The Chief Minister’s Comprehensive Health Insurance Scheme is a positive move towards providing world-class health care to millions of people in the south Indian state of Tamil Nadu. The scheme is proving to be a success with more than 65% of the state’s population enrolled under health insurance.

CMCHIS – Chief Minister’s Comprehensive Health Insurance Scheme (Amma Health Insurance) - Acko

This article lists various details about Amma Health Insurance. Read on to know more about the scheme.

What Is CM’s Health Insurance Scheme (CMCHIS)?

The Amma Health Insurance scheme is designed for underprivileged families that have low annual income. With the “Amma Maruthuva Kapitu Thittam”, they do not have to go through a financial struggle at the time of a medical emergency. This TN CM Insurance Scheme offers coverage to the entire family with the help of cashless facilities.

What Is Covered Under CMCHIS (Amma Health Insurance)?

Amma health insurance plan offers financial aid when a medical emergency strikes. With this health insurance plan, a beneficiary can avail the following coverage:

1. Hospitalization:

The cost of availing treatment at an empanelled hospital is covered. However, the treatment should be specified in the list of allowed medical procedures under Amma Health Insurance.

2. Diagnostic Procedures:

The cost of hospitalization takes up a large chunk of money during a medical emergency. However, a considerable amount of money is also required for diagnostic tests. These procedures are covered under the plan.

3. Follow-up Treatments:

Usually, follow-up is not covered under a commercial health insurance plan. But this coverage is offered under Amma Kapitu Thittam. This reduces the financial burden of medical treatments even further.

Features Of Chief Minister Comprehensive Health Insurance Scheme:

This is a useful health insurance plan with the following features:

1. Family-floater Plan:

Amma health insurance is a family-floater type of health insurance plan. All the registered members of an eligible family can avail health insurance benefits under this plan. One does not have to worry about future medical emergencies when covered under the TN CM Insurance Scheme.

2. Cashless Claims:

The beneficiaries of this health insurance plan do not have to pay money while availing treatment at an empanelled hospital. This is a huge benefit for the beneficiary as he/she does not have to think about arranging money for treatment. They can focus their attention on the well-being of the patient.

3. Frequent Heath Camps:

Empanelled hospitals are instructed to organize health camps at least once a month. The beneficiary can get free check-ups and follow-up treatments frequently.

4. Coverage for Sri Lankan refugees:

There is no cap on the income of a Sri Lankan refugee to enrol under Amma Health Insurance. He/she can thus avail seamless healthcare at the desired centre.

5. 24×7 Assistance:

An active call centre has been set up to answer various queries regarding Amma Health Insurance. If a person faces any problem related to the health insurance being offered, they can easily seek a solution.

Benefits Of Amma Health Insurance (CM’s Health Insurance Scheme):

The following benefits can be availed by enrolling under CMCHIS:

1. Coverage For Medical Emergencies:

Some families are not financially equipped to handle a medical emergency due to the increasing costs of healthcare treatments in India. The Amma Health Insurance plan is a step towards eliminating this hurdle and giving access to high-end medical treatments.

2. A Huge Number Of Network Hospitals:

A large number of hospitals are empanelled to give service under Amma Health Insurance. This is beneficial for people because they can reach a medical facility faster. Thus, ensuring treatment at the right time in an emergency situation.

3. Multiple Treatments Are Covered:

Numerous treatments are offered under Amma Health Insurance. This reduces the chances of beneficiaries paying money from their pocket. They can avail any treatment that is covered under the policy free of cost.

4. High Sum Insured:

CMCHIS provides high coverage of 5 lakh rupees to each family for every policy year. This amount of sum insured seems sufficient to avail most of the minor health treatments. 

5. Additional Coverages:

A typical health insurance policy does not always provide coverage for follow-up treatments or diagnostic procedures. However, these are covered under Amma Health Insurance. Thus, one does not have to spend extra money on carrying out follow-up treatments or diagnostic procedures.

Diseases And Treatments Covered Under CM’s Health Insurance Scheme:

A large number of treatments are covered for various diseases under this health insurance plan. Here is the list of medical procedures that are covered under the plan.

