Sikkim Health & Family Welfare Dept. / Arogya Sikkim Health Insurance Scheme
Benefit
Universal health coverage for Sikkim Subject holders — key benefits: cashless hospitalisation cover of ₹5 lakh per family per year at empanelled government and private hospitals across Sikkim and referral hospitals in Siliguri, Kolkata, and Delhi; covers pre-existing conditions from Day 1 (no waiting period for Sikkim beneficiaries); free diagnostics, medicines, and follow-up consultations at government health facilities under Chief Minister's Free Drug Scheme; ₹5,000 transport reimbursement per major illness requiring inter-district or out-of-state referral; dedicated health desk at each CHC (Community Health Centre) to assist with claims and referrals; special enhanced cover of ₹10 lakh for cancer, kidney failure, cardiac surgery, and organ transplants; covers all family members enrolled under a single Arogya Sikkim card; integrates with Ayushman Bharat PM-JAY for seamless nationwide coverage; all 4 districts covered with 24/7 helpline support