Megha Health Insurance Scheme by Government of Meghalaya

Meghalaya Government has launched Megha health insurance scheme, the health insurance scheme for the people of Meghalaya. Megha Health Insurance Scheme(MHIS) is a universal health insurance scheme (UHIS) in the State of Meghalaya, utilizing the existing Rashtriya Swasthya Bima Yojna (RSBY) framework to provide health insurance to all persons that are resident in the State, including existing categories of Rashtriya Swasthya Bima Yojna beneficiaries but excluding state and central government employees. The Megha Health Insurance Scheme was launched on 15th December, 2012 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 of hospitalisation and reduce the out-of-pocket expenses of the residents of the State. There is no age limit and 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.

Benefits of Megha Health Insurance Scheme:

  • Megha Health Insurance Scheme covers hospitalization expenses up to Rs. 2,00,000/- for a family of five on a floater basis
  • Floater basis means that the total amount can be used by one person or jointly with other members of the family
  • The premium of the scheme will be paid by the Government and not the beneficiary
  • No age limit in coverage and pre-existing diseases are also covered
  • Beneficiaries entitlement to a comprehensive spectrum of health services including super specialty treatment
  • Beneficiary option to choose between public and private hospitals

Eligibility of Megha Health Insurance Scheme:

  1. Person permanently residing in the State of Meghalaya is declared eligible person under Megha Health Insurance Scheme
  2. The beneficiary is any Below Poverty Line (BPL) family, whose information is included in the district BPL list prepared by the State government
  3. The eligible family needs to come to the enrolment station, and the identity of the household head needs to be confirmed by the authorized official.

Terms and Condition of Megha Health Insurance Scheme:

  1. Family “of eligible person is defined as his/her Spouse and Unmarried children and Dependent Parent(s) / In-Laws (In case eligible Family person is female). This family unit cannot be split
  2. Central/State Government employees and their families covered under government medical reimbursement are not eligible under Megha Health Insurance Scheme
  3. Under any circumstances the claim will not exceed Rs. 2 lakh annually

Documents Required for Megha Health Insurance Scheme:

  1. Application Form
  2. Aadhar card
  3. Residence proof of all eligible Person (Documents issued minimum 5 year ago)
  4. Ration card
  5. Non-creamy Layer certificate for OBC caste
  6. Caste certificate for SC/ST Caste
  7. Differently abled eligible person – Disability certificate issued by Medical Board
  8. Above Self attested photocopies of original documents to be attached along with the forms

Application Procedure:

  1. The office of Health department of Meghalaya will provide application form
  2. Person should contact with State Nodal officer with all required documents and application form

Contact Details:

  1. The state government has setup several centres across the state for registration and issuance of health insurance cards to the beneficiaries. The people can go to these center with the application form and required documents.
  2. The people can contact to State Nodal Agency, Megha Health Insurance Scheme, Shillong
  3. Toll Free No. – 1800-212-3650
  4. Telephone No. – 8575037577

Reference and Detail: 

  1. For more information visit following link:



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