Su-Swastha Yojana is the Employees' Health Services Scheme of the Government of Sikkim, launched by the Chief Minister Shri Prem Singh Tamang. It gives regular government employees and their dependent family members cashless hospital care at top-tier hospitals across India, with an annual cover of ₹10 lacs for the whole family.
Launched in April 2021 by the Department of Health & Family Welfare, Su-Swastha Yojana covers up to 5 dependent family members per employee. The scheme is open for enrolment through the official portal, and eligible employees can apply online or through their department nodal officer.
Su-Swastha Yojana - Introduction
Su-Swastha Yojana provides accessible and quality health services to employees of the Government of Sikkim and their families. The scheme works on a cashless model, so eligible people do not have to arrange money at the time of admission or discharge at network hospitals.
Along with the base cover of ₹10 lacs, the scheme gives an additional ₹10 lacs for critical care. Maternity benefit goes up to ₹50,000 and road ambulance is covered up to ₹3,500 per claim. Pre-existing diseases are covered from day one, which makes the scheme a strong safety net for families.
The scheme is managed by the Health Care Human Services & Family Welfare Department of Sikkim. Enrolment is done through the official Su-Swastha portal, and the member e-card is issued after approval by the nodal officer.
Key Information
| Scheme Name | Su-Swastha Yojana |
|---|---|
| Level | State |
| Scheme For | Family |
| Beneficiary States | Sikkim |
| Category | Health & Wellness |
| Target Beneficiaries | Individual, Family |
| Sub Category | Health care providers and access |
| Benefit Type | In Kind |
| Nodal Department | Health Care Human Services & Family Welfare Department |
| Tags | Insurance, Medical, Premium, Health, Hospital, Family |
Benefits
Su-Swastha Yojana is built around easy, cashless treatment for covered families. The main benefits are given below.
Cashless Convenience: Eligible people get smooth admission and discharge at network hospitals, so there is no stress of arranging cash during a medical emergency.
Access to Top-Tier Healthcare: The scheme gives entry to best-in-class medical institutes and top-rated hospitals across India.
Quality Assurance: The facilitation centre keeps a check on the quality of care so that patients get good medical services.
Clear Billing: Standardised tariffs keep hospital charges fair and clear.
Coverage Details:
| Coverage Type | Amount/Limit |
|---|---|
| Base Cover | ₹10 lacs |
| Critical Care | ₹10 lacs additional |
| Maternity Benefit | Up to ₹50,000 |
| Road Ambulance | Up to ₹3,500 per claim |
Treatment Features:
- Covers hospital stays exceeding 24 hours.
- Includes post-hospitalization costs for up to 30 days.
- Covers all pre-existing diseases from day one.
- Provides coverage for specialized treatments, dental, ophthalmic care, implants, and organ donor expenses.
Eligibility
An employee is eligible if they serve as a regular employee of the Government of Sikkim. Dependent family members are also covered, including the spouse, children, and parents, up to a total of 5 dependents.
Unemployed unmarried sons up to 30 years, unmarried daughters of any age, and unmarried unemployed children with certified disabilities are covered without age limits. Unmarried and unemployed brothers and sisters up to 30 years are also eligible as dependents.
Application Process
Online Application
STEP 1 - Visit the official Su-Swastha website and select Enrol Now.
STEP 2 - Login with your registered mobile number and complete the OTP verification.
STEP 3 - Fill out the two-part enrolment form carefully. Make sure you upload all required documents in the correct sizes.
STEP 4 - Agree to the declaration and submit the form. Your application moves to the concerned nodal officer for approval. Once approved, you can download your member e-card through the link sent to your email or mobile.
Offline Application
STEP 1 - Download and print the application form from the official portal.
STEP 2 - Fill in your details, attach a passport-sized photograph, and sign it.
STEP 3 - Submit the completed form along with your documents to your department's nodal officer.
For any help, email info@suswasthasikkim.com or call 9800347944.
Documents
Keep the following documents ready for your application:
- Passport Size Photo of the employee.
- ID Proof: Aadhaar Card, Voter's ID, Passport, or Driving License.
- Relationship Proof: Birth certificate, marriage certificate, or school documents establishing the relationship between the employee and dependents.
References
FAQ's
What is the monthly contribution for dependents?
The contribution is ₹200 per month for each dependent. For instance, if you have 4 dependents, your contribution will be ₹800 monthly.
What is the total coverage amount?
Your family is covered for a total of ₹10 lacs annually, regardless of the number of dependents, with an additional ₹10 lacs for critical care.
What procedures are covered under the scheme?
The scheme covers in-patient hospital stays (over 24 hours), maternity care, cancer chemotherapy, dialysis, trauma related to vehicular accidents, and organ donor expenses.
Where can I use the cashless treatment?
You can use the cashless facility at any of the 400+ hospitals empaneled on the Su-Swastha network across India.
Are retired or contractual employees eligible?
Currently, the scheme is only for regular government employees. Future phases may include other categories, so please check the website for updates.
What if both spouses are government employees?
You can choose to enroll as primary members separately or enroll as a dependent under your spouse, provided you do not hold both statuses simultaneously.