The Government of Meghalaya developed a universal health insurance scheme for the state by improvising on the structural framework of the Rashtriya Swasthya Bima Yojana (RSBY).
The scheme provides coverage to all residents of the state apart from those who are employed by the state and central governments. The scheme was launched in 2012 with the aim of providing financial assistance for hospitalisation to residents of the state.
When the scheme was launched in 2012, it provided a health cover of Rs.1.60 lakh to a family of 5 on a floater basis. To avail the services of the scheme, the beneficiaries were required to pay an enrollment fee of Rs.31. Since 2012, a number of improvements and amendments have been made to the scheme to further enhance the coverage that the beneficiaries receive.
Since its initial launch in 2012, the MHIS has undergone regular changes with regard to the package rates and the treatments covered in the scheme. The following are some of the features and benefits of the scheme:
The most recent is the 4th phase of the scheme which will be integrated with the Pradhan Mantri Rashtriya Swasthya Suraksha Mission. The government of Meghalaya is yet to roll out the latest version of the scheme. It is scheduled to be in effect before the end of 2018 and will provide beneficiaries with coverage up to Rs.5 lakh.
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