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MERANAA SCHEME

'Meranaa' Scheme Overview

The 'Meranaa' scheme is designed to provide medical treatment for Maldivian citizens residing in Sri Lanka, India, Malaysia, and the Philippines who hold a valid visa for at least six months.

 

Key Benefits

  • Annual total coverage: MVR 150,000 per participant
  • Outpatient (OP) limit: MVR 10,000 per year (part of total)
  • Inpatient (IP) coverage: up to MVR 150,000 per year (includes OP)
  • Merana scheme will cover 65% of the total amount after deducting non-insured items
  • Cashless treatment at Aasandha-empanelled providers in India and Sri Lanka
  • Reimbursement process available for services in Malaysia, Philippines, India and Lanka 

 

Eligibility

  • Maldivian citizen living in Sri Lanka, India, Malaysia, or the Philippines
  • Valid visa with a minimum validity of 6 months, excluding business and medical visa
  • Will not be valid if the beneficiary did not upload a valid visa meeting the minimum six (6) months validity requirement for the period in which services were obtained.
  • Must complete registration through the Meranaa portal
  1. Visit: meranaa.aasandha.mv
  2. Complete the Meranaa registration form.
  3. Upload required documents:
    • Passport copy
    • Valid visa (minimum 6 months)
  4. Submit the form and verify the registration from the respective High Commission
  5. Services can be taken under Meranaa Scheme after approval is provided by Aasandha. 

 

Cashless Services (India & Sri Lanka)

  • If you receive treatment at an Aasandha-empanelled provider in India or Sri Lanka, services will be provided cashless subject to scheme terms and limits.
  • Confirm empanelment and pre-authorization requirements with the treating hospital before admission.

 

Reimbursement (Malaysia, Phillipines and Non-Cashless Cases)

  • After treatment, complete the Reimbursement Form (download from the portal).
  • Submit original bills, receipts, and medical reports via one of the following:
  • Time limits:
    • Submit reimbursement applications within 60 days of treatment.
    • Reimbursements processed within 20 days of receipt.

 

Forms & Support

  • Reimbursement form: Download
  • For assistance or to request forms by phone/email: