स्वास्थ्य बीमा✓ 100% सरकारी समर्थितSikkimसत्यापित: 2026-09-18 (180-दिवसीय SLA)
Sikkim Mukhya Mantri Swasthya Bima Yojana
State-notified public health assurance program providing cashless medical treatment across Sikkim.
बीमा सुरक्षा कवरेज₹5 Lakh per family
प्रीमियम दर100% Free / Subsidized by State
दावा निपटान अनुपात (CSR)98.2% (Direct Cashless)
आरंभ वर्ष2019
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Universal health coverage for Sikkim certificate of identification (COI) holders and non-SECC rural households.
📋पात्रता की शर्तें (Eligibility Rules)
Permanent residents of Sikkim holding Certificate of Identification.
📂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)
Super-specialty care in Siliguri/Kolkata requires referral from STNM Hospital Gangtok.
🚀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.