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How to Apply for HP HIMCARE Health Insurance 2026
HP HIMCARE - ₹5 lakh/year health insurance per family. ₹365/year premium. Cashless.
📁 StateSchemes
⏱️ 15-20 mins
💰 ₹365/year
Visit Official Portal →
About This Guide
Himachal Pradesh HIMCARE Health Insurance provides ₹5 lakh per family annual cover. Premium ₹365/year (Gen) or ₹0 (BPL/below age groups). Cashless at empanelled hospitals across HP + Chandigarh + Delhi. Combined with Ayushman Bharat for SECC families.
Eligibility Criteria
- HP permanent resident
- Aadhaar mandatory
- Family unit (parents + children)
- Free for BPL/SECC, ₹365 for general
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- Aadhaar (all family)
- HP domicile
- Ration card
- Bank account
- Photo
- Income certificate (for free)
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Visit Portal
hpsbys.in or Lok Mitra Kendra.
Check Eligibility
Aadhaar entered shows free or paid.
For Paid (₹365)
Pay online. Card generated.
For Free (BPL/SECC)
Auto-enrollment.
Get Card
Print HIMCARE card.
Use at Hospital
Empanelled hospitals show card + Aadhaar.
Cashless Treatment
Up to ₹5L per year.
Key Benefits
- ₹5 lakh per family/year
- Cashless at HP hospitals
- Plus Chandigarh, Delhi tertiary care
- Combined with Ayushman
- Free for BPL
- ₹365 for others
- HP-specific advantage
What Happens After Application?
Card immediately. Use at empanelled hospitals. Annual renewal.
Frequently Asked Questions
Vs Ayushman Bharat?
HIMCARE state version with broader coverage. SECC families get both.