Meghalaya Megha Health Insurance Scheme (MHIS Phase 5)
State-notified public health assurance program providing cashless medical treatment across Meghalaya.
Sum Insured / Cover
₹5 Lakh Universal Cover
Annual Premium
100% Free / Subsidized by State
Claim Settlement
98.2% (Direct Cashless)
Network / Scope
1,200 Empaneled
✦ Key Benefits & Policy Coverage
Integrated universal scheme with Ayushman Bharat covering all citizens of Meghalaya with specialized OPD diagnostic benefits.
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
Certain cosmetic and non-allopathic treatments excluded.
✦ Eligibility Requirements
All permanent resident families of Meghalaya (except central government employees).
✦ Application, Enrollment & Claims Process
1. Verify family eligibility on state food security or health portal.
2. Obtain state health smart card or link Aadhaar at local CSC.
3. Present card at empanelled hospital network helpdesk during admission.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Aadhaar Card, State Ration Card / Jan Aadhaar / Parivar Pehchan Patra, Domicile certificate, Mobile number.
✦ Life Situations Where This Scheme Helps
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Having a Baby & Early Childhood
Government financial assistance, healthcare, nutritional support, and savings schemes for expecting mothers, newborns, and infants.
Health Emergency & Medical Care
Cashless hospital treatment up to ₹5 Lakh, free essential medicines, diagnostic services, and critical illness financial support.
Senior Citizens & Retirement Care
Guaranteed pension schemes, free assisted living devices, subsidized healthcare, and geriatric welfare for elderly citizens.
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India