Sikkim Health Assurance Scheme

The government of Sikkim has launched a number of health schemes for its rural population. The Human Services and Family Welfare Department have various schemes that are specifically targeted at improving the quality of life for pregnant women and newborns. These schemes were developed as a means of controlling maternal and infant deaths during childbirth.

  1. Janani Suraksha Yojana

  2. The Janani Suraksha Yojana is an intervention programme that is targeted at reducing the rates of maternal and infant mortality. The nation-wide scheme is specifically aimed at promoting institutional childbirth among pregnant women in rural areas. Beneficiaries to this scheme are provided with cash incentives for institutional delivery in government hospitals and health centres. For deliveries in Rural Health Centres, beneficiaries receive Rs.1,300 of which Rs.700 goes to the mother and Rs.600 is provided for Accredited Social Health Activist (ASHA) incentive scheme. For women who give birth at home, the mothers are provided Rs.500.

    Eligibility Criteria

    To be eligible to avail the benefits of the scheme, individuals should:

    • Be 19 years or older
    • Should belong to the Below Poverty Line (BPL) or SC, ST category
    • Should have had at least 3 antenatal consultations
    • Should have taken an entire course of the Tetanus Toxoid vaccination
  3. Mukhya Mantri Sishu Suraksha Avum Sutkeri Sahayog Yojana

  4. In the state of Sikkim, the scheme was launched by the state government in August 2011 to encourage women to give birth in government hospitals and healthcare centres.

    Eligibility Criteria

    To be eligible to avail the services of this scheme, beneficiaries have to fall under the following categories:

    • Pregnant women above the age of 19 years
    • Women belonging to the Below Poverty Line (BPL) category
    • Women giving birth to their first child at government hospitals and health centres
    • Women giving birth to their second (female) child at government hospitals and health centres

    The scheme provides cash incentives to the beneficiaries. The beneficiaries receive a one-time grant of Rs.3,000 at the time of delivery. After the initial payment, the beneficiaries receive Rs.500 per month until the child is 6 years old.

  5. Janani-Sishu Suraksha Karyakram

  6. This scheme provides pregnant women free treatment for delivery in government and public health institutions. This includes delivery through Caesarean section as well. Individuals who choose this scheme also receive free transportation from their residence to the health centre. They also receive free transportation from the health centre to their residence 48 hours after delivery.

    Treatment also includes free medication diagnostic tests, blood when necessary, and food. The beneficiaries are exempt from paying any kind of user charges. Newborns that are in ill health are also provided with free treatment for one month after birth.

  7. Accredited Social Health Activist (ASHA) incentive scheme

  8. The ASHA scheme refers to a group of health activists that work for the welfare of individuals living in rural areas of Sikkim. Different individuals are assigned to different villages. The role of these activists is to motivate individuals to seek healthcare services offered. The state government provides ASHAs with Rs.3,000 per month.

  9. Mukhya Mantri Jeevan Raksha Kosh Scheme

  10. This scheme provides financial support to individuals apart from the BPL population who are recommended by the State Medical Board. Financial support is provided for individuals who are looking to seek treatment outside the state. The scheme provides financial assistance for the beneficiaries up to a maximum amount of Rs.2 lakh. The scheme provides cashless treatment for those who require it. In order to avail the services, the beneficiaries are required to provide a referral certificate issued by the State Medical Board along with attested copies of the Sikkim Subject Certificate or Certificate of identification.

  11. Mukhya Mantri Shrawan Shakti Samridi Yojana

  12. This scheme is aimed at specifically catering to individuals with hearing impairment by providing them with hearing aids. To avail the service, individuals are required to visit the STNM Hospital - Ear, Nose, and Throat Clinic in Gangtok.

  13. Sikkim State Illness Assistance Fund

  14. This scheme provides financial aid to individuals outside the state living below the poverty line. The scheme provides patients with cashless treatment facilities up to Rs.1.5 lakh. If the treatment sought by the beneficiaries goes beyond the Rs.1.5 lakh limit, funding will be provided by the Central Government. To avail the services, individuals are required to submit a BPL certificate. Cashless treatment can be sought only in government-run hospitals and healthcare facilities.

