Chief Minister’s Comprehensive Health Insurance Scheme

Listed below are the key features of CMCHIS: 

• Coverage for family members: CM Scheme is a family floater policy where family members whose names appear on the insured's ration card are eligible for availing the benefits of the plan. 
• Cashless Claims: The CMCHIS has a network of 1395 hospitals across Tamil Nadu where policyholders enjoy the benefits of cashless treatment. This essentially means individuals don't have to scurry around for cash in the event of medical emergencies. They can begin treatment and obtain authorization later. However, this should go through in the next 24 hours. 

This also means there is no reimbursement facility under the Amma Health Insurance. 

• Health check-ups: The hospitals included on the Chief Minister's Comprehensive Health Insurance Scheme hospital list provide access to health camps organised once every month. Insured individuals are eligible to avail free-health check-ups and have follow-up treatments done at these camps.
• Coverage for Sri Lankan Refugees: Sri Lankan refugees who are able to produce proof of citizenship can avail coverage under the policy regardless of their income status.
• Customer assistance: The government of Tamil Nadu has provided an active call center to address CMCHIS-related queries customers might have. This helpline is available for assistance 24×7. 
• Quality health care: The policy is designed to provide comprehensive medical coverage to low-income groups by ensuring adequate financial protection. It includes those with annual incomes less than Rs 72,000.
• Sum Insured: The scheme offers a high sum insured of Rs 5 lakh on a family floater basis so insured individuals are able to receive cover for minor health care needs.

• Benefits of the Chief Minister’s Comprehensive Health Insurance scheme are available to residents of Tamil Nadu only. 
• Under the CM insurance, households where the annual is below Rs 72,000 are eligible for coverage.
• Individuals employed in unorganized sectors who have been registered under the labour welfare boards are also eligible to receive coverage under this scheme. 
• The benefits can be extended to family members including the legal spouse, dependent children, and parents. Children are eligible for coverage until they reach 25 years of age or marry, or become employed (whichever happens first).
• In case of family members, their names should be included in the insured's ration card.
• CM insurance is applicable to Srilankan refugees who possess proof of citizenship.
• If citizens have migrated from other states, they should possess authorized migration certificates and have resided in Tamil Nadu for a minimum of six months).
• The CM scheme also includes orphans and rescued girl children regardless of whether they come from registered or unregistered organizations.

The Chief Minister's Comprehensive Health Insurance Scheme excludes civil pensioners, ESI beneficiaries, and government servants. Any household where the annual income is over Rs 72,000 also can not avail the benefits of this scheme. These exemptions extend to family members.

In order to enrol for the Chief Minister’s Comprehensive Health Insurance Scheme, applicants should: 

1. Present their income certificate acquired from the Village Administrative Officer or Revenue authorities.
2. Visit the CM insurance enrollment centre and obtain verification for the documents by the kiosk operator.
3. Provide your biometric details (fingerprints, photo, retina scan).
4. Following this, an e-card will be issued to you.

Here is a list of documents required to enrol in the scheme:

• Income Certificate
• Ration card
• Self-declaration from the family head
• Identity proof
• Address proof

• The government of Tamil Nadu has included corona investigation (RT-PCR Test) and corona treatment in the scheme.
• Under the PMs Garib Kalyan Package, health care workers who die in the line of Covid19 duties are eligible to avail  Rs 50 lakhs in insurance.
• Hospitalisation expenses incurred during treatment are included in the CM scheme.
• The scheme also covers evaluation tests, diagnostic and follow-up procedures. Such procedures are generally excluded from health insurance plans. 
• The scheme also includes dental treatments which fall under outpatient treatments.

Here is a list of critical illnesses that are covered under the Chief Minister’s Comprehensive Health Insurance Scheme:

The Chief Minister's Comprehensive Health Insurance Scheme covers 1395 hospitals in its network across Tamil Nadu. Some of the top hospitals include the Bala Ortho hospital in Tirupur, Kongunad Kidney Center in Coimbatore, Arathana Hospital in Coimbatore, and DNV Ortho Care in Dharmapuri. 

For the complete Chief Minister's Comprehensive Health Insurance Scheme hospital list, visit the insurance scheme's official website or check it out here.