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, with the Insurance Cover increasing to Rs 2,00,000 in MHIS II and Rs 2,80,000 in MHIS III.
Now, Megha Health Insurance Scheme– Phase IV works in convergence with Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana which was an initiative launched by the Hon’ble Prime Minister of India, Shri Narendra Modi on the 23rd of September 2018. This convergence brings about an enhanced coverage of up to Rs 5,00,000 per family on a floater basis with no restrictions on family size and age. Beneficiaries will be issued an individual card/E-card on approval of their identification. Approved beneficiaries under the scheme (known as Golden Records) can avail benefits in all MHIS and PMJAY empanelled hospitals in the state and identified health facilities/hospitals across the country.
Reliance General Insurance Company Limited is the current Insurance Company identified for implementing the scheme in Meghalaya for MHISselected through a rigorous and competitive bidding process.