Mizoram State Health Care Scheme Health Insurance

Mizoram State Health Care Scheme: Objective, Benefits and Ways to Enrol

Affordable, accessible healthcare services are something every resident of Mizoram needs. Nowadays, the cost of medical treatments is going up every day, and even a short medical treatment can come with hefty bills. To help with this, the Mizoram government has launched the State Health Care Scheme.

This scheme is specially designed to support residents of Mizoram, especially the economically weaker sections. This scheme also extends to elderly people and those with disabilities. Eligible individuals can avail themselves of medical treatment without paying large amounts upfront at the hospital.

In this article, we’ll discuss this scheme in detail, its primary objective, who can apply, what it covers, ways to enrol and why it’s important for families in Mizoram.

What is the Mizoram State Health Care Scheme?

The Mizoram State Health Care Scheme (MSHCS) or Mizoram health insurance scheme is a health plan from the state government. It was launched in April 2008. The main objective behind this scheme was to improve access to medical treatment for several medical conditions and illnesses that may require hospitalisation and surgery. It provides health insurance cover of up to Rs. 3 lakh.

With this scheme, beneficiaries can receive treatment at both government and selected private hospitals that are part of the network, making it much easier and smoother to access the required medical attention now. The scheme ensures that people get timely medical attention without delaying treatment due to financial constraints.

Key Objectives of the Scheme

The Mizoram State Health Care Scheme has been introduced with several important objectives. It aims to provide affordable healthcare services to the people of Mizoram, which reduces their financial burden during medical emergencies. It focuses on providing cashless hospitalisation for major illnesses and surgery, and strengthening economically weaker and vulnerable sections of society.

Who is Eligible for this Scheme?

The scheme covers Below Poverty Line (BPL) and Above Poverty Line (APL) families with annual income of up to Rs. 5 lakh. Therefore, the benefits you get might be different depending on your income.

• Citizens of Mizoram may be eligible for this scheme if they are permanent residents of Mizoram, have a valid state-issued identity or ration card, and an Aadhaar card.
• Economically weaker sections, such as Below Poverty Line families (BPL)and low-income families, are also eligible for coverage under the scheme.
• In such a scheme, employees of the central and state governments, as well as pensioners, may also receive partial coverage.

Benefits of the Mizoram Health Insurance Scheme

The following are the advantages of this scheme:

1. Coverage for Critical Illness: Under the Mizoram Health Insurance Scheme, BPL families can file a claim of up to Rs. 2 lakh for life-threatening illnesses. Additionally, they also get Rs. 70,000 along with RSBY coverage for hospitalisation expenses. On the other hand, APL families get coverage up to Rs. 3 lakh for such illnesses. However, these numbers may vary depending on government revisions.
2. Cashless treatment: Both BPL and APL can receive cashless treatment at empanelled hospitals. This means you can get the treatment without any upfront payment.
3. Transport Services: Under this scheme, beneficiaries also get a travel allowance of Rs 1000 for travel within the state and Rs 10000 for travel outside the state. This feature can be beneficial as it allows the beneficiaries to receive treatment outside Mizoram at selected hospitals.
4. Pre- And Post-Hospitalization Cover: Expenses incurred before admission and after discharge from the hospital are included under this scheme. This scheme covers pre-hospitalisation and post-hospitalisation expenses for up to 10 days after discharge from the hospital. In the case of organ transplantation patients, the post-hospitalisation coverage would last for 30 days.
5. Coverage of Pre-Existing Diseases: All covered pre-existing diseases are included from the date you join the scheme.
6. Day Care Procedures: The treatments that do not require the patient to stay in the hospital for 24 hours are covered under this scheme. Some procedures include hysterectomy, epilepsy, radiotherapy, eye surgery, etc.
7. Maternity and Newborn Child: BPL families can get the benefits of maternity coverage. Meanwhile, medical expenses for newborn children are included for both APL and BPL families.

Medical Coverage Under the Scheme

This scheme covers many different medical needs, whether it’s an emergency or a planned treatment.

Treatments and Services Included

• Hospitalisation expenses
• Medicines during hospital stay
• Pre-operative and post‑operative care
• Intensive care treatment
• Daycare procedures
• Diagnostic tests and medical investigations
• Treatment for chronic conditions

How to Enrol for the Mizoram Health Insurance Scheme?

Signing up for the Mizoram Health Insurance Scheme is easy and straightforward.

Here’s how to do it:

1. Gather all the required documents, such as a voter ID card, identity proof, income certificate, ration card, and BPL card if applicable. Ensure all the documents are valid and scanned.
2. Visit the health sub-centre or enrolment centre nearby, where you can sign up for this scheme.  
3. Now, the applicant must fill out the required application form with the correct personal and family details.
4. You must provide the voter ID card of the head of your family for identity verification purposes. Ensure the information related to the primary member of the family is correct to confirm your eligibility for enrolment in the scheme.
5. Now the applicant's identity and documents will be verified, and you need to pay the registration fee.
6. The officials will proceed to issue a laminated photo ID card to the beneficiary. This MHIS identity card will be considered proof of your enrolment in this scheme. With this card, you can avail yourself of the benefits.  

By following the above-mentioned steps, the applicant can successfully enrol for the insurance scheme administered by the Mizoram Health Care Society.

What are the documents required for the Mizoram Health Insurance Scheme?

Eligible families are required to provide essential documents to enrol in this scheme.

Some documents include:

• Voter ID card of the head of the family
• Ration card
• Aadhaar card
• Address proof
• Income certificate
• Functional mobile number

Summing Up

The  Mizoram Health Insurance Scheme is the government’s commitment to improve the overall health and well-being of people in Mizoram. With this scheme, it has become easy for BPL and APL families to get the best treatment without any delays and worrying about high medical bills.

This initiative by the government has made healthcare more accessible and affordable for eligible beneficiaries. It ensures that the citizens of Mizoram get financial protection during medical emergencies.

Therefore, individuals who are eligible but have not yet enrolled in this scheme should take complete advantage of its benefits by just signing up. Additionally, it is also recommended to raise awareness among others who are eligible for this scheme so that more people can benefit from it.