# Mizoram's Health Insurance Drive Pays Out Rs 271 Crore As Coverage Crosses 3.2 Lakh Homes > Mizoram's second-phase health cover programme has enrolled over 3.2 lakh families and paid out more than Rs 271 crore in treatment costs since it began in 2025, with thousands more benefiting through an integrated Central scheme. **Type:** article · **Category:** Mizoram · **Published:** 2026-09-07 · **Source:** TrendKia **Canonical:** https://trendkia.com/en/mizoram/mizoram-ki-heltha-inshyorensa-skima-men-aba-taka-271-karora-rupae-kharcha-3-2-lakha-parivara-jure-28977 · **Language:** English **Tags:** Mizoram Universal Healthcare Scheme, MUHCS, Mizoram health insurance, AB-PMJAY, Lalduhoma government, cashless treatment Mizoram, Mizoram hospitals, health insurance premium 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. ## What this means for you MUHCS 2.0's growth shows how Mizoram is layering its own health cover on top of the Centre's Ayushman Bharat scheme, a model other states may watch. - **Across India:** The scheme covers 2,26,899 AB-PMJAY beneficiaries too, so anyone holding a national Ayushman Bharat card should check if their own state runs a similar top-up scheme. - **In Mizoram, general households:** Cover up to Rs 5 lakh a year costs a premium of Rs 2,500 to Rs 10,000, depending on the hospital ward chosen, so compare ward options before enrolling. - **In Mizoram, government staff:** Contractual and muster-roll employees too can get unlimited coverage for just Rs 200 to Rs 1,500 a month, so check enrolment status through the payroll office. - **In Mizoram, pensioners:** Up to Rs 2 lakh a year in cover comes only by surrendering the monthly medical allowance, so weigh this trade-off before opting in. - **Pending claims:** Over Rs 25 crore in claims, including 1,757 reimbursement requests, are being cleared in phases, so those awaiting reimbursement should expect a wait but not a denial, since no hospital dues are outstanding. ## Questions & Answers ### 1. How many families have enrolled under MUHCS so far? More than 3.2 lakh families are enrolled under the scheme's second phase. ### 2. How much has the Mizoram government spent on treatment under the scheme? Over Rs 271 crore has been disbursed for treatment since the scheme launched in 2025. ### 3. Who are the beneficiaries under MUHCS? 48,091 are general beneficiaries, 35,325 are government employees, and 11,928 are pensioners, apart from 2,26,899 people covered through the Centre's AB-PMJAY. ### 4. When did the scheme start and who runs it? The ZPM government led by Chief Minister Lalduhoma launched MUHCS 1.0 in March 2025, with the second phase starting in March this year. ### 5. How did the first phase of the scheme perform? More than one lakh patients were treated, the government spent Rs 171.57 crore, and 4,772 patients were referred outside Mizoram for specialised care. ### 6. How is MUHCS 2.0 doing so far? As of August 24, 31,832 patients had availed treatment, with Rs 99.60 crore released towards costs. ### 7. How much do general beneficiaries pay for cover? They pay a premium of Rs 2,500 to Rs 10,000 a year, depending on the hospital ward, for cover of up to Rs 5 lakh. ### 8. What do government employees and pensioners pay? Government employees, including contractual and muster-roll staff, pay Rs 200 to Rs 1,500 a month for unlimited cover, while pensioners get up to Rs 2 lakh a year by giving up their monthly medical allowance. ### 9. How many hospitals are part of the scheme, and are there pending dues? 20 private hospitals and 5 day-care centres in Mizoram plus 53 outside are empanelled, with 11 more given deemed empanelment; no dues are outstanding, though claims worth over Rs 25 crore are still being processed. --- _TrendKia — Har trend, sabse pehle.. Machine-readable view; canonical HTML at the URL above._