{"id":1833,"date":"2026-11-05T14:32:31","date_gmt":"2026-11-05T14:32:31","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1833"},"modified":"2026-11-13T11:46:39","modified_gmt":"2026-11-13T11:46:39","slug":"blog-health-insurance-himcare-himachal-pradesh","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-himcare-himachal-pradesh\/","title":{"rendered":"What is the HIMCARE Scheme in Himachal Pradesh?"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n
HIMCARE, or the Mukhya Mantri Himachal Health Care Scheme, is Himachal Pradesh’s health scheme for families not covered under Ayushman Bharat PM-JAY. It has run since 1 January 2019 through the HP Swasthya Bima Yojana Society. It gives cashless treatment of up to \u20b95 lakh per family per year on a floater basis at empanelled hospitals. Unlike most state schemes, HIMCARE charges a small annual premium that depends on your category. Groups such as BPL families, registered street vendors, eligible MNREGA workers, senior citizens above 70 and children in orphanages pay nothing. Other categories pay \u20b9365 or \u20b91,000 a year. Government employees, pensioners and their dependants are not eligible. You can enrol and renew online at hpsbys.in or at a Lok Mitra Kendra or Common Service Centre. Hospitals empanelled under Ayushman Bharat in the state also accept HIMCARE.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

HIMCARE Explained: Himachal’s \u20b95 Lakh Health Card for the Families Ayushman Bharat Missed<\/b><\/h2>\n

Built for the families in between<\/b><\/h3>\n

Ayushman Bharat covers families picked from national surveys. Government employees have their own medical reimbursement. But in the hills, plenty of families fit neither box: the orchard owner in Kinnaur, the homestay family in Kasol, the shopkeeper in Mandi.<\/span><\/p>\n

Himachal Pradesh noticed that gap early. On 1 January 2019, it launched HIMCARE to cover exactly those left-out families, with the same \u20b95 lakh cover as Ayushman Bharat.<\/span><\/p>\n

There’s one twist. HIMCARE isn’t always free. Depending on your category, you pay \u20b90, \u20b9365 or \u20b91,000 a year. That’s a small price for a big cushion, but it means you need to renew on time.<\/span><\/p>\n

Here’s how it works, who qualifies, and how to plan beyond it.<\/span><\/p>\n\n\n\n
Working in Chandigarh while your parents run the apple orchard back home?<\/b> Long-distance insurance planning is harder than it looks.<\/span> Book a call with us<\/span><\/a> and we’ll help you map the family’s cover. Faster than the Shimla traffic jam on a long weekend.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What HIMCARE actually gives you<\/b><\/h3>\n

HIMCARE is run by the Health and Family Welfare Department through the HP Swasthya Bima Yojana Society. It mirrors Ayushman Bharat in how it works, but it’s aimed at families Ayushman Bharat doesn’t cover.<\/span><\/p>\n

The essentials:<\/span><\/p>\n