Bariatric surgeryObstetric surgeryNeurosurgeryRadiation oncology
CardiologyHematologyOFMSRheumatology
Cardiothoracic surgeriesHepatologyOphthalmology surgeriesSpine
DermatologyInfectious diseasesOrthopedic traumaStemi
ENTInterventional cardiologyPaediatric intensive careSurgical gastroenterology
Endocrine surgeryInterventional radiologyPaediatric surgeriesSurgical oncology
Endocrinology (follow up procedure)Medical oncologyPaediatrics plastic surgeryThoracic medicine
GastroenterologyNeonatologyPMRVascular surgeries
Genitourinary surgeryNephrologyPsychiatry
GynaecologyNeurologyPulmonology
List of Treatments or Medical Specialities Under CMCHIS Plan

Eligibility Criteria For CM’s Health Insurance:

The Chief Minister’s Comprehensive Health Insurance Scheme is created for underprivileged families that may not receive the required health care facilities that a person requires. A person willing to enrol under this plan should strictly fulfil the eligibility criteria. Here are the conditions:

  • The family should be residents of Tamil Nadu.
  • Annual income should be less than Rs.72, 000/- per annum.
  • The member should be mentioned in the ration card of the family.
  • The applicant may be a Srilankan refugee with proof of citizenship.
  • Migrants from other Indian states who carry migration certificates from the suitable authority (they should reside in Tamil Nadu for at least six months).
  • Orphans/Rescued girl children from any registered/unregistered organization.

How To Enroll In Chief Minister’s Comprehensive Health Insurance Scheme?

The enrollment process for CMCHIS is not complicated. It can be done rapidly if the applicant has all the required documents in place. The documents are also easy to fetch. Here are the steps for enrollment:

  1. Acquire an income certificate from the Village Administrative Officer/Revenue authorities.
  2. Carry all the required documents to the enrollment centre.
  3. Get the documents verified by the kiosk operator.
  4. Next, your biometric details like fingerprints, photograph, eye scan, etc. will be captured.
  5. After verification and biometric scanning, your e-card will be issued.

Documents Required To Apply To CM’s Health Insurance:

Mainly the following things are required to apply for the CM’s health insurance policy:

  1. Income Certificate
  2. Ration Card (a copy and original both)
  3. Self-declaration from the head of the family

One should also carry the following documents at the time of enrollment

  • Proof of identity
  • Address proof
  • Aadhar card
  • Pan card

Also, read: Do’s and Don’ts of Buying Health Insurance Policy

How To Link An Aadhaar Card With A URN?

Sometimes it may happen that the Aadhar card of the beneficiary was not linked to the provided URN at the time of enrollment. This is not a major cause of concern as one can easily link their Aadhar card with the URN number of CMCHIS. Here are the steps.

  1. Visit CMCHIS official website
  2. Click on Beneficiary
  3. Click on LINK AADHAAR to URN

You will be redirected to this page.

  1. Enter the URN number in the box 
  2. Click the checkbox to select the option for linking your Aadhar card to URN
  3. Click on Enroll Now
  4. Select the family member from the list of beneficiaries
  5. Enter the mobile number that is linked to the Aadhar card of that family member
  6. Enter Aadhar Number
  7. Click Submit
  8. Enter the received OTP

After successful registration, you will see a message that says “Your Aadhar number registered successfully.” If your Aadhar number was already linked, you will see this message – “Already Registered.”

Amma Kapitu Thittam Card Download:

The smart card is issued at the time of enrollment. In case a beneficiary loses their card, they can easily download the Maruthuva Kapitu Thittam Card online. Here are the steps for Tamil Nadu Government Maruthuva Kapitu Thittam Card Download:

  1. Visit this page to complete Chief Minister Health Insurance Smart Card Download
  2. Enter the beneficiary’s details with along with URN or ration card number
  3. Click on ‘Generate e-card’ 

Your e-card is now ready. To end the Tamil Nadu government health insurance card download process, you need to save the generated e-card. You can use the Maruthuva Kapitu Thittam ID card downloaded file in case of a medical emergency.

How To Download CM Health Insurance Application Form?

One does not need to apply separately with the help of a CM Health Insurance Application Form PDF. An eligible person should simply visit the enrollment centre with the required documents. The beneficiary can use the smart card during a medical emergency after the enrollment process is complete.

Period Covered & Maximum Limit:

The policy period of the Amma Health Insurance scheme is one year after which the policyholder needs to get the policy renewed. 

