MERANAA SCHEME

 'Meranaa' Scheme Overview

The ‘Meranaa’ Scheme is designed to provide medical treatment assistance to Maldivian citizens residing in Sri Lanka, India, Malaysia, or the Philippines who hold a valid visa with a minimum duration of six months.

The scheme has been expanded to support Maldivian students and residents abroad, including emergency health assistance and regional cashless services through Aasandha-empanelled healthcare providers, subject to scheme terms and limits.

 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)

·         Meranaa scheme will cover 65% of the total amount after deducting non-insured items

·         Cashless treatment at Aasandha-empanelled providers in India and Sri Lanka

·         Maldivians living in India, Sri Lanka, and Malaysia are eligible for cashless inpatient and outpatient services at empanelled hospitals, subject to scheme terms and limits

·         Full cashless coverage is provided for medical emergencies treated at empanelled facilities

·         Maldivian students residing abroad in countries with empanelled hospitals will receive emergency health assistance under the Aasandha or Meranaa scheme framework

·         Reimbursement process available for services in Malaysia, Philippines, India and Sri Lanka

·         A specialized reimbursement model will be rolled out for residents in the Philippines

·         For emergency situations abroad in non-cashless areas, citizens can seek treatment at their own expense and apply for up to 60% reimbursement upon submitting the required documentation

 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.

·         Maldivians living in India and Sri Lanka are eligible for cashless inpatient and outpatient services at empanelled hospitals, subject to scheme terms and limits.

·         For medical emergencies treated at empanelled facilities, full cashless coverage will be provided under the scheme terms.

·         Maldivian students residing abroad in countries with empanelled hospitals will receive emergency health assistance under the Aasandha or Meranaa scheme framework.

·         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).

·         A specialized reimbursement model will be rolled out for residents in the Philippines.

·         For emergency situations abroad in non-cashless areas, citizens can seek treatment at their own expense and apply for up to 60% reimbursement upon submitting the required documentation.

·         Non-emergency situations will continue to follow standard Meranaa protocols.

·         Submit original bills, receipts, and medical reports via one of the following:
- Online: meranaa.aasandha.mv
- Email: [email protected]
- Hard copy: Aasandha Customer Service Front Office, 3rd Floor, Fen Building, Malé

 Forms & Support

·         Reimbursement form: Download

·         For assistance or to request forms by phone/email:
   Call Centre: 1400
   Email: [email protected]
   WhatsApp Chat Assistance: +960 9201400