CMHISN

Launched on 16th October 2022, the scheme "Chief Minister Health Insurance Scheme (CMHIS)" is a Public Health Insurance Scheme by the Health and Family Welfare Department, Government of Nagaland. This scheme provides cashless treatment up to ₹20 lakhs for employees and pensioners and ₹5 lakhs.

Launched on 16th October 2022, the scheme "Chief Minister Health Insurance Scheme (CMHIS)" is a Public Health Insurance Scheme by the Health and Family Welfare Department, Government of Nagaland. This scheme provides cashless treatment up to ₹20 lakhs for employees and pensioners and ₹5 lakhs for the general category, covering inpatient and specific daycare procedures in empanelled hospitals across India.

The applications are accepted through Primary Health Centres (PHCs), Community Health Centres (CHCs), District and Sub-division Treasury Offices, outreach camps, and designated private hospitals.

The scheme is being implemented by the Department of Health and Family Welfare, Government of Nagaland.

Eligibility

The Chief Minister Health Insurance Scheme is available to all permanent and indigenous residents of Nagaland. They are divided into two categories:

1. For CMHIS (EP):

• The applicant should be a government employee, pensioner, or dependent family member.
• The applicant should possess valid supporting documents such as the PIMS Code, PPO book, Aadhaar card, and certificates for dependents.

2. For CMHIS (GC):

• The applicant should be an Indigenous Inhabitant or Permanent Resident of Nagaland not covered under AB PM-JAY.
• The applicant should possess an Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC) issued after 2016, along with an Aadhaar card and valid mobile number.

All beneficiaries of the scheme are entitled to free and cashless hospitalization care for various ailments including pre-existing conditions/diseases, which can be availed from any empanelled hospital across the country. The treatment will include both surgical and medical procedures and limited day-care packages. However, OPD services and standalone diagnostics investigations will not be covered.

• CMHIS (GEN) beneficiaries will be entitled to more than 1950 medical and surgical packages across 27 major clinical specialties as well as entitlement to General Ward, similar to AB PM-JAY.
• CMHIS (EP) beneficiaries will be entitled similar to that available for central government employees under the Central Government Health Scheme (CGHS) as well as differential room entitlement as per their employee grade.

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Annual Risk Cover/ Sum Insured per family:

• For CMHIS (GEN) beneficiary families, the Sum Insured is ₹ 5,00,000/- (Rupees Five Lakhs Only) per family per annum on a family floater basis, similar to AB PM-JAY.
• For CMHIS (EP) beneficiary families, the Sum Insured is ₹ 20,00,000/- (Rupees Twenty Lakhs Only) per family per annum on a family floater basis.
• Further, for Government employees, any additional expenses beyond the sum insured shall be reimbursed on a case-to-case basis by the State government on recommendation of the State Medical Board.