Mukhyamantri Himachal Health Care Scheme (HIMCARE) Scheme

The Mukhyamantri Himachal Health Care Scheme also known as the HIMCARE scheme. A health insurance initiative taken by the government of Himachal Pradesh. The scheme aims to provide quality healthcare and cashless treatments for the underprivileged.

• Eligibility Criteria:

Assistance is provided to families who are not covered under Ayushman Bharat. This is based on the SECC, 2011 and RSBY which ensures that targeted assistance is provided to those who need it. 

• Cashless Treatment on Co-payment Basis:

Underprivileged individuals in Himachal Pradesh can receive cashless treatments with a co-payment arrangement. 

• Implementation Date:

Officially launched on January 1, 2019, by the Government of Himachal Pradesh.

• Coverage Amount:

Cashless treatments provide a cover of ₹5 Lakhs annually per family which is on a floater basis. This can cover up to five family members. 

• Family Size Extension:

Families that exceed the cap of five members can enrol the pending members as a separate unit. Each separate unit is capped at five members. 

• Treatment at Empanelled Hospitals:

Treatments under HIMCARE are based on pre-defined package rates. This helps with providing affordable healthcare services and standardise hospitalisation policies.

The following category of people are eligible for the HIMCARE health scheme:

• BPL Category people

• Registered Street Vendors

• Ekal Naaris

• More than 40% of disabled

• Senior Citizens above the age of 70 years

• Anganwari Workers/Helpers

• ASHA workers

• Mid-day meal workers

• Contractual Employees

• Daily Wage Worker

• Part-time Workers

• Beneficiaries under HP Universal Health Protection Scheme

• Beneficiaries not included in the above categories/non–government servants and their dependents

To apply for the HIMCARE scheme online, follow these steps:

1. Visit the official website of the HIMCARE scheme

2. Click on 'Online HIMCARE Enrolment’

3. Upload proof of the mentioned category and both sides of your ration card

4. Enter dependent details

5. Complete the captcha and submit the application

6. Receive a Unique Reference Number (URN) for tracking the scheme status

7. Upon receiving the URN, make an online payment to finalise the HIMCARE registration

After registering on the HIMCARE website, follow these steps to view enrolment status:

1. Visit the HIMCARE scheme website

2. Click on 'HIMCARE Enrollment' and select 'HIMCARE Enrollment Status’

3. Enter your Unique Reference Number (URN) or ration card number

4. Track the status of your enrolment

Once the enrolment is verified, the applicant will receive an SMS confirmation. They can download/generate the HIMCARE card under this scheme. To obtain the HIMCARE health card online, follow these steps:

1. Visit the website and click on 'HIMCARE Enrolment’

2. Choose the option 'Get my HIMCARE Health Card’

3. Enter either the Unique Reference Number, ration card number, or Aadhaar card number

4. Individuals can also obtain the HIMCARE health card directly at the hospital. This provides flexibility in accessing the health card through multiple channels.

The Common Services Center (CSC) and Lok Mitra Kendra (LMK) looks after the enrolment. They will collect ₹50 per family for the enrolment process and documentation. Upon approval, beneficiaries can print their cards from the respective CSC/LMK.

The HIMCARE card renewal process occurs within a three-month window each year. This window is open between January to March, to mitigate adverse selection issues. Here's a step-by-step guide for renewal:

• Notification:

The beneficiaries will receive an SMS notification 15 days before the policy expiration. This notice is sent to their registered mobile number. The notification includes a policy renewal link for convenient renewal.

• Renewal Steps:

1. Visit the official website of the HIMCARE scheme

2. Navigate to the homepage and click on 'HIMCARE Enrolment’

3. Select 'Renewal of Card’

4. Enter your Unique Reference Number (URN) or HIMCARE number to complete the process

To access the comprehensive list of empanelled hospitals, follow these steps:

1. Visit the official website of the HIMCARE scheme

2. Click on 'Search Hospital’

3. Enter the District and Specialty details

4. View the list of hospitals empanelled under the HIMCARE scheme

5. Explore all the hospitals under the HIMCARE health yojana in your vicinity

In summary, these steps provide a quick guide to navigating the HIMCARE website. Even lets you access the list of empanelled hospitals. If you are aware of someone eligible for this scheme, encourage them to enrol to avail the benefits.

Health Insurance Plans Available at Bajaj Markets