Megha Health Insurance Scheme was launched in 2012. The Government of Meghalaya via the State Nodal Agency began the implementation of MHIS in convergence with the Rashtriya Swasthiya Bima Yojana (RSBY) in 2013. The insurance cover was increased to ₹ 1.6 lakhs for all citizens of the state (excluding state and central government employees). Since the cover under RSBY for the insured beneficiaries was restricted only to secondary care and surgical packages, the universal scheme introduced critical care, oncology, and other essential tertiary care packages.

Subsequently, the insurance cover has increased over the years – to ₹ 2.0 Lakhs in MHIS II, 2.8 Lakhs in MHIS III (plus ₹ 30,000 senior citizen cover for enrolled senior citizens), and ₹ 5 Lakhs in MHIS IV and now to ₹ 5.3 Lakhs in MHIS V. The growth is not just in the insurance cover but also in the expansion of the scheme’s scope over the years, which has been possible due to continued interventions made by the Government to address implementation challenges. MHIS is now being implemented with Pradhan Mantri Jan Arogya Yojana since the fourth phase (2019) introducing several operational changes which have improved the service delivery of the scheme in the past few years.

RELIANCE GENERAL INSURANCE COMPANY LIMITED is the current Insurance Company identified for implementing the scheme in Meghalaya for MHIS 6 selected through a rigorous and competitive bidding process.

I extend my warmest greetings and welcome you to Megha Health Insurance Scheme. 
I take this opportunity to quote Article 19 of the Universal Declaration of Human Rights, “Everyone has the right to freedom of opinion and expression; this right includes freedom to hold opinions without interference and to seek, receive and impart information and ideas through any media and regardless of frontiers”.

At MHIS we also believe that every person, boys and girls, men and women, young and old deserves to be informed. 

What began as a government sponsored health insurance scheme providing a coverage of ₹ 1,60,000 per household, MHIS has grown to provide health insurance benefits of ₹ 5,30,000 per household covering the entire population of Meghalaya irrespective of any socio-economic category. Meghalaya prides itself of being pioneers of implementing universal health insurance and the only state in the country to cover out-patient services such as diagnostic and lab services with a focus on maternal, child health and preventive packages for lifestyle diseases. Presently, MHIS has close to 100% empanelment with hospitals in Meghalaya and by virtue of our convergence with the Pradhan Mantri Jan Arogya Yojana, our beneficiaries have an access to avail healthcare treatment in approximately 40,000 empanelled hospitals across India. Our endeavours have enabled us to register 21 lakh beneficiaries out of which 13 lakhs have their aadhaar seeded, through our efforts in claims utilisation, until mid of 2026, MHIS has been able to reduce out-of-pocket expenditure to an enormous amount of close to ₹ 1400 crores and our focus on comprehensive claim adjudication, in-depth medical and beneficiary audits have ensured that quality is maintained while rendering these deliverables. 

As you turn the pages and navigate the tabs on this website, I hope that this platform gives you the information, strengthen your knowledge, empowers you to know your entitlement and encourage you to address your grievances or complaints through the medium available on this website. As we grow from strength to strength, I believe that your interaction with us through this website shall enable us to improve our service delivery and ensure efficiency in MHIS implementation.