-care procedures and treatment of critical illnesses.
Overall, the Himcare Card is an affordable healthcare policy for the citizens of Himachal Pradesh, which can help reduce the burden of medical expenses on families.
