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Home / Health Insurance / Articles / ABDM / ABHA Card / CMAAY: Chief Minister Arogya Arunachal Yojana - Objectives, Benefits & How to Apply?

CMAAY: Chief Minister Arogya Arunachal Yojana - Objectives, Benefits & How to Apply?

TeamAckoMar 13, 2024

Many citizens around the country are unable to obtain medical facilities due to poor financial conditions. This can take a toll on their health. To address the issue, the government of Arunachal Pradesh has now initiated Chief Minister Arogya Arunachal Yojana. In this way, health insurance coverage will be extended to the citizens of the state.

Chief Minister Arogya Arunachal Yojana

With this article, you will get a detailed idea of what CMAAY is, its purpose and function, advantages and eligibility criteria, required documents, application procedure, etc.



The Main Objectives of CMAAY

Chief Minister Arogya Arunachal Yojana’s primary objectives are:

  • To ease the financial strain on state residents seeking medical treatment and hospitalisation

  • To address the state's secondary and tertiary healthcare gaps

  • To ensure that the citizens of the state have access to high-quality healthcare

  • To improve the efficiency, effectiveness, and self-sufficiency of the public health system by facilitating 'claim refund' processes to individual government hospital accounts

  • To provide high-quality healthcare benefits to state employees and their dependents 

Benefits of Chief Minister Arogya Arunachal Yojana (CMAAY)

The following are the primary features of the Chief Minister Arogya Arunachal Yojana (CMAAY):

  • Cashless treatment: The Arunachal Pradesh government intends to provide free treatment to eligible applicants under this health insurance system. Individuals don’t need to pay the entire bill for their treatment under the plan. The state government will fund it.

  • Improvements in the medical field: The CMAAY will assist state agencies in assisting the state's economically disadvantaged citizens and covering health-related costs. The initiative will also push the empanelled hospitals to deliver improved healthcare support.

  • The sum that the state is offering: If a family registers for the Chief Minister Arogya Arunachal Yojana (CMAAY), they can receive health insurance coverage of up to Rs. 5 lakh annually. The recipients of the application will receive Rs. 1 lakh for secondary care and Rs. 4 lakh for tertiary care.

  • Financial assistance: The health insurance plan is intended to provide financial assistance to the state's disadvantaged and tribal people. 

  • Hospitals included in the program's panel: The online medical facility will be provided only at the CMAAY-enlisted empanelled hospitals.

  • Hospitals that are eligible to participate in the system include: The scheme permits all types of hospitals to participate in the CMAAY. In addition to government and trust hospitals, private and semi-private hospitals and charitable medical groups are eligible to participate.

  • Medical treatments covered by the scheme: Distinct treatments are covered by the system and for which candidates can receive cashless treatment.

 Eligibility Criteria to Apply for CMAAY 

The following are the qualifying requirements:

  • The candidate needs to be an Arunachal Pradesh permanent resident.

  • Dependents of government employees may also apply under the CMAAY scheme.

  • Employees of the State Government are eligible to profit from this programme.

  • This initiative will help tribal populations that fall under the authority of Arunachal Pradesh and are registered as scheduled tribes.

  • Non-tribal communities residing in Changlang Lohit and Namsai are eligible to apply for this programme as well.

  • Arunachal Pradesh natives employed by the Central Government or the public sector are not eligible to apply for this programme.

Documents Required for Applying for CMAAY 

The Chief Minister Arogya Arunachal Yojana (CMAAY) application process would require the following documents:

  • Residential proof: This is one of the most essential paperwork for the enrollment process. It is crucial to submit the applicant's evidence of residence because the scheme is location-based, meaning it is only available to residents of Arunachal Pradesh.

  • Aadhaar Card: The applicant's Aadhar card details must be submitted when applying for the plan. The Aadhar of each member of the family is necessary in addition to the primary policyholder's data. 

  • Ration Card: At the time of applying for the plan, the applicant's ration card details must be given.

  • Marriage or birth certificates: Families registered in the programme may be able to add new members. A recently married individual or a newborn child could be the new member. 

  • Government-issued D cards: In the event that the scheme applicant is a government employee, they will need to present their government ID card as proof of employment to the relevant department.

  • Tribal Certificate: Applicants who are enrolled in the Arunachal Pradesh Schedule Tribe (APST) must present this certificate. In this instance, the state government's tribe certificate serves as evidence of their enrollment.

How to Apply for CMAAY?

Here’s the process for CMAAY registration online: 

  1. Go to the CMAAY Official Portal.

  2. Navigate to the bottom of the homepage. Click 'Apply Online' under the "Enrolment" section.

  3. Fill in all mandatory fields on the enrolment form, submit all mandatory documents, and click "Submit."

  4. After successfully enrolling, the beneficiary will be able to download the e-Card.

Offline Application Process for CMAAY

Here are the steps involved in the offline application process:

Step 1: Contact the District Coordinator Station

The district coordinator station at the district court acts as the primary point of contact for enrollment. Enrollment can be done either routinely or in case of emergencies, though routine enrollment is recommended to avoid delays. 

Step 2: Gather Required Documents

Common documents required for enrollment include Aadhar Card, ST Certificate for Arunachal Pradesh ST, APST resident certificate for non-APST residents, and other specific documents depending on the district. Carry these with you when visiting the office. 

Step 3: Wait for Approval

After uploading the scanned documents on the online portal, district verifying authorities approve the enrollment within two working days. Beneficiaries receive SMS notifications regarding the status of their enrollment.

Note: In case of emergency treatment, beneficiaries can get admitted to any hospital within or outside the state. The process for emergency treatment involves initiating pre-authorization through a dedicated emergency telephone number. 

Referral from a government hospital is mandatory for availing benefits under CMAAY, except for certain categories like state government employees posted outside Arunachal Pradesh and students studying outside the state.

Chief Minister Arogya Arunachal Yojana (CMAAY) intends to provide financial assistance to the state's economically disadvantaged tribals so that they can afford healthcare treatments. The plan intends to increase the efficiency of Arunachal Pradesh's healthcare sector. Hopefully, this article has helped to learn the basics of this scheme. 

Frequently Asked Questions (FAQs)

Here are some commonly asked questions relayed to Chief Minister Arogya Arunachal Yojana


Who is eligible to get CMAAY benefits?

CMAAY benefits are available to all Arunachal Pradesh inhabitants, including those from below-poverty-line (BPL) and above-poverty-line (APL) families.

What medical services are covered by CMAAY?

CMAAY covers a comprehensive range of healthcare services, such as hospitalisation, operations, diagnostics, and some outpatient treatments. The scheme's goal is to provide complete coverage for a wide range of medical requirements.

Is there a cost to enrol in CMAAY?

Because CMAAY aspires to provide affordable healthcare to everybody, there is no enrollment fee for beneficiaries. The programme is intended to be both inclusive and financially accessible.

Can existing health insurance policyholders make use of CMAAY?

Individuals with existing health insurance policies can still receive CMAAY benefits. The system is intended to supplement and supplement existing insurance coverage.

What is the CMAAY claim procedure?

The claim process entails providing essential papers to the specified authorities, such as medical bills, prescriptions, and diagnostic findings. Following that, the claim is processed, and appropriate expenses are paid.

Is CMAAY applicable to pre-existing conditions?

Yes, CMAAY covers pre-existing conditions, allowing people who already have health problems to take advantage of the programme.

How many beneficiaries check the status of their CMAAY coverage?

Beneficiaries can check their CMAAY coverage status by visiting the specified enrollment centres or the official CMAAY webpage. The unique identification obtained upon enrolling can be used to verify the status. 


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