  15. Chief Minister’s Comprehensive Annual and Total Health Check-up for Healthy Sikkim (CATCH) programme

  16. This scheme was launched to find out the rate of prevalence of diseases suffered by individuals in the state. Additionally, the scheme is also targeting at early detection of diseases and the risk factors associated with them. Furthermore, the government is looking to provide treatment in a timely manner and develop strategies for preventive care.

  17. Hepatitis-B, MMR and other Vaccination Programme

  18. The state of Sikkim was the first state in India to introduce the Hepatitis B vaccination for children in 2001. The state also introduced the MMR vaccination in 2009 to protect children against mumps, measles, and rubella outbreaks. The vaccinations are available at all the healthcare centres and hospitals in the state.

  19. Free and Improved diet for Admitted Patients

  20. Patients from this demographic receive free meals when admitted to STNM and district hospitals. The entire process is outsourced and streamlined and patients are provided with high-quality diet that takes into consideration the required calorie intake and nutritional value. It covers all primary healthcare centres under the scheme.

  21. Free Medicines for MDR and XDR TB

  22. Medication is provided free of cost by the state government for all individuals who suffer from MDR and XDR TB. Individuals who have a valid voter’s ID are eligible to avail the benefits of this scheme.

  23. Iron and Folic Acid and Calcium Supplementation

This scheme was introduced in 2009 to counter the calcium and iron deficiency among pregnant women in the state. Under this scheme, pregnant women and lactating mothers are provided with calcium supplements and iron and folic acid supplements. Under the school programme, Iron and folic acid supplements are distributed to students once in a week. Additionally, students are also given deworming tablets twice in a year.

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Sikkim Health Assurance Scheme Reviews

