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
- Cashless Inpatient & Daycare Procedures
- Covers pre-existing conditions and allows treatment at empanelled hospitals throughout India.
- 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.
- 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.
- Exclusions
- OPD services and standalone diagnostic investigations are not covered.
Eligibility
CMHIS (GEN)
- Indigenous Inhabitant or Permanent Resident of Nagaland, not enrolled under AB PM-JAY.
- Must hold a valid IIC or PRC (issued post-2016), Aadhaar card, and mobile phone number.
CMHIS (EP)
- Government Employee or Pensioner (including dependent family members).
- Must possess:
- PIMS code (employees)
- PPO book (pensioners)
- Aadhaar card and other relevant dependent certificates if applicable.
Application Process (Online)
- Visit Official CMHIS Website
- Read registration instructions.
- Fill Application Form
- Provide personal details, family info, income data, and medical history.
- Document Submission
- Submit the completed form at Common Service Centers (CSC) or empanelled hospitals for verification.
- Verification
- The insurance provider validates your application based on eligibility criteria.
- Approval
- If approved, you receive an e-Card, enabling cashless treatment up to your sum insured.
For Queries
- Call: 14555
- Email: [email protected]
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)
- What is CMHIS?
A public health insurance scheme by the Nagaland government offering cashless hospitalization for eligible families. - 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. - Who are eligible under CMHIS (EP)?
Government employees, pensioners, and their dependents with valid PIMS or PPO details. - What is the family coverage limit?
- CMHIS (GEN): ₹5 lakh per annum
- CMHIS (EP): ₹20 lakh per annum
- Are all medical treatments covered?
Coverage applies to inpatient and specified daycare procedures. OPD services and standalone diagnostics are excluded. - Can I include all my family members under CMHIS?
Yes, follow family definition guidelines. Dependents must meet the stated dependency criteria. - Can I apply if I already have other health insurance?
Yes, CMHIS is separate. Additional coverage does not affect eligibility. - How do I check my eligibility for CMHIS?
- Visit CMHIS website or
- Contact local CSC/hospital/Health Department office.
- What documents are needed to apply?
Aadhaar, valid mobile number, IIC/PRC (GEN) or PIMS/PPO (EP), plus dependent certificates. - What coverage is provided under CMHIS?
Up to ₹5 lakh (GEN) or ₹20 lakh (EP) for inpatient and daycare treatments across empanelled hospitals.