Ngaihtuah ngai Mizoram Universal healthcare Scheme!

Mizoram Universal Healthcare Scheme (MUHCS) hi April ni 1, 2025-a hman ṭan kha a ni a, mahse, kum 1 chuang emaw awrh chhung hian buaina leh harsatna tam tak a tawk tawh a, chu'ng buaina leh harsatnate erawh chu mipui nâwlpui lam chuan kan hriatpui lutuk lem lo!

A hmasa berah chuan, sum leh pai lama buaina (financial un-sustainability) hi a ni awm e. Kum 2025-2026 ah MUHCS atan 50 crore chauh dah a ni a, mahse, February 2026 thleng khan 130 crore vel pek chhuah tawh a ni. Financial year tawp a nih meuh kha chuan MUHCS atana sum hman hi kum 1 chhunga sum dah zawng zawng (budget) lêt 3 ai pawhin a tam tawh zawk a ni.

MUHCS atan hian CM-in budget leh mipui thawh khawm a tâwk a tih laiin, Asian Development Bank (ADB) atangin 800 crore tehmeuh mai loan lak a ni a. He loan hi 90% chu central sorkar tum tur a ni a, 10% chu state sawrkarin a tum ve tur a ni thung a ni. Chutihrualin, ADB aṭanga loan la thei nih hi inchhuanpuina vak chi niin a lang lem lo va, inchhuanpui an awm em tih phei zawng ka hre chuang hauh lo! ADB hian condition a siam khauh viau phei chuan sawrkar policy thlengin a control thei a, loan condition bawhchhiat chuan central-in state sum chan tur thlengin a cut sak hlauh thei bawk a ni.

MUHCS hi Mizoram sum leh pai harsatna avangin a model ang takin kalpui theih a ni lo tih chu kan hre vekin a rinawm a, pensioner scheme thleng pawhin a tawrh phah a ni. Pensioner-te hian MUHCS atan hian 9.33 crore vel chauh contribution an thawh laiin treatment cost erawh a sâng hle a, 26.84 crore vel zet a tling. Chuvangin, MUHCS 1.0 anga kal leh hi sawrkar tan chuan a ngamawm loh a. Private hospital lian zawkte hi an tel duh loh reng phei chuan engtik hunah pawh tlusawp thei reng a ni zawk a, chu chu sawrkar tan chuan thil hlauhthawnawm tak a ni.

NGHAM hian engvangin nge MUHCS hi a zawm duh lo kan tih chuan, cashless system an duh loh avang leh package rate a hniam lutuk avang a ni ber a, thil dang teh vak a awm hran lo! Cashless system hi chu engpawh lo ni ta sela, package rate sâng deuh zawkin sawrkar hian inrempui thei se la chuan an zawm theih mai pawh a rinawm a ni. Sawrkar mi leh sate ngei ngei FMGE&W te pawhin MUHCS hi an duh lo bawk a, medical re-imbursement hlui anga kal leh kha an duh zawk a ni. Hei hi mahni hamṭhatna tur ngaihtuah chuan thil ṭha tak leh thil tih awm tak pawh a ni a. Mahse, sawrkar hnathawk ni lo, mipui nâwlpui tan erawh MUHCS hi a thlanawm zawk ngeiin a rinawm thung! Mipui lam aṭanga sawiselna tam ber pawh a ṭhat loh vang lam ni lovin, enrolment fee a sâng deuh tih mai chauh a ni a; sum khâwl sa (savings) nei mumal lo, a bik takin mi rethei zual deuhte tan ngat chuan a hluin a ṭha em em a ni.

Tun dinhmunah hian MUHCS kum 1 budget atana sum dah chu a lêt 3 vel zetin a pel tawh a, sawrkar tlâkchhiatna fiscal crisis an tih hi a thlen mai pawh thil hlauhthawnawm tak a ni tawh. Loan rulhna tur 10% vel sawrkarin a tum a lo ngai bawk nen, kum 2 dang hi han liam leh ta se la, state budget 10-15% vel zet hi chu ei ral thei dinhmunah a ding reng a ni. Tin, sawi tak angin private hospital lian ho hi an tel duh loh reng chuan sawrkar hospital-ah chiah a innghat thei dawn a, hei hi sawrkar tan chuan lû tihaitu a tling thuai bawk ang!

Khawvel ram dangah pawh UHCS hi kalpui ve an awm nual a, India ramah ngei pawh kalpui an awm a, a sum hrâwm a nat miau avangin buaina leh harsatna an tâwk vek a ni. Kerala-ah chuan Karunya Arogya Suraksha Padhati (KASP) kalpui a ni a, sawrkarin hospital hnenah bill a batsak nasat avangin private hospital tam zawk chu an inhnukdawk tawh. Bolivia-ah chuan Single Health System (SUS) an ti a, mipui 50% hnenah free coverage pek niin mi rethei leh dinhmun harsa zawk 5 million vel zet a cover a ni. Mahse, informal sector 60% lai an awm avangin tax base a tê a, indigenous community a thleng pha lo a ni.

Turkey-ah chuan 2003 aṭanga kalpui ṭan niin, mipui 98% vel zet a cover a. Mahse, kum 2018 currency crisis hnuah damdawi leh hmanraw man a to tak vak avangin hospital bill pek lamah harsatna a lo awm a, private hospital eng emaw zat chu an lo inhnukdawk tawh bawk. Turkey-ah hian UHCS avangin sawrkar chuan budget aṭangin 75% zet a pek a ngaih phah hial a ni. Khawvel ram ropui kan tih USA-ah pawh Affordable Care Act (ACA) kalpui a ni a, he healthcare hi profit system a nih vangin a man a to va, out-come pawh a chhe hle nghe nghe a ni. USA-ah hian mi tam takin health insurance an la neih loh avangin kum tinin political issue lian berte zinga mi a ni ziah thin a ni.

Universal Health Care chungchang WHO report 2025-in a tarlan dan chuan, "UHC hi mi tam takin hmasawnpui mah se, 4.6 billion chuangin service an la hmu kim lo va, 2.1 billion vel zetin sum harsatna an tawk a ni. UHC hi 'political struggle' a ni a, democracy leh left-wing party awmna ramah a hlawhtling duh deuh," an ti. Mizoramah kan hman ṭanna a la rei lo va, eng nge kan hmabakah hian lo la thleng zel dawn a hriat loh avangin a pawimawh hmasa berah chuan private hospital lian zawkte nena inremna ṭha kan neih thuai hi a ṭul a ni. A nih loh chuan ADB loan puk hman zawh a nih hunah, sawrkar lû tihaitu a ni mai ang tih a hlauhawm a ni. A ni ṭan mek pawh a ni tawh zawk mai thei e!

A tawpna berah chuan, "ADB loan leh central support a awm chhung chuan MUHCS vang mai maiin sawrkar a tlûkchhiat phah kher lo ang," tiin kan thlamuang deuh ringawt pawh a ni mai thei a. Mahse, reform lian tham–provider rate siam ṭhat, enrolment fee tihhniam bakah, funding source ṭha leh ngelnghet zawk siam thuai a nih loh chuan ZPM sawrkar tan hian political cost a sang hle dawn a ni. Chu chu kum 2028 general election-ah hian an tawrh phah lo ang tih pawh a sawi lâwk theih loh a, scheme thlak hialte pawh a tul mai thei a ni.

- Sangtea Chhangte