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  • Star Health Health Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    I taken a health insurance from STAR HEALTH on last 6 months back which was taken via online. It covers my whole family of 3 members for the total amount of 5. The premium amount need to pay of 12K. The tenure period of 1 year. I have not used this card much. I haven't done any claim yet.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 20, 2020
  • Bajaj Allianz
    Bajaj Allianz Health Insurance
    "Good policy "
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from Bajaj Allianz which was taken for my mother. Policy coverage value was Rs. 1L and the premium its a one time payment, i got a offer because i am maintain CREDIT SCORE good. Still there is a no claim and i paid 3 years back, during renewal time i am not getting any calls from insurance company. This policy covers 200 hospital 30-50% in all hospital can get a claim.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 20, 2020
  • Religare Health Insurance
    "Good insurance company "
    0.5 5.0/5 "Blown Away!"
    My personal need I taken health insurance from RELIGARE on 2 years back. Actually my previous company taken health insurance got lapse, hence for better option I continued with same need to pay the premium of 5K. It covers up to myself. The coverage amount of 5L, since there is no claim yet I got bonus of 10% so as of now 5.5L. They tied up with many hospitals and cash less treatment is applicable.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 19, 2020
  • Max Bupa Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    This is an individual policy, cover fro myself and this is from Max Bupa. Yearly i am paying premium of Rs. 3000 and the coverage value of Rs. 5L and still there is a no claim. Every year i am getting 5% no claim bonus and this is a life long policy. Its a tax benefit plan for major and listed hospitals can avail a cash less, if non listed have to pay then we can reimburse.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    My employer has given me a health insurance policy from ROYAL SUNDARAM and they have provided me a coverage amount of Rs. 3L. It covers myself and my spouse are covered in this policy.The premium amount need to pay of 7.5K on yearly basis. They have a cashless facility with many hospital.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from STAR HEALTH on last year for my personal use, it covers my whole family of 4 members. The sum average value is 5L. I am renewing the policy by paying the premium amount of 14K on yearly. Many hospitals are tied with them and they provide cashless treatment as well.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Mar 18, 2020
  • Star Health Health Insurance
    "Average "
    0.5 3.0/5 "Satisfactory"
    For my personal purpose, I have taken a health insurance from TATA AIG on 3 years back. On yearly, I use to renew the policy which I need to pay the premium amount of 20K via online. It covers up to myself. The sum assured amount is 2.4L. They tied up with limited hospitals only and there is no cashless treatment.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 18, 2020
  • Oriental Insurance Health Insurance
    "Good policy "
    0.5 5.0/5 "Blown Away!"
    My company provides me a health policy from ORIENTAL insurance and this is a group insurance. Annual premium i am paying Rs. 4840 and still there is no claim and the coverage value is Rs. 2 lakhs. During the renewal time, i use to get reminder call from the support team.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 16, 2020
  • review Health Insurance
    "Need online service "
    0.5 5.0/5 "Blown Away!"
    I am paying about Rs. 20k yearly for health insurance to PARAMOUNT. This is group policy and the coverage of Rs. 10L since 5 years i am using this health insurance. I went for a claim which was reimbursed. The main factor is they are asking lots of documents which they need to make it simple.
    Was this review helpful? 0
    , thane
    Reviewed on Mar 15, 2020
  • Bajaj Allianz Health Insurance
    "Okay"
    0.5 4.0/5 "Great!"
    I have received the Bajaj Allianz mediclaim policy from Bajaj Finserv on EMI basis. Cashless facility is available and am paying Rs.640 for a month. This policy is not available in the market. I wish if their executive were more polite and helpful. Its a self policy which covers 5L. Am renewing this policy from last 3years.
    Was this review helpful? 1
    , kochi
    Reviewed on Mar 15, 2020
  • Star Health Health Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    Health insurance policy which i have taken from STAR HEALTH and this is a family floater policy. I am using since 4 years still there is no claim and this insurance will cover all types of critical illness. Annually i am paying premium Rs. 13000 and its a Tax benefit policy.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 14, 2020
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    ICICI offered me a health insurance and this is a group policy which covered for Rs. 4L. This insurance will cover all types of critical illness and day care treatment, still there is no claim with ICICI Lombard. I can avail cashless treatment with the listed hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Mar 14, 2020
  • United India Health Insurance
    "Best policy "
    0.5 5.0/5 "Blown Away!"
    From United India Insurance, i have taken a health insurance. This is a group insurance and i am paying premium per annum Rs. 4900. This policy covers all critical illness and there is a no age criteria, I can use this policy for life long. It covers Tax benefit under sec 80D also network of hospitals are good.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 13, 2020
  • United India Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    This is a group health policy which was taken through TATA AIG and the coverage value of Rs. 3L. I am paying premium yearly Rs. 6000. Its been one year and still there is no claim and this policy covers day care treatment and this can be used till life long.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 13, 2020
  • Apollo Munich Health Insurance
    "OKAY"
    0.5 5.0/5 "Blown Away!"
    From Apollo Munich, i have taken a health insurance and this is a joint policy. The policy coverage value is Rs. 5L for a life long. I am paying the premium yearly Rs. 16k and still there is no claim on this policy. It covers all network of hospitals.
    Was this review helpful? 0
    , indore
    Reviewed on Mar 13, 2020
  • Star Health Health Insurance
    "WORST and WORST"
    0.5 0.5/5 "Unacceptable"
    Star health and Allied insurance cheaters don't go with this policy they are looting people worst and worst there are corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    From my company side, they have provided me a health insurance from TATA AIG. I can do a cashless treatment facility in a network hospital hence i have fixed the appointment also. This policy covers only for myself. They have given me a coverage value of Rs. 3 lakhs. I don't have any claim experience till now.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Good products at affordable right pricing"
    0.5 4.0/5 "Great!"
    I love the way they communicate everything. Inclusions and exclusions were explained in a right way to help me choose right product at right pricing. i got a healthcare for my whole family without burning a hole in my pocket. recommended to all
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 11, 2020
  • Star Health Health Insurance
    "Good "
    0.5 4.0/5 "Great!"
    My friend has suggested to apply health insurance, so for my personal need I had taken a health insurance from STAR HEALTH on 10 months before. They tied up with many hospitals and it covers all city. There is cash less treatment and the policy includes 4 family members, need to pay the premium amount of 12K on yearly basis.
    Was this review helpful? 1
    , chennai
    Reviewed on Mar 10, 2020
  • review Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy is running with Aditya Birla Health Insurance. This is a family floater policy and i am paying premium around Rs. 14k yearly. Still there is no claim and this insurance covers all network of hospitals. This policy has some TAX benefits.
    Was this review helpful? 0
    , lucknow
    Reviewed on Mar 09, 2020
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