What is HP HimCare Scheme?
HimCare is Himachal Pradesh's own health-insurance answer for everyone who falls outside Ayushman Bharat (PM-JAY). Operated by the state's Health & Family Welfare Department through the HP State Bima Yojana portal, it gives an enrolled family up to ₹5 lakh of cashless hospitalisation cover each year at empanelled government and private hospitals. The scheme deliberately fills the gap left by PM-JAY's SECC list — families above that threshold, self-employed people, daily-wage earners, pensioners and even HP government employees can buy in. Coverage is activated against a small annual premium (₹365 for non-government families and ₹1,000 for the government-employee category) rather than a lump-sum bill at the hospital. Once enrolled, the household receives a HimCare e-card, and treatment is settled cashlessly between the empanelled hospital and the scheme, so the family does not have to arrange money up front for a listed procedure.
HP HimCare Scheme — Quick Overview
| Scheme Name | हिमाचल प्रदेश HimCare योजना 2026 — ₹5 लाख कैशलेस उपचार Non-Ayushman परिवारों को | HP HimCare |
| State | Himachal Pradesh (हिमाचल प्रदेश) |
| Launched By | Government of Himachal Pradesh |
| Launch Year | 2019 |
| Benefit | ₹5 lakh cashless health insurance per year for non-Ayushman HP families |
| Category | Health |
| Beneficiaries | 15 lakh+ families in Himachal Pradesh |
| Last Verified | 17 June 2026 |
| Official Portal | https://hpsbys.in |
HimCare (हिमाचल प्रदेश हेल्थ केयर स्कीम) हिमाचल प्रदेश की राज्य स्वास्थ्य बीमा योजना है जो PM-JAY (Ayushman Bharat) में cover न होने वाले HP निवासियों को ₹5 लाख कैशलेस अस्पताल और उपचार कवर प्रदान करती है। HimCare सरकारी कर्मचारियों, self-employed और अन्य परिवारों के लिए भी उपलब्ध है।
₹5 लाख/वर्ष कैशलेस स्वास्थ्य बीमा — Non-Ayushman HP परिवारों के लिए
हिमाचल प्रदेश HimCare योजना उन परिवारों के लिए कैशलेस स्वास्थ्य बीमा है जो Ayushman Bharat (PMJAY) में शामिल नहीं हैं। इसमें प्रति परिवार प्रति वर्ष ₹5 लाख तक का कैशलेस इलाज सूचीबद्ध सरकारी और निजी अस्पतालों में मिलता है। योजना में गंभीर बीमारी, ऑपरेशन, डायलिसिस, कीमोथेरेपी सहित 1,500 से अधिक प्रकार के इलाज शामिल हैं।
📌 फायदा: ₹5 लाख/वर्ष कैशलेस स्वास्थ्य बीमा — Ayushman Bharat से बाहर HP परिवारों के लिए
पात्रता:
हिमाचल प्रदेश का स्थायी निवासी, Ayushman Bharat (PMJAY) में शामिल नहीं, HP पंजीकृत परिवार, वार्षिक नामांकन शुल्क ₹365-₹1,000 (श्रेणी अनुसार), BPL परिवारों के लिए नि:शुल्क।
अर्ज कसा करावा:
himachal.nic.in/himcare पर ऑनलाइन नामांकन करें या CSC/Jan Seva Kendra जाएं, आधार, हिमाचल निवास प्रमाण पत्र और परिवार पहचान दस्तावेज जमा करें, HimCare कार्ड बनवाएं और अस्पताल में दिखाएं।
Benefits of HP HimCare Scheme
✅ ₹5 lakh cashless health insurance per year for non-Ayushman HP families
₹5 लाख/वर्ष कैशलेस स्वास्थ्य बीमा — Non-Ayushman HP परिवारों के लिए
Who is Eligible for HP HimCare Scheme?
- ✓ Permanent resident of Himachal Pradesh
- ✓ Not covered under PM-JAY (Ayushman Bharat) SECC list
- ✓ Any HP resident not already covered by state/central health insurance
- ✓ Government employees of HP (separate premium category)
- ✓ Self-employed, daily wage workers, non-BPL families
- ✓ Nominal annual premium: ₹365 (Category 1 — non-government) / ₹1,000 (Category 2 — government employees)
Documents Required for HP HimCare Scheme
How to Apply for HP HimCare Scheme Online?
- 1hpsbys.in (HP State Bima Yojana portal) पर जाएं
- 2HimCare Enrollment में अपना Aadhaar number enter करें
- 3PMJAY eligible नहीं हैं तो HimCare category चुनें
- 4Family details fill करें और nominal annual premium (₹365 / ₹1,000) online pay करें
- 5HimCare e-Card generate होगा — empanelled hospitals में cashless treatment के लिए
- 6किसी भी पैनलबद्ध सरकारी या निजी अस्पताल में HimCare card दिखाकर ₹5 लाख तक कैशलेस इलाज
Official Government Portal — Himachal Pradesh
Use hpsbys.in directly — there is no application fee, and no third party can speed up your approval.
🔗 HimCare HP Official PortalReal-Life Examples — Are You Eligible for HP HimCare Scheme?
See which of these applicant profiles is closest to your case:
Self-employed shopkeeper in Shimla, permanent HP resident, family of four, not listed in the PM-JAY/Ayushman SECC database
Eligible — An HP resident who is not covered by PM-JAY can enrol the whole family under HimCare by paying the ₹365 annual premium.
BPL family already holding an Ayushman Bharat (PM-JAY) card in HP
Not eligible — HimCare is designed for residents NOT covered by PM-JAY; a family already enrolled under Ayushman Bharat is served by that scheme instead.
HP government employee, permanent resident, wants cashless cover for spouse and children
Eligible — Government employees can enrol under the dedicated category by paying the ₹1,000 annual premium and receive the same ₹5 lakh family cover.
Illustrative cases only — verify your own situation against the official criteria.
Common Mistakes — Why HP HimCare Scheme Applications Get Rejected
- ✗Trying to enrol while already covered under PM-JAY, which the portal rejects since HimCare is only for non-Ayushman residents.
- ✗Not paying or renewing the small annual premium on time, so the HimCare e-card lapses before a hospital visit.
- ✗Using a bank account that is not Aadhaar-linked for premium deduction, causing enrolment to stall.
- ✗Walking into a non-empanelled hospital and then expecting cashless settlement, which only works at listed government and private hospitals.
Insider Tips for HP HimCare Scheme
- →Confirm your PM-JAY status first — if you are not on the Ayushman list, HimCare is the right scheme for you.
- →Renew the annual premium well before it expires so the cover stays continuous through the year.
- →Carry the HimCare e-card and check the empanelled-hospital list before admission to make sure cashless treatment will apply.
- →Enrol the entire family in one go, since the ₹5 lakh cover is shared across all listed members.