The maximum limit of this policy is 5 lakh rupees. This amount can be used by all registered family members to avail treatment for ailments/diseases listed under the policy.

How To Search CMCHIS Member ID?

The beneficiary of CMCHIS needs to at least have either the URN number or ration card number to search the member ID. Here are the steps to search member ID:

  1. Visit CMCHIS website. It is the official website of Amma health insurance.
  2. Click on beneficiary.
  3. You will see a list that contains links for Member search/ e-card and Member ID.
  4. Click on the desired option. 
  5. You will see a page that asks for relevant information regarding URN number and other details.
  6. Fill the form and click on ‘Search.’
  7. The result for corresponding member ID will be displayed.

Also, read: Arogya Sanjeevani Policy

Beneficiary’s Minimum Electronic Medical Records:

To access the minimum electronic medical records of the beneficiary use the following steps:

  1. Visit Claims section at CMCHIS website
  2. Click on Beneficiary
  3. Click on Minimal Health Record

You will be redirected to this page. Here you will see a form for accessing the medical records. Fill the following fields in the box provided on the right side of the screen:

FieldsExplanation
Enter your Smart Card URN Number /Please enter your unique ID numberURN number is printed on the smart card. It is also available on the e-card
Enter your Mobile Number /Please enter your mobile numberUse the mobile number that was used for enrolling under the Amma Health Insurance Scheme.
Enter Captcha ImageYou will see an image on the right side of your screen. This image contains a combination of letters and numbers. If the Captcha image is not clear, you can click the refresh button and a new image will appear. Enter the letters and numbers in the box.
Enter your OTP Number   You will receive a One Time Password on your registered mobile number. Enter that in the box.

Now you will see the available medical records.

How To Claim CMCHIS?

A wide number of hospitals are empanelled to serve under Amma Health Insurance scheme. The nature of a claim will mostly be cashless. It means that the beneficiary might not need to pay the hospital bill from their pocket. 

During a medical emergency, the beneficiary should produce the Maruthuva Kapitu Thittam Card or the smart card to the hospital. A beneficiary receives this card at the time of enrollment under the Amma Health Insurance. The hospital authorities will send the related information to the Third Party Administrator (TPA) or insurance company. 

The CMCHIS claim amount will be settled directly between the hospital and the insurance company. Usually, no additional intervention from the beneficiary is required. 

CMCHIS Package List:

An array of procedures is covered under the Amma Health Insurance plan. You can access the complete list by visiting this page.

Chief Minister Comprehensive Health Insurance Scheme Hospital List:

In order to provide quick and seamless healthcare facilities, the Amma Health insurance plan has a large network of empanelled hospitals. The hospital list is available at www.cmchistn.com/hospitalList.php.

