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🇮🇳 Himachal Pradesh Scheme

Him Care Hp Eligibility — Calculations & Slabs for FY 2026-27

Check whether you are eligible for Himachal Pradesh's HimCare health insurance scheme providing cashless cover of up to Rs 5 lakh per family per year.

⚠️ Disclaimer: Benefits may be revised by state government. Verify at official portal before applying.

1. Input Parameters

Required Documents Checklist

HP Domicile proofs

  • HP Bonafide Resident Certificate
  • Aadhaar cards of all family members
  • Active Ration Card showing family count

Category Verification

  • Income certificate (issued by Tehsildar / Naib Tehsildar)
  • ASHA/Anganwadi employment copy or ID card
  • Disability certificate issued by Medical Board
  • Ekal Naari certificate from local Panchayat

Him Care Health Scheme (HIMCARE) Rules

HIMCARE is a flagship state initiative designed by the Himachal Pradesh Swasthya Bima Yojna Society. It bridges the healthcare gap for HP families not covered under the central Ayushman Bharat (PM-JAY) scheme. The program guarantees cashless, pre-existing-friendly hospital treatments.

Statutory Coverage

  • Total Benefit: Up to ₹5,00,000 per family per year on a family floater basis. Covers up to 5 members per card.
  • Card Renewal: The card remains valid for three years, but the premium must be paid annually online or through Lok Mitra Kendras (LMK).
  • Treatment Window: Seamless, cashless admissions at 200+ government hospitals in HP and empanelled private healthcare institutions.

Last verified: June 2026

Frequently Asked Questions (FAQ)

Him Care Health Scheme Himachal Pradesh eligibility 2026

To be eligible for HIMCARE in 2026, you must: 1. Be a bonafide resident of Himachal Pradesh. 2. Not be covered under Ayushman Bharat (PM-JAY), CGHS, or ESIC. 3. Not be a government servant or pensioner. Income-tax payers are excluded from the subsidy categories.

Him Care Health Scheme Himachal Pradesh how to apply

You can apply online via the official portal at himcare.hp.gov.in or through Lok Mitra Kendras (LMK) across HP. You need to upload your ration card, proof of category, and pay the relevant annual premium online. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Him Care Health Scheme Himachal Pradesh amount per month

HIMCARE does not pay a monthly amount. It provides cashless medical treatment coverage of up to ₹5,00,000 per family per year on a family floater basis at designated government and empanelled private hospitals. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Him Care Health Scheme Himachal Pradesh documents required

The key documents required include: 1. Bonafide Himachali Certificate. 2. Digital Ration Card copy. 3. Category certificate (BPL certificate, MNREGA card showing 50+ days work, ASHA/Anganwadi proof, or Ekal Naari cert). 4. Income Certificate (for General category families with income under ₹3 Lakh).

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

What Does This Calculator Do?

This calculator checks your eligibility for Himachal Pradesh's Mukhya Mantri Himachal Health Care Scheme (HIMCARE) for FY 2025-26 and FY 2026-27. It determines your premium tier and confirms your entitlement to cashless medical treatment.

How to Use It

  1. Domicile: Confirm if you are a bonafide resident/domicile of Himachal Pradesh.
  2. Other Insurance: Declare if you are covered under PM-JAY, CGHS, or ESIC (as these exclude you from HIMCARE).
  3. Annual Family Income: Input your gross annual family income.
  4. Category: Choose your specific socio-professional category (BPL, MNREGA worker, street vendor, disabled person, ASHA worker, or general category).

The Logic Explained Simply

  • HIMCARE Benefit: Provides a cashless health cover of up to ₹5 Lakh per family per year at empanelled hospitals.
  • Premium Structures:
  • Category 1 (BPL, street vendors, MNREGA workers with 50+ days work): Free (₹0 premium).
  • Category 2 (Ekal Naari, disabled >40%, ASHA/Anganwadi workers, daily wage/contractual gov employees): ₹365 per year.
  • Category 3 (General category, income under ₹3 Lakh): ₹1,000 (1-3 members) / ₹1,600 (4-5 members) / ₹1,825 (more than 5 members).
  • Government employees and income tax payers are excluded.

Real-World Calculation Breakdown

A family of 4 in Shimla is not covered under PM-JAY, CGHS, or ESIC. The husband is a general daily wage earner with an annual family income of ₹2,20,000:

  • HP Bonafide Resident: Yes (Eligible).
  • Exclusion check: No PM-JAY/CGHS/ESIC (Eligible).
  • Family Size: 4 members.
  • Premium Tier: Category 3 (Annual income is between ₹1.80 Lakh and ₹3.00 Lakh, family size is 4).
  • Annual Premium: ₹1,600/year.
  • Entitled Benefit: Upon paying ₹1,600, the family secures ₹5,00,000 of cashless medical treatment coverage for all 4 members.

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