Nagaland CMHIS Scheme: Cashless Health Insurance

The Chief Minister’s Health Insurance Scheme (CMHIS), launched on 16th October 2022 by the Department of Health & Family Welfare, Government of Nagaland, offers cashless inpatient and specific daycare procedures in empanelled hospitals across India. It provides coverage of up to ₹5 lakh per family per annum for the general category (CMHIS-GEN) and up to ₹20 lakh per year for government employees/pensioners (CMHIS-EP).


Key Benefits

  1. Cashless Inpatient & Daycare Procedures
    • Covers pre-existing conditions and allows treatment at empanelled hospitals throughout India.
  2. Coverage Limits
    • CMHIS (GEN): ₹5 lakh per family per annum.
    • CMHIS (EP): ₹20 lakh per family per annum.
    • Government employees can get additional expenses beyond the sum insured on a case-by-case basis, subject to State Medical Board recommendations.
  3. Treatment Packages
    • CMHIS (GEN): Over 1950 medical/surgical packages covering 27 clinical specialties, with general ward entitlement similar to AB PM-JAY.
    • CMHIS (EP): Benefits akin to CGHS, including differential room entitlement based on grade.
  4. Exclusions
    • OPD services and standalone diagnostic investigations are not covered.

Eligibility

CMHIS (GEN)

  1. Indigenous Inhabitant or Permanent Resident of Nagaland, not enrolled under AB PM-JAY.
  2. Must hold a valid IIC or PRC (issued post-2016), Aadhaar card, and mobile phone number.

CMHIS (EP)

  1. Government Employee or Pensioner (including dependent family members).
  2. Must possess:
    • PIMS code (employees)
    • PPO book (pensioners)
    • Aadhaar card and other relevant dependent certificates if applicable.

Application Process (Online)

  1. Visit Official CMHIS Website
    • Read registration instructions.
  2. Fill Application Form
    • Provide personal details, family info, income data, and medical history.
  3. Document Submission
    • Submit the completed form at Common Service Centers (CSC) or empanelled hospitals for verification.
  4. Verification
    • The insurance provider validates your application based on eligibility criteria.
  5. Approval
    • If approved, you receive an e-Card, enabling cashless treatment up to your sum insured.

For Queries


Documents Required

CMHIS (GEN) Category

  • Valid Mobile Number
  • IIC/PRC (post-2016)
  • Aadhaar Card
  • Ration Card holders: Directly issue eCards from the BIS portal without CMHIS Portal registration.

Employees Without PIMS Number

  • Valid Mobile Number
  • Government-Issued Photo ID
  • Engagement/Appointment Order
  • Proof of Continuity (Letter from controlling officer)
  • Household Member Details Form (countersigned by Village/Ward Chairman)

CMHIS (EP) Category

  • Pensioners:
    • Mobile Number
    • First three pages of PPO book
  • Government Employees:
    • Mobile Number
    • PIMS Code
  • Dependent Family Members:
    • Proof of relationship/Date of birth (Birth Certificate, Aadhaar, etc.)
    • Disability Certificate (if applicable)

Frequently Asked Questions (FAQs)

  1. What is CMHIS?
    A public health insurance scheme by the Nagaland government offering cashless hospitalization for eligible families.
  2. Who are eligible under CMHIS (GEN)?
    Indigenous/permanent residents of Nagaland not covered by AB PM-JAY, holding IIC/PRC and a valid mobile number.
  3. Who are eligible under CMHIS (EP)?
    Government employees, pensioners, and their dependents with valid PIMS or PPO details.
  4. What is the family coverage limit?
  5. CMHIS (GEN): ₹5 lakh per annum
  6. CMHIS (EP): ₹20 lakh per annum
  7. Are all medical treatments covered?
    Coverage applies to inpatient and specified daycare procedures. OPD services and standalone diagnostics are excluded.
  8. Can I include all my family members under CMHIS?
    Yes, follow family definition guidelines. Dependents must meet the stated dependency criteria.
  9. Can I apply if I already have other health insurance?
    Yes, CMHIS is separate. Additional coverage does not affect eligibility.
  10. How do I check my eligibility for CMHIS?
  11. Visit CMHIS website or
  12. Contact local CSC/hospital/Health Department office.
  13. What documents are needed to apply?
    Aadhaar, valid mobile number, IIC/PRC (GEN) or PIMS/PPO (EP), plus dependent certificates.
  14. What coverage is provided under CMHIS?
    Up to ₹5 lakh (GEN) or ₹20 lakh (EP) for inpatient and daycare treatments across empanelled hospitals.

Sources and References

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