Hospital IDHospital NameDistrict/City NameScoreGrade
1Agarwals Eye Hospital, HosurKrishnagiri14S2
2Apollo Children'S HospitalChennai41S1
3Cancer Institute Adyar, Chennai - TN.Chennai51S1
5Dr Agarwal Eye HospitalChennai41S1
9Kkr Ent Hospital And Institute, Chennai - TN.Chennai54S1
10M N Eye HospitalChennai46S1
12Medical Research Foundation (Sankara Nethralaya)Chennai56S1
14Radhatri Nethralaya T Nagar, Chennai - TN.Chennai26S2
15Dr Rai Memorial Cancer Institute, Chennai - TN.Chennai53S1
18Sankara Eye Hospital,Kancheepuram - TN.Kancheepuram21S2
20Thalessemia Welfare Hospital, Chennai - TN.Chennai1S2
23Vasantha Subramanian Hospital Pvt LtdChennai51S1
24Aravind Eye HospitalCoimbatore51S1
25Coimbatore Bone & Joint Foundation (P) LtdCoimbatore23S2
26Lotus Eye CareCoimbatore41S1
27Rex Ortho HospitalCoimbatore68S1
28Sankara Eye HospitalCoimbatore53S1
29Sindhia Ortho ClinicCoimbatore39S2
30Eye Foundation LtdCoimbatore44S1
31Vikram Ent Hospital And Research InstituteCoimbatore0S2
32Abhirami HospitalCuddalore28S2
1184Jc Ganesan HospitalMadurai23.5S2
35Dnv Ortho CareDharmapuri73S1
36Dr Agarwal'S Eye Care HospitalDharmapuri0S2
37Vasan Eye CareDharmapuri21S2
39Acchutha Eye CareErode41S1
40Dr Agarwal'S Eye HospitalErode10S2
41Annai Ent And Head & Neck Care CentreErode38S2
42Arasan Eye HospitalErode45S1
43Erode Kidneys CenterErode63S1
44Erode Ortho CentreErode44S1
45Kalyani Kidney Care CentreErode64S1
46Scs HospitalErode34S2
47Udayam HospitalErode18S2
49Parvathy Ortho Hospital Pvt LtdKancheepuram62S1
50Bejansingh Eye Hospital (P) LtdKanyakumari43S1
51Dr. Isaac Bone & Joint Speciality HospitalKanyakumari53.33S1
53Aarthy Eye HospitalKarur38S2
54Abishek Ortho CenterKarur44S1
55Velan Eye Hosptial Covai Road, Karur - TN.Karur29S2
56Dr Agarwal Eye HospitalKrishnagiri0S2
57Vasan Eye Care Hospital,HosurKrishnagiri9S2
58Aravind Eye HospitalMadurai42S1
59Dr Agarwal Eye HospitalMadurai16S2
60Santhya HospitalMadurai21S2
61Srivatsav Healthcare Raksha HospitalsMadurai32S2
63Ram Bone And Joint Hospial, Nagapattinam - TN.Nagapattinam11S2
67Aravind Eye HospitalCuddalore43S1
69Dr Agarwals Eye HospitalSalem33S2
70Padmini Urology ClinicSivagangai56S1
75S B HospitalThanjavur29S2
76Thanjavoor Cancer HospitalThanjavur20S2
77Aravind Eye HospitalTheni17S2
78Rohan Sekar HospitalTheni51S1
80Vee Care EyeThiruvallur14S2
81Sri Ramanamaharishi Eye Hosp, Thiruvannamalai - TN.Thiruvannamalai33S2
82Vivekananda Eye HospitalThiruvannamalai30S2
83Aravind Eye HospitalTirunelveli48S1
84Dr Agarwal Eye HospitalTirunelveli21S2
85Subramanian Nursing HomeTirunelveli21S2
87Lotus Eyecare HospitalTirupur34S2
88The Eye FoundationTirupur41S1
89A G Eye HospitalTrichy42S1
90Athreya Retinal Center Drvas HospitaltrichyTrichy41S1
92Mahatma Eye HospitalthennurtrichyTrichy41S1
93Vasan Eye Careannamalai NagartrichyTrichy14S2
94Dr.Agarwals Eye HospitalVellore27S2
96Shakthi Eye HospitalVirudhunagar11S2
888Egmore Eye Hospital - GovtChennaiNAA1
168Shri Gangadhareshwarar Health ServicesKancheepuram43S1
169Tanker Foundation Dialysis Centre, Thiruvallur - TN.Thiruvallur10S2
189Arathana HospitalCoimbatore68S1
1232Sathyam Kidney Care CentreCoimbatore23S2
199Gem Hospital & Research Centre (P) LtdCoimbatore49S1
1081Dr.Sasi Eye Care Hospital, Swarnapuri, Salem - TN.Salem17S2
1083Kongunad Kidney Centre, Tatabad, Coimbatore - TN.Coimbatore60S1
1084Tanker Foundation, Sathuvachari, Vellore - TN.Vellore8S2
1217Dr Anil Kumar Eye Hospital, Virudhunagar - TN.Virudhunagar29S2
1212Balamurugan Ortho Hospital, Villupuram - TN.Villupuram11S2
1213Dr. Agarwals Eye Hospital,Villupuram - TN.Villupuram7S2
1216Annai Dialysis Centre, Virudhunagar - TN.Virudhunagar11S2
1211Tanker Foudn Dialysis,Tiruverkadu, Thiruvallur - TN.Thiruvallur11S2
270City Hospital,Dindigul - TN.Dindigul43.33S1
1052Dr Arvind Vision Care, Thiruvallur - TN.Thiruvallur34S2
1044Public Welfare HospitalTuticorin18S2
288Bharani Paventhan Multispeciality HospitalErode43S1
293Dr.Loganathan Orthopaedic HospitalErode54S1
898Bright HospitalMadurai54S1
