Most publicly funded health assurance in India is non-contributory and targeted at poorer households. Sandhya Kiran does the opposite: it asks a defined, relatively secure group — state pensioners — to fund most of its own cover, with the state paying only about 30%. The built-in trigger that raises contribution rates by five basis points once corpus utilisation crosses 85% is the more unusual feature, because it makes the premium self-correcting rather than leaving the state to absorb an overrun. Projected collections of ₹117 crore against an estimated ₹81.75 crore of treatment cost give the corpus its initial cushion.