Launched on 16th October 2022 by the Health and Family Welfare Department, Government of Nagaland, the Chief Minister’s Health Insurance Scheme (CMHIS) is a public health insurance initiative. The scheme provides comprehensive, cashless treatment for medical emergencies and planned hospitalizations across empanelled hospitals nationwide. It offers distinct coverage for different beneficiary groups, with higher benefits for government employees and pensioners (CMHIS (EP)) and a standard benefit for the general category (CMHIS (GEN)).
Benefits
- Coverage for CMHIS (GEN):
- Annual risk cover/sum insured of ₹5,00,000 per family on a family floater basis (similar to AB PM-JAY).
- Coverage for CMHIS (EP):
- Annual risk cover/sum insured of ₹20,00,000 per family on a family floater basis.
- For government employees, any additional expenses beyond the sum insured are reimbursed on a case-to-case basis by the state government upon recommendation of the State Medical Board.
- Scope of Treatment:
- The scheme covers inpatient care and selected daycare procedures, including surgical and medical treatments.
- It does not cover outpatient (OPD) services or standalone diagnostic investigations.
- Cashless Facility:
Treatment is provided on a cashless basis at empaneled hospitals across India. - Renewal:
The scheme is valid for one year, with renewal formalities required annually.
Eligibility
The scheme is available to all permanent and indigenous residents of Nagaland and is divided into two categories:
- CMHIS (EP):
- Beneficiaries: Government employees, pensioners, and their dependent family members.
- Required Documents: Must possess valid supporting documents such as the PIMS Code, PPO book, Aadhaar card, and certificates for dependents.
- CMHIS (GEN):
- Beneficiaries: Indigenous inhabitants or permanent residents of Nagaland not covered under AB PM-JAY.
- Required Documents: Must possess an Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC) issued after 2016, along with an Aadhaar card and a valid mobile number.
For both categories, eligible family members include the primary applicant, their spouse, and up to two dependent children (for children, coverage extends until they are 21 years old).
Application Process
Online
- Visit the Official Website:
Navigate to the official website of the Chief Minister’s Health Insurance Scheme (CMHIS) Nagaland. - Registration:
- Click on the “Register” option and carefully read the registration instructions.
- Fill in the application form with all required details, including personal, family, income, and medical history.
- Submission:
- Submit the completed application form along with the necessary documents at the nearest Common Service Center (CSC) or designated empanelled hospital.
- The CSC or the hospital will verify your details and upload the application to the online portal.
- Verification and Approval:
- The insurance provider will verify the application and approve or reject it based on the eligibility criteria.
- For any queries, contact the scheme helpline at 14555 or email at [email protected].
Documents Required
-
For CMHIS (GEN) Category:
- Valid mobile phone number.
- Indigenous Inhabitant Certificate (IIC) or Permanent Residential Certificate (PRC) issued after 2016.
- (For ration card holders, eCards from the BIS portal are used.)
-
For CMHIS (EP) Category:
- For pensioners: Valid mobile number and the first three pages of the Pensioner’s PPO book.
- For government employees: Valid mobile number and PIMS code.
- For dependent family members: Proof of dependency (Birth Certificate, Aadhaar, Class X Admit Card, Voter ID, or PAN Card).
- Disability Certificate for PwD (if applicable).
-
General Documents:
- Aadhaar card.
- Other KYC documents as specified.
Frequently Asked Questions
- What is CMHIS?
It is the Chief Minister’s Health Insurance Scheme providing cashless treatment for various medical procedures. - Who are eligible under the CMHIS (GEN) Category?
Indigenous inhabitants or permanent residents of Nagaland (not covered under AB PM-JAY) with an IIC or PRC. - Who are eligible under the CMHIS (EP) Category?
Government employees, pensioners, and their dependent family members. - What is the definition of family under CMHIS (EP)?
The family includes the applicant, their spouse, and dependent children (up to 21 years). - What is the annual risk cover/sum insured per family?
- CMHIS (GEN): ₹5,00,000 per family per annum.
- CMHIS (EP): ₹20,00,000 per family per annum.
- Are all medical treatments covered under CMHIS?
No, outpatient services and standalone diagnostic tests are not covered. - Can I apply for CMHIS if I already have health insurance from another provider?
Eligibility is based solely on the criteria for CMHIS; having additional insurance does not disqualify you. - Can I include all my family members under CMHIS?
Coverage includes the applicant, their spouse, and up to two dependent children. - How can I check my eligibility?
Eligibility can be checked online on the CMHIS portal. - What documents are required to apply for CMHIS?
Documents vary by category, including Aadhaar, IIC/PRC, PIMS code or PPO book for employees, and KYC proofs for dependents. - What is the coverage provided under CMHIS?
Coverage includes inpatient and select daycare treatments up to the respective sum insured limits. - Where can I get more information about CMHIS?
More details are available on the official website of the Information and Public Relations Department, Nagaland.