Chief Minister's Comprehensive Health Insurance Scheme

Read on to know the details of this government scheme.
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1-December-2023

The Chief Minister Comprehensive Health Insurance Scheme, initially launched as Kalaingar Kaappittu Thittam on July 23, 2009, has been operating under the administration of the United India Insurance Company since January 2022 until 2027. This program aims to deliver high-quality healthcare services to eligible individuals by partnering with both government and private hospitals. 

Its primary objectives include alleviating financial burdens for enrolled families and progressing towards universal health coverage by establishing effective connections with the public health system. As of January 2022, approximately 1.37 crore families are covered under CMCHIS. 

The scheme encompasses a total of 1090 procedures, including 8 follow-up procedures and 52 diagnostic procedures, available across 800 government and 900 private empanelled hospitals. In this article, we will discuss in detail the eligibility, objectives, and significance of this scheme.

Explore: Government health insurance schemes in India

What is CMCHIS?

CMCHIS or Chief Minister Comprehensive Health Insurance Scheme is also known as the Amma Health Insurance. The primary objective of the scheme is to facilitate cashless hospitalisation for particular ailments and procedures, offering coverage of up to Rs. 5 lakh per family per year on a floater basis for the specified health conditions. 

CMCHIS represents a substantial stride in guaranteeing that marginalised segments of society access necessary healthcare without enduring financial strain, concurrently fostering the availability of high-quality medical services.

Benefits of CM Comprehensive Health Insurance Scheme

Given below are the benefits of this government scheme:

  • Extensive protection for medical emergencies: Crafted to offer financial assistance to families grappling with the formidable expenses of healthcare treatments in India, the scheme strives to ease the burden of medical emergencies.
  • Large network of hospitals: A prominent advantage of the scheme lies in its sprawling network of empanelled hospitals, ensuring swift access to medical facilities, even in remote areas. This extensive reach enhances the scheme's effectiveness in providing timely healthcare services to beneficiaries.
  • Inclusive coverage across various treatments: The scheme boasts comprehensive coverage for a multitude of treatments, ensuring that the beneficiaries do not have to pay out of their pockets. This inclusive approach guarantees that beneficiaries can undergo any treatment covered by the policy without incurring additional costs, thereby rendering healthcare more financially accessible.
  • Generous sum insured: With a substantial coverage of up to Rs. 5 lakh per family per policy year, the Chief Minister Comprehensive Health Insurance Scheme offers a considerable safety net.
  • Inclusive coverage for additional medical procedures: Diverging from conventional health insurance policies, the scheme extends coverage to follow-up treatments and diagnostic procedures. This inclusive approach eradicates the necessity for beneficiaries to allocate extra funds for these procedures, thereby providing an added layer of financial relief.

CMCHIS eligibility

The eligibility for participation in the Chief Minister’s Comprehensive Health Insurance Scheme is determined by the inclusion of the individual's name in the family card and a family annual income below Rs. 1.2 lakh for residents of Tamil Nadu. 

To qualify for scheme benefits, presenting the family card, Aadhaar card, income certificate from the VAO/Revenue Authorities, and a self-declaration by the head of the respective family is sufficient. The family, for this scheme, encompasses the eligible member and the following family members:

  • Legal spouse of the eligible individual
  • Children of the eligible individual
  • Dependent parent of the eligible individual

How to apply for CMCHIS?

For offline applications under the Chief Minister’s Comprehensive Health Insurance Scheme, follow the steps given below:

Step 1: Acquire an income certificate from either the Village Administrative Officer or Revenue authorities.

Step 2: Compile all essential documents, including the Aadhar card, ration card, and income certificate, and proceed to the enrollment centre.

Step 3: Submit your documents to the kiosk operator for thorough verification.

Step 4: Furnish your biometric details, including fingerprints, a photograph, and an eye scan.

Step 5: After the verification of your details, the e-card will be issued to you.

What documents are required for CMCHIS?

Given below is the list of documents required to apply for the Chief Minister Health Insurance Scheme:

  • Income certificate
  • Ration card
  • Self-declaration from the head of the family
  • Identity proof
  • Address proof
  • Aadhaar card
  • PAN card (optional)

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What are the exclusions under Amma Health Insurance?

  • Non-residents of Tamil Nadu. 
  • Individuals whose annual income exceeds Rs. 72,000.
  • Individuals not included in the family's ration card are ineligible for this program.
  • Refugees from countries other than Sri Lanka who lack evidence of citizenship and cannot prove to be resident of Tamil Nadu for minimum period of 6 months.
  • Individuals migrating from other states in India without the requisite migration certificates from the appropriate authority and proof of residency less than 6 months.

In conclusion, the Chief Minister's Comprehensive Health Insurance Scheme plays a critical role in providing health coverage to those who cannot afford it. The CMCHIS scheme has increased access to quality healthcare services and financial assistance to those below the poverty line in Tamil Nadu. 

With its comprehensive coverage and accessibility, CMCHIS has helped revolutionize the healthcare system in Tamil Nadu. By providing financial assistance and quality healthcare services, CM’s health insurance scheme has helped those in need with dignity and care.

Frequently asked questions

Who is eligible for CM health insurance?

The Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS) is available for families living below the poverty line (BPL) across the state of Tamil Nadu.

What are the benefits of CM health insurance?

The CM health insurance scheme provides financial assistance for medical expenses of up to Rs. 5 lakh per annum per family. It covers medical expenses for both in-patient and outpatient care across hospitals listed under the scheme.

When was the Chief Minister's Comprehensive Health Insurance Scheme launched?

The Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS) was launched in October 2008 by the then Chief Minister of Tamil Nadu, M. Karunanidhi, to provide health insurance for BPL families in the state.

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