A state-run health cover initiative in Mizoram has now brought more than 3.2 lakh households under its umbrella, with officials confirming that over Rs 271 crore has already been paid out for patient treatment since the programme began in 2025.
Who Is Covered
Government figures put the enrolled families into three buckets: 48,091 general households, 35,325 households linked to government employees, and 11,928 households headed by pensioners. Separately, another 2,26,899 people are covered because the state has folded the Centre's AB-PMJAY scheme into MUHCS, giving national scheme beneficiaries the same local benefits.
Two-Phase Rollout
The programme, known as the Mizoram Universal Healthcare Scheme or MUHCS, was rolled out by the ZPM government under Chief Minister Lalduhoma in March 2025, offering cashless treatment at government-run hospitals as well as empanelled private and church-run hospitals both inside and outside the state. A second phase followed in March this year. During the opening phase, treatment reached more than one lakh patients, and the exchequer spent Rs 171.57 crore settling their bills, while 4,772 people needing specialised care were sent to hospitals outside Mizoram. Under the ongoing MUHCS 2.0, figures up to August 24 show 31,832 patients have already availed treatment, with Rs 99.60 crore released to cover their costs.
Premiums And Payouts By Category
General beneficiaries can claim health cover worth up to Rs 5 lakh a year, and their premium ranges from Rs 2,500 to Rs 10,000 based on the hospital ward category they choose. Government staff, including those on contractual and muster-roll appointments, pay between Rs 200 and Rs 1,500 every month in exchange for unlimited medical coverage. Pensioners together with their spouses qualify for as much as Rs 2 lakh a year in coverage, provided they surrender the monthly medical allowance they otherwise draw.
Hospital Network And Pending Claims
On the provider side, Mizoram currently has 20 private hospitals plus five day-care centres on its empanelment list, alongside 53 more private hospitals based elsewhere that the scheme also recognises. A further 11 out-of-state hospitals hold deemed-empanelment status. Officials said no dues are pending with any empanelled hospital at present, though claims worth more than Rs 25 crore, covering hospital bills and 1,757 individual reimbursement requests, are still being processed and will be cleared in stages.
