Status Check, Procedures, Facilities

Organization : Department Of Health & Family Welfare
Scheme Name : Megha Health Insurance Scheme (MHIS)
Applicable State : Meghalaya
Website : https://www.meghealth.gov.in/

Megha Health Insurance Scheme

** 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, including existing categories of RSBY beneficiaries but excluding state and central government employees.

Related / Similar Service :  RSBY  Smart Card Application : www.statusin.in/8447.html

** 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 hospitalisation and reduce the out-of-pocket expenses of the residents of the State.

** Under the scheme, beneficiaries are entitled up to Rs.2,00,000/- coverage at the time of hospitalization on a floater basis. The coverage extends to 5 members of a family, where by each household is required to pay Rs.30/- at the time of enrolment.

** 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.

Frequently Asked Questions:

1. What is MHIS?:
MHIS has been introduced as a health insurance by the Government of Meghalaya, following the framework of RSBY. It is called Megha Health Insurance Scheme (Rashtriya Swaythiya Bima Yojana + Universal Health Insurance Scheme).

2. Why is the card RSBY?:
Since MHIS uses the existing RSBY framework for the implementation of the scheme, the RSBY card is being used. MHIS is an additional cover using RSBY as a base which provides seamless all India health insurance cover of the basic RSBY cover to beneficiaries using the technology platform and card of RSBY while at the same time providing the MHIS related additional benefits on the same card.

3. Who are entitled to the scheme?:
All the citizens of the state of Meghalaya are entitled excluding State and Central Government employees.

4. How many members are entitled for the scheme?:
A maximum of five (5) members of the family are entitled to the Megha Health Insurance Scheme.

5. How much does the MHIS beneficiary have to pay to avail the scheme?:
MHIS beneficiary will have to pay only ` 31 at the time of enrolment.

6. Who pays the premium to the insurance company?:
The premium will be paid by the Government and not the beneficiary.

7. What is the source for the data of beneficiary list?:
The data has been compiled by using the 2007 electoral roll.

8. Why are some people not included in the data?:
Since the beneficiary list was prepared prior to the current electoral roll, certain names may be excluded. Next year, the latest database will be taken into consideration, and new beneficiaries will be added to the current list.

9. What is the enrollment process?:
** An electronic list of eligible households is provided to the insurer, using a pre-specified data format. An enrollment schedule for each village along with dates is prepared by the insurance company with the help of the district level officials. The date and location of the enrollment in the village is publicized in advance.

** Mobile enrollment stations are set up at local centres in each village. These stations are equipped by the insurer with the hardware required to collect biometric information (fingerprints) and photographs of the members of the household covered and a printer to print smart cards with a photo.

** The smart card, along with an information pamphlet, describing the scheme and the list of hospitals, is provided on the spot once the beneficiary has paid the 31 rupee fee and the concerned Government Officer has authenticated the smart card. The cards shall be handed over in a plastic cover.

10. What is the insurance cover for the scheme?:
Megha Health Insurance Scheme covers hospitalization expenses up to `1,60,000 for a family of five on a floater basis.