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| The Megha Health Insurance Scheme (MHIS) is Meghalaya’s universal health insurance scheme. It covers all residents of Meghalaya except state and central government employees, regardless of income or family size. MHIS runs together with Ayushman Bharat PM-JAY. Since Phase 5 started on 1 September 2022, the cover has been ₹5.30 lakh per family per year on a floater basis, up from ₹5 lakh. Phase 6, from 2023, describes cover for hospitalisation, outpatient care, diagnostics and follow-up treatment. Treatment is cashless at empanelled hospitals, including hospitals outside the state through the PM-JAY network. Enrolment is free at district kiosks, Common Service Centres and MHIS enrolment camps, with Aadhaar, proof of residency and biometric verification. Helpline: 1800-102-4762. |
MHIS Meghalaya: How the Abode of Clouds Built a Health Scheme for Almost Everyone
Universal means universal (almost)
Most state schemes in this series draw a line somewhere: a ration card colour, an income slab, a survey list. Meghalaya drew its line in one place only. If you’re a resident and not a government employee, you’re in.
That’s the Megha Health Insurance Scheme. It started years before Ayushman Bharat and now runs alongside it, giving families ₹5.30 lakh of cashless cover a year.
For a state where many villages are hours from a big hospital, that kind of universal cover matters. But universal doesn’t mean automatic. You still need to enrol.
Here’s how MHIS works and how to make the most of it.
| Shillong parents, a cousin in the Garo Hills and you in Bengaluru? Keeping track of everyone’s cover gets complicated. Book a call with us and we’ll help you sort it out. Faster than Police Bazar traffic on a Saturday. |
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What MHIS gives you
- ₹5.30 lakh per family per year, on a floater basis.
- Universal eligibility for residents, except state and central government employees.
- Runs with PM-JAY, so families eligible for both get the combined benefit.
- Cashless treatment at empanelled hospitals in Meghalaya and, through PM-JAY, across India.
- Free enrolment.
Phase 6 descriptions mention hospitalisation, outpatient care, diagnostics and follow-up treatments. Some scheme summaries also mention maternity and newborn cover and special provisions for cardiac and diabetic patients. Check the official site for the current list.
| Have a private policy too? Know Your Policy explains it in plain language: benefits, limits, waiting periods and exclusions. That way you’ll know which bills MHIS handles and which your private plan should. |
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How to enrol in MHIS
- Gather documents: Aadhaar plus proof of Meghalaya residency.
- Go to an enrolment point: a District Kiosk, Common Service Centre, MHIS enrolment centre or a local camp.
- Complete biometric verification and get your photo taken.
- Add family members with proof of relationship.
- Collect your MHIS card.
- Use it at any empanelled hospital. Call ahead to confirm cashless services.
Helplines: 1800-102-4762 (toll-free) and 0364-250-7477 (state helpdesk).
| Ready to enrol or check your status? Visit the official MHIS website for enrolment details, the hospital list and updates. Quicker than waiting for the fog to lift on the way to Sohra. |
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| Family across Meghalaya, Assam and Nagaland? The CoverSure State Health Scheme Calculator lines up every scheme in one view. |
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What to know before you need MHIS
Enrol before you need it. Universal eligibility doesn’t mean you’re automatically enrolled. Get your card when everyone’s healthy.
Government employees are out. State and central government employees and their families use separate arrangements.
Phases change the details. MHIS runs in phases, and benefits can change between them. Check what the current phase covers.
Call before you go. Cashless availability can vary by hospital. A quick call to the helpline saves a wasted trip down the hill.
₹5.30 lakh is for the whole family.
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MHIS vs a private health plan
What MHIS does well
- Near-universal cover for residents, regardless of income.
- ₹5.30 lakh per family, slightly above the standard PM-JAY limit.
- Free enrolment and no premium.
- National reach through the PM-JAY network.
Where a private plan usually adds more
- Higher sums insured for families who want more than ₹5.30 lakh.
- Room choice and comfort features.
- Restoration, cumulative bonus and add-ons.
- Cover for government employees, who are outside MHIS.
- Contract certainty, while scheme phases can change benefits.
For most Meghalaya families, MHIS is a strong base. A private plan or super top-up mainly adds headroom.
When ₹5.30 lakh meets a long, hard year
Meet the Lyngdohs (a hypothetical family; numbers are illustrative). They live in Jowai.
| Event in the year (hypothetical) | Used from the ₹5.30 lakh |
|---|---|
| Grandfather’s cancer treatment at a Guwahati hospital | ₹3.4 lakh |
| Mother’s cardiac admission | ₹1.5 lakh |
| Left for the rest of the year | ₹40,000 |
What sits outside: travel to Guwahati, a family member’s stay, and costs beyond the package rates.
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Who is eligible for MHIS?
- All residents of Meghalaya, with no income limit.
- Except state and central government employees.
Documents: Aadhaar, proof of Meghalaya residency, and proof of relationship for family members.
MHIS at a glance
| Detail | Megha Health Insurance Scheme (Meghalaya) |
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| Run by | Government of Meghalaya, Health and Family Welfare Department |
| Linked with | Ayushman Bharat PM-JAY |
| Cover | ₹5.30 lakh per family per year (since Phase 5, 1 September 2022) |
| Who qualifies | All residents except state and central government employees |
| Premium | None; enrolment is free |
| Where to enrol | District kiosks, CSCs, MHIS centres, enrolment camps |
| Hospitals | Empanelled hospitals in Meghalaya and across India via PM-JAY |
| Main limitations | Government employees excluded, enrolment needed, benefits can change by phase |
| Helplines | 1800-102-4762 / 0364-250-7477 |
| Official website | mhis.org.in |
| Rather swipe? Same. MHIS in a quick LinkedIn carousel: who’s in, what’s covered, how to enrol. Swipe through it on CoverSure’s LinkedIn and share it with the family member who keeps saying “I’ll enrol next week”. |
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Quick answers (FAQs)
- What is MHIS? Meghalaya’s universal health insurance scheme, running with Ayushman Bharat PM-JAY.
- How much cover does MHIS give? ₹5.30 lakh per family per year.
- Who is eligible? All residents of Meghalaya, except state and central government employees.
- Is there an income limit? No.
- How do I enrol? At a district kiosk, CSC, MHIS centre or camp, with Aadhaar and residency proof.
- Can I use MHIS outside Meghalaya? Yes, at empanelled hospitals through the PM-JAY network.
- Is enrolment free? Yes.
- “Hey Google, what’s the MHIS helpline?” Call 1800-102-4762.
| MHIS handles the hospital. CoverSure handles the rest. Download the CoverSure app for one-place policy storage, renewal reminders and SOS alerts. |
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