The Chief Minister Health Insurance Scheme (CMHIS) is a flagship health protection initiative of the Government of Nagaland. Launched on 14 October 2022, CMHIS aims to ease the financial burden of hospitalization expenses, ensure affordable access to quality healthcare for all eligible citizens of Nagaland, and, in general, help move the state towards its sustainable development goal of universal health coverage by 2030.
The scheme operates in convergence with the Ayushman Bharat ‑ Pradhan Mantri Jan Arogya Yojana (AB‑PMJAY), meaning many benefit packages, empanelled hospitals, and service standards are aligned.
Benefits & Coverage Of Chief Minister Health Insurance Scheme:
Table of Contents
The benefits and coverage of the Chief Minister Health Insurance Scheme are…
Benefits of Chief Minister Health Insurance Scheme:
CMHIS is a state-run health insurance scheme by the Government of Nagaland. It aims to provide free, cashless treatment to eligible citizens, reducing out-of-pocket expenses. The scheme converges with Ayushman Bharat – PMJAY for broader coverage and nationwide access.
Two Main Beneficiary Categories:
CMHIS (GEN) – General Category
- For indigenous inhabitants or permanent residents of Nagaland.
- Covers those not already enrolled under AB-PMJAY or other government insurance.
- Also includes non-government staff, ad-hoc/contractual workers, etc.
- Coverage: ₹5 lakh per family per year (floater basis).
CMHIS (EP) – Employees & Pensioners Category
- Includes regular government employees, pensioners, ex-legislators, etc.
- Also covers their legal dependents.
- Coverage: ₹20 lakh per family per year (floater), including top-up cover.
- Packages are aligned with CGHS standards for better hospital care.
What is Covered in Chief Minister Health Insurance Scheme:
Hospitalization Expenses
- Cashless coverage for all eligible inpatient treatments.
- Includes both government and private empanelled hospitals across India.
Day-care Procedures
- Covers treatments that do not require a 24-hour hospital stay.
- Useful for minor surgeries, therapies, and advanced diagnostics.
Pre-existing Diseases
- All existing health conditions are covered from day one.
- No waiting period required.
Family Floater Cover
- The sum insured (₹5L or ₹20L) can be used by any family member.
- No cap on individual usage within the family limit.
Nationwide Treatment
- Beneficiaries can receive treatment in empanelled hospitals across India under CMHIS/AB-PMJAY.
Broad Package Inclusion
More than 1,950 medical and surgical procedures are covered under the scheme.
Includes cardiology, nephrology, oncology, orthopedics, etc.
Digital & Paperless Process
- Aadhaar-based biometric authentication for fast and secure processing.
- Paperless registration and verification at hospitals.
What is Not Covered:
- Out-Patient Department (OPD) services: Routine doctor consultations without admission are not covered.
- Standalone Diagnostic Tests: Tests done without being tied to hospitalization or day-care are excluded.
- Cosmetic & Non-essential Treatments: Cosmetic surgery, fertility treatments, etc., are typically excluded.
How to Apply For the Chief Minister Health Insurance Scheme:
If you are eligible, here’s the process to apply under the Chief Minister Health Insurance Scheme:
Check Your Eligibility:
Determine whether you fall under the EP (employee/pensioner) or General (GEN) category. Check whether you are already covered under AB‑PMJAY or another government health insurance scheme, as overlapping coverage may affect eligibility.
Gather Required Documents:
Documents needed typically include:
- Aadhar Card (or other identity proof)
- Indigenous Inhabitant Certificate OR Permanent Resident Certificate of Nagaland
- Dependent proof documents (e.g., birth certificate, marriage certificate, or disability certificate) for registering dependents.
- For employees/pensioners, often employee ID, pension documents, PIMS code, PPO (Pension Payment Order), etc., for the EP category.
Registration/Enrollment:
You can register either:
Online (self‑registration) via the official CMHIS portal: cmhis.nagaland.gov.in
At designated Registration Centres, which include Primary Health Centres (PHCs), Community Health Centres (CHCs) empanelled under AB‑PMJAY CMHIS, partner agencies, district/sub‑division offices, or private hospitals that are designated registration centres.
During outreach camps/welfare scheme camps, registration facilities are provided locally.
Submit Form & Documents:
Provide the required identity documents, proof of residence/permanent residency, dependent details, and any special category documents. The registration centre verifies the information.
Receive Confirmation/Household ID:
Once the registration is accepted, beneficiaries/families get a “Household ID” or Chief Minister Health Insurance Scheme e‑Card (health insurance card). This enables them to access cashless hospitalization in empanelled hospitals.
Use the Card/Benefit:
When hospitalization or a daycare procedure is needed, you present your Chief Minister Health Insurance Scheme card / Household ID at an empanelled hospital. Treatment is cashless (within the sum insured and package rates). Ensure the hospital is part of the CMHIS/AB-PMJAY empanelled list.
Verification/Renewal (if any):
There may be periodic verification of eligibility, dependent status, etc. Keep documents updated. If you change from the GEN to the EP category (or vice versa), the registration may need to be updated.
FAQs:
Q. Who is eligible under CMHIS (GEN)?
A. Indigenous inhabitants or permanent residents of Nagaland who are not already beneficiaries under AB‑PMJAY or any other government health insurance scheme, and who are not in the EP category (government employees/pensioners, etc.). Also, non‑dependent family members of the EP category, contractual/ad hoc employees, etc.
Q. Who is eligible under CMHIS (EP)?
A. Government employees (regular, public sector, etc.), pensioners, including ex‑legislators, serving legislators, and their dependents.
Q. What if I am already covered under AB‑PMJAY?
A. If you are covered under AB‑PMJAY, you cannot have a separate Chief Minister Health Insurance Scheme (GEN) membership. You can only shift categories if you first disable or surrender your AB‑PMJAY card and follow the procedure to exit that scheme (if applicable) and enroll under CMHIS (if eligible) under another category.
Q. Is OPD or a standalone diagnostic test covered?
A. No. OPD services and standalone diagnostic investigations (outside hospitalization/daycare) are not covered. Chief Minister Health Insurance Scheme covers only hospitalization & daycare procedures.
Q. Are pre‑existing conditions covered?
A. Yes — from day one of registration. Govt Schemes India
Q. How much coverage do I get under each category?
A. CMHIS (GEN): ₹ 5,00,000 per family per year.
CMHIS (EP): ₹ 20,00,000 per family per year.
Q. Which hospitals can I get treatment in?
A. Any hospital that is empanelled under CMHIS / AB‑PMJAY in India. Before seeking treatment, verify that the hospital is in the list of empanelled hospitals via the CMHIS website.
Q. What documents do I need?
A. Identity proof (Aadhar), indigenous or permanent resident certificate, dependent proofs for dependents, and, for the EP category, additional govt employment/pension documents.
Q. Is there a fee or premium I need to pay?
A. No fee is charged from beneficiaries for registration or treatment under this scheme. It is a government‑funded insurance scheme.
Q. How to register if I don’t have internet access / not comfortable online?
A. You can go to designated registration centres: PHCs, CHCs, district offices, or outreach camps where registration is made available.
Q. What happens if my family’s eligibility changes (job, residency, etc.)?
A. You should update your status/dependents at registration centres or via the online portal if that feature is enabled. The scheme expects proper updates to avoid misuse.