Him Care Health Scheme (HP) — ₹5 Lakh Free Health Insurance – How to Apply & Benefits

What is Him Care Health Scheme?

Him Care is a health insurance scheme by the Government of Himachal Pradesh that provides cashless treatment of up to ₹5 lakh per family per year at empanelled hospitals. It was launched to cover families who are not eligible under the central Ayushman Bharat PM-JAY scheme.

The scheme is managed by the HP Swasthya Bima Yojana Society (HPSBYS) and covers hospitalization expenses including surgeries, diagnostics, medicines, and pre/post-hospitalization care.

Who is Eligible?

1. Residency: Must be a permanent resident of Himachal Pradesh
2. Not Covered Under PM-JAY: Families already covered under Ayushman Bharat PM-JAY cannot enroll under Him Care (they are already covered)
3. Registration: Family must register and pay the nominal annual premium
4. All Categories: Open to all HP residents irrespective of income — anyone not covered under PM-JAY can enroll

Premium & Coverage

Premium rates may be updated. Check hpsbys.in for the latest rates.

Benefits

• Cashless hospitalization at empanelled hospitals (government + private)
• 1,500+ medical/surgical procedures covered
• Pre-existing diseases covered
• Pre-hospitalization (3 days) and post-hospitalization (15 days) expenses
• Transport allowance
• No cap on family size — all members covered

Documents Required

• Aadhaar Card of all family members
• Ration Card or family details
• HP Bonafide Certificate / Domicile proof
• Bank account details (for premium payment if applicable)
• Passport-size photographs
• BPL Card (for free enrollment)

How to Register for Him Care Card

Online Registration

1. Visit himcare.hp.gov.in or hpsbys.in
2. Click on "Him Care Registration" or "Apply Now"
3. Enter Aadhaar number and family details
4. Upload required documents
5. Pay the annual premium online (if applicable — BPL families are free)
6. Download the Him Care e-card after successful registration
7. Print or save the card on your phone

Offline Registration

1. Visit the nearest Lok Mitra Kendra (LMK) or Common Service Centre (CSC)
2. Carry Aadhaar Card and Ration Card for all family members
3. Pay the premium (if applicable)
4. Biometric verification will be done
5. Him Care card will be generated

At Hospital (Emergency Registration)

1. Visit any empanelled hospital
2. Go to the Ayushman/Him Care help desk
3. Emergency registration can be done at the hospital itself
4. Carry Aadhaar Card for biometric verification

How to Use Him Care Card

1. Visit any Him Care-empanelled hospital
2. Show your Him Care card and Aadhaar at the reception/Ayushman desk
3. Biometric verification will confirm your identity
4. Get admitted for cashless treatment
5. No payment needed for covered procedures — the hospital bills the government directly

Important Tips

1. Renew Annually: Him Care registration must be renewed every year with premium payment
2. Carry Aadhaar: Always carry your Aadhaar for biometric verification at hospitals
3. Check Hospital List: Verify the hospital is empanelled before going — check at hpsbys.in
4. Helpline: Call 104 (HP health helpline) for Him Care queries
5. Don't Pay Cash: For covered treatments, you should not need to pay anything out of pocket

Frequently Asked Questions (FAQs)

Q1. What is the coverage under Him Care?

₹5 lakh per family per year for hospitalization and surgical procedures.

Q2. Who needs to pay premium?

BPL families, single women, and elderly (70+) get free enrollment. APL families pay a nominal annual premium of ₹365-₹1,000.

Q3. Can I use Him Care at private hospitals?

Yes, at any empanelled private hospital in HP or outside HP (for referral cases).

Q4. Is Him Care the same as Ayushman Bharat?

No. Him Care is the state scheme for families not covered under Ayushman Bharat PM-JAY. Together, they cover almost all HP residents.

Q5. Are pre-existing diseases covered?

Yes, pre-existing conditions are covered from the date of enrollment.

Q6. How do I renew my Him Care card?

Visit the HPSBYS portal or nearest LMK and pay the annual premium before your card expires.

Q7. What if the hospital refuses cashless treatment?

Contact the Him Care helpline or HPSBYS office. You can also call 104 for assistance.

This guide is for informational purposes only and is not affiliated with the Government of Himachal Pradesh. Visit hpsbys.in for official details. Also see our HP Sahara Yojana guide for additional HP health schemes.