Megha Health Insurance Scheme(MHIS) is a universal health insurance scheme (UHIS) in the State of Meghalaya, utilizing the existing RSBY framework to provide health insurance to all persons that are resident in the State excluding state and central government employees. The Megha Health Insurance Scheme (RSBY + UHIS) was launched on 15th December, 2012 at Polo Grounds by the Hon’ble Chief Minister Dr Mukul Sangma with an objective to provide financial aid to all the citizens of the state at the time hospitalization and reduce the out-of-pocket expenses of the residents of the State.
When the scheme first started the cover available to enrolled beneficiaries was Rs 1,60,000 for an enrollment fee of Rs 31/-. But improvements and amendments have been made to the scheme in the years that followed.
Now, MHIS Phase III has an enhanced insurance cover of Rs 2,80,000 for up to 5 members of a family on a floater basis. Additionally, a Senior Citizen cover has been introduced whereby each enrolled senior citizen per smart card belonging to BPL and NREGA category will receive an additional insurance cover of Rs 30,000. The enrollment fee for MHIS Phase III is Rs 50/- and the scheme does not have any age limit. In addition, pre-existing diseases are also covered under this insurance scheme. The insurance policy is valid for a period of one year, and beneficiaries are expected to renew their smart cards on a yearly basis by paying a nominal amount. The smart cards provided in this scheme can only be used in MHIS empanelled hospitals across the state and other secondary and tertiary care hospitals which have been empanelled outside the state of Meghalaya. New India Assurance Company Ltd is the Insurance Company identified for implementing the scheme and they have been selected through a rigorous and competitive bidding process.