स्वास्थ्य बीमा✓ 100% सरकारी समर्थितLadakhसत्यापित: 2026-09-18 (180-दिवसीय SLA)
Ladakh Universal Health Insurance Scheme
State-notified public health assurance program providing cashless medical treatment across Ladakh.
बीमा सुरक्षा कवरेज₹5 Lakh Cashless Cover
प्रीमियम दर100% Free / Subsidized by State
दावा निपटान अनुपात (CSR)98.2% (Direct Cashless)
आरंभ वर्ष2019
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Complete health insurance protection for residents of Leh and Kargil districts with specialized air-ambulance critical transfer provisions.
📋पात्रता की शर्तें (Eligibility Rules)
All residents holding Ladakh Resident Certificate (LRC).
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, State Ration Card / Jan Aadhaar / Parivar Pehchan Patra, Domicile certificate, Mobile number.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Emergency heli-evacuation subject to weather and medical board authorization.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Verify family eligibility on state food security or health portal. 2. Obtain state health smart card or link Aadhaar at local CSC. 3. Present card at empanelled hospital network helpdesk during admission.