What is Meghalaya Health Insurance Scheme?
The Meghalaya Health Insurance Scheme (MHIS) is administered by the Health & Family Welfare Department, Government of Meghalaya, to protect poor households from catastrophic medical bills. It provides cashless health insurance coverage of up to ₹5 lakh per year to BPL (Below Poverty Line) families in the state, with the entire family unit covered under a single policy. Beneficiary families can avail cashless treatment at empanelled government and private hospitals across Meghalaya and at select hospitals in other states, covering hospitalization, surgeries, and pre- and post-hospitalization expenses. After enrolment families receive an MHIS smart card, which they present at the hospital insurance helpdesk so that approved procedures are settled directly with the insurer — no upfront cash is needed for covered treatment.
Meghalaya Health Insurance Scheme — Quick Overview
| Scheme Name | Meghalaya Health Insurance Scheme 2026 — ₹5 Lakh Cashless Cover for BPL Families | MHIS |
| State | Meghalaya (मेघालय) |
| Launched By | Government of Meghalaya |
| Launch Year | 2012 |
| Benefit | ₹5 lakh cashless health insurance per year for BPL families |
| Category | Health |
| Beneficiaries | 3 lakh+ BPL families in Meghalaya |
| Last Verified | 17 June 2026 |
| Official Portal | https://mhis.meghalaya.gov.in |
मेघालय हेल्थ इंश्योरेंस स्कीम (MHIS) BPL परिवारों को ₹5 लाख/वर्ष का कैशलेस स्वास्थ्य बीमा कवरेज प्रदान करती है। लाभार्थी परिवार मेघालय और अन्य राज्यों के पैनलबद्ध सरकारी व निजी अस्पतालों में कैशलेस उपचार प्राप्त कर सकते हैं। अस्पताल में भर्ती, सर्जरी, पूर्व और बाद के खर्च शामिल हैं।
₹5 लाख/वर्ष कैशलेस स्वास्थ्य बीमा — BPL परिवारों के लिए
मेघालय हेल्थ इंश्योरेंस स्कीम (MHIS) BPL परिवारों को ₹5 लाख प्रति वर्ष का कैशलेस स्वास्थ्य बीमा प्रदान करती है। mhis.meghalaya.gov.in पर या नजदीकी CSC / जिला स्वास्थ्य कार्यालय में पंजीकरण कर MHIS स्मार्ट कार्ड प्राप्त करें और पैनलबद्ध अस्पतालों में कैशलेस इलाज का लाभ उठाएं।
📌 फायदा: ₹5 लाख/वर्ष कैशलेस स्वास्थ्य बीमा — पूरे परिवार के लिए
पात्रता:
BPL राशन कार्ड धारक मेघालय परिवार, स्थायी निवासी, आधार कार्ड अनिवार्य।
अर्ज कसा करावा:
mhis.meghalaya.gov.in पर जाएं या नजदीकी जिला स्वास्थ्य कार्यालय / CSC में आधार और BPL राशन कार्ड लेकर जाएं और MHIS enrollment कराएं।
Benefits of Meghalaya Health Insurance Scheme
✅ ₹5 lakh cashless health insurance per year for BPL families
₹5 लाख/वर्ष कैशलेस स्वास्थ्य बीमा — BPL परिवारों के लिए
Who is Eligible for Meghalaya Health Insurance Scheme?
- ✓ BPL (Below Poverty Line) family in Meghalaya with BPL ration card
- ✓ Permanent resident of Meghalaya
- ✓ Entire family unit (up to 5 members) covered under one policy
- ✓ Not already covered under PMJAY (Ayushman Bharat) — MHIS covers the gap
- ✓ Aadhaar card required for beneficiary identification
Documents Required for Meghalaya Health Insurance Scheme
How to Apply for Meghalaya Health Insurance Scheme Online?
- 1Visit mhis.meghalaya.gov.in or the nearest Common Service Centre (CSC) / District Health Office
- 2Check your name in the MHIS beneficiary list using Aadhaar or ration card number
- 3If eligible, complete enrollment and obtain the MHIS smart card
- 4Visit any empanelled hospital and show the MHIS smart card at the insurance helpdesk
- 5Cashless treatment up to ₹5 lakh per year is provided — no cash payment needed for covered procedures
Official Government Portal — Meghalaya
Applications go through mhis.meghalaya.gov.in only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗 MHIS Meghalaya Official PortalReal-Life Examples — Are You Eligible for Meghalaya Health Insurance Scheme?
See which of these applicant profiles is closest to your case:
BPL family of four in Jaintia Hills holding a valid BPL ration card and Aadhaar cards for all members
Eligible — A BPL ration-card-holding family that are permanent residents with Aadhaar can be enrolled, and all five-or-fewer members are covered under one policy.
Daily-wage worker's family whose name appears in the MHIS beneficiary list but who has not yet collected the smart card
Eligible — They are eligible by listing; they simply need to complete enrolment and obtain the MHIS smart card to start using cashless treatment.
Salaried family above the poverty line with no BPL ration card
Not eligible — MHIS coverage here is targeted at BPL families identified through the ration card / SECC data, so an above-poverty-line household does not qualify.
Sample profiles, not guarantees — recheck the notified criteria before you apply.
Common Mistakes — Why Meghalaya Health Insurance Scheme Applications Get Rejected
- ✗Assuming you are covered without checking your name in the MHIS beneficiary list using the Aadhaar or ration card number first.
- ✗Reaching the hospital without the MHIS smart card, so the insurance helpdesk cannot authorise cashless treatment.
- ✗Using an expired or incorrect BPL ration card that does not match SECC data, which stalls enrolment.
- ✗Leaving out one family member's Aadhaar at enrolment, so that person is not added to the family policy.
Insider Tips for Meghalaya Health Insurance Scheme
- →Verify your family's listing on mhis.meghalaya.gov.in or at the District Health Office before any planned hospitalisation.
- →Collect the MHIS smart card right after enrolment and keep it with the BPL ration card so it is ready in an emergency.
- →Confirm a hospital is empanelled under MHIS before admission, since cashless cover applies only at empanelled facilities.
- →Carry Aadhaar for the patient and present the smart card at the insurance helpdesk on arrival to start the cashless approval early.