296Erode Cancer CentreErode22S2
307Kumarasamy HospitalErode45S1
308Lkm HospitalErode27S2
1165Dr Agarwal Eye Hospitalthillai Nagar TrichyTrichy24S2
1275Kongu Hospital, PerunduraiErode17S2
1172Harshmitra Super Speciality Cancer Centre,TrichyTrichy18S2
1071Shree Vetrivel HospitalCoimbatore37S2
1072Mcv Memorial Ent Trust HospitalCoimbatore9S2
1065Van Allen Hospital,Dindigul - TN.Dindigul14S2
433Bala Ortho HospitalTirupur55S1
1279Shri Andavar Eye Care And Retina CentreCoimbatore22S2
1281Aravind Eye HospitalThiruvallur47S1
1282Rathna Medical CentreTrichy40S2
1283Dr.Malas HospitalTrichy52S1
509Dr. Muthus HospitalCoimbatore49S1
519Global Medical CenterSalem68S1
1148Ranm Malathy Vijayakumar HospitalErode22S2
1149Jothi Laser Eye HospitalDharmapuri18S2
1152Eye Care Clinic Nursing HomeVellore7S2
1153Srinivasa Specialty HospitalKrishnagiri19S2
536Rishi Nethralaya Eye HospitalSalem26S2
538Salem Gopi HospitalsSalem56S1
547Sree Vasantham HospitalSalem43S1
900Regional Cancer CenterKanyakumari
571Kdr HospitalThanjavur22S2
822Nehru Urology CentreCoimbatore54S1
1173Ponnammal Duraisamy Eye HospitalCoimbatore27S2
866Arcot Dialysis CentreVellore3S2
644Ars HospitalsTirupur55S1
1202Kathir Eye Hospital, Namakkal, - TN.Namakkal9S2
1208Theni Kids And Kidney Center, Theni - TN.Theni22S2
1191Sri Ramachandra Eye HospitalMadurai10S2
1192Sri Krishna Eye HospitalPudukottai0
660Priya Orthopaedic CenterTirupur39S2
1174Madurai Eye CentreCoimbatore25S2
1043Dr Agarwal Eye Hospital,Kk NagarMadurai7S2
862Sathyan Eye Care Hospital & Coimbatore GlaucomaCoimbatore34S2
813Sri Ramakrishna Hospital,Virudhunagar - TN.Virudhunagar17S2
762Drrai Cbcc Oncologyservices Pvt Ltd Thiruvallur- TN.Thiruvallur17S2
781A R Ortho Hospital, PollachiCoimbatore46S1
782Madras Ent Research Foundation,Chennai - TN.Chennai41S1
784Tanker FoundationMadurai16S2
789Joseph Eye HospitalTrichy53S1
1040Sri Balaji HospitalErode53S1
834Graham Clinic,Sivakasi, Virudhunagar - TN.Virudhunagar12S2
846Srivatsav Raksha HospitalsDindigul34A6
847Dr Suresh Eye ClinicKanyakumari42S1
848Manuel Orthopaedic HospitalKanyakumari55A4
849Amrish Oncology Services Pvt LtdTiruchirapalli9S2
850KimsKanyakumari3S2
903Raj Hospital, Tiruvannamalai - TN.Tiruvannamalai40S2
909Adhithya Nursing Home, Namakkal, - TN.Namakkal6S2
913Mathi Cardiac CentreVirudhunagar60S1
914Chandra Nursing Home, Namakkal - TN.Namakkal26S2
931Raj Ortho HospitalKarur45S1
933Krishna Cancer Institute Unit Of KhrfCuddalore25S2
937Lotus Eye Hospital, MettuppalayamCoimbatore34S2
938One Care Medical CentreCoimbatore39S2
942L.V.S Eye HospitalErode37S2
943Ms Children'S HospitalErode41S1
944Ortho Life HospitalErode37S2
950S.K HospitalErode37S2
951Shri Vijaiah Traumacare HospitalsErode32S2
952Tpn HospitalErode56S1
954Sbs HospitalKrishnagiri37S2
955Abhi Eye HospitalSalem32S2
964Dsk HospitaleTirupur44S1
965Kongu Heart CentreTirupur42S1
973National HospitalErode52S1
975Usha Nursing HomeVellore34S2
981Abirami Kidney CentreErode42S1
983Sri Rajan Ortho HospitalMadurai44S1
1012Dr Arvind Vision CareThanjavur17S2
1013Puducherry Cancer Trust Hospital & Research CentreCuddalore42.5S1
1014Kt Hospital,Dindigul.Dindigul56.66S1
1015Karur Kidney Care HospitalKarur13S2
1016Gowsri Kidney CentreMadurai23S2
1017Madurai Kidney CentreMadurai44S1
1018Vijayalakshme Eye HospitalTrichy30S2
1019Abhiman Kidney CentremaduraiMadurai16S2
1020Sri Suba Kowsik HospitalSivagangai4S2
1027Umarani HospitalKrishnagiri27S2
1305Drr Eye Care Oculoplasty HospitalThiruvallur28S2
1308Jyoshna Hospital, Cuddalore,- TN.Cuddalore0S2
1309Sr Ent Clinic, Cuddalore, - TN.Cuddalore3S2
1313Eswar Hospital, Ramanathapuram, - TN.Ramanathapuram0S2
1315Prema Clinic, Ramanathapuram, - TN.Ramanathapuram3S2
1342Melvin Jones Lions Chart. Dialysis, Kanchipuram - TN.Kancheepuram6S2
1318Nachimuthu HospitalKarur39S2
1319Chennai Urology And Robotics InstKancheepuram47S1
1337Silverline Speciality HospitalTrichy47S1
1352Nathans Speciality HospitalKrishnagiri29.5S2
1353Aravind Eye HospitalSalem28S2

CMCHIS Toll-free Number And Address:

Chief Minister’s Comprehensive Health Insurance Scheme is a state-government project that strives to remain approachable in all senses. To ensure transparency and least trouble, various contact details are made available to the general public. Here is a list of contacts that will help you resolve queries.

Toll-Free number: 1800-425-3993

In case you are having difficulty getting in touch with a call centre operative you can use the following contact numbers

  • 7373004267
  • 7373004924
  • 7373002566

For queries or grievances use the following addresses:

Email:

Address:

  • The Project Director
  • Tamil Nadu Health Systems Project (TNHSP)
  • 3rd Floor, DMS Annex New Building
  • 259 Anna Salai, Teynampet
  • Chennai – 600 006, Tamil Nadu.
  • CMCHIS Project Office
  • Chief Minister’s Comprehensive Health Insurance Scheme
  • No.226, Om Sakthi Towers,
  • Kilpauk Garden Road, Kilpauk,
  • Chennai-600010, Tamil Nadu

Contact information of Chief Medical Officers:

DistrictMedical OfficerContact NumberEmail Address
Ariyalur, Coimbatore, Erode, Krishnagiri, Nagapattinam, Perambalur, Salem, The Nilgiris, Tiruppur, Tiruvarur, Vellore, VillupuramDr.Prem Sagar7373004648 / 9840197538drprem
@vidalhealthtpa.com
Chennai, Dindigul, Kancheepuram, Karur, Namakkal, Sivagangai, Theni, Tiruchirapalli, Tiruvallur, Virudhunagar,Dr.Eyeshwarya raj7373005037esraj
@mdindia.com
Cuddalore, Dharmapuri, Kanyakumari, Madurai, Pudukottai, Ramanathapuram, Thanjavur, Tirunelveli, Tiruvannamalai, TuticorinDr.Sree Ganesh7373004372 / 9840329081ganesh.balachandran
@mediassistindia.com

Frequently Asked Questions:

Which family members are eligible to enrol under CMCHIS?

The following members of a family with an annual income of less than 72 thousand rupees can enrol under the scheme:
>Head of the family
>Legal spouse
>Children of the eligible person
>Dependant parents

Are reimbursement claims allowed under Amma Health Insurance?

No, only cashless claims can be availed at an empanelled hospital. This is to reduce the financial burden on the beneficiary of the health insurance plan.

What if the head of the family is not present at the time of enrollment?

If the head of the family is not present at the time of enrollment, the spouse is considered as the head. The enrollment process is still carried out for all family members present.

Are dental treatments included in CMCHIS?

Yes, various types of dental treatments are covered under CMCHIS. Dental procedures come under outpatient treatments.

Is abdominal hysterectomy listed in CMCHIS?

Yes, a beneficiary of Amma Health Insurance plan can undergo abdominal hysterectomy for both benign and malignant conditions. These costs will be covered under the plan.

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