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Home / Health Insurance / Articles / Government Schemes / CMHIS ( Chief Minister Health Insurance Scheme Nagaland ) : Coverages, Steps to apply and How to Renew

CMHIS ( Chief Minister Health Insurance Scheme Nagaland ) : Coverages, Steps to apply and How to Renew

Team AckoFeb 27, 2024

It is difficult for some households to access quality healthcare owing to the financial burden it carries. This is where the government can intervene and introduce insurance schemes that provide the necessary medical care. In Nagaland, the Chief Minister Health Insurance Scheme helps residents to get health care at medical centres without worrying about the financial implications. This article will provide an overview of the Chief Minister Health Insurance Scheme Nagaland, including its eligibility requirements, benefits, and application process for coverage. Read on to learn more

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Contents

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What is the Nagaland Chief Minister Health Insurance Scheme (CMHIS)?

The Chief Minister Health Insurance Scheme is meant for the people of Nagaland. This initiative will be carried out in collaboration with the Central Government's Ayushman Bharat scheme.

The Chief Minister Health Insurance Scheme is an important step toward achieving Nagaland's 2030 Sustainable Development Goal, which was launched in August 2021. This goal strives to guarantee that Nagaland citizens have access to fair, economical, and high-quality medical care by 2030. Any permanent and indigenous residents of the state who are not enrolled in Ayushman Bharat or any other publicly funded insurance programme can be covered under the Chief Minister Health Insurance Scheme.

What are the eligibility criteria for the Nagaland Health Insurance Scheme?

The Chief Minister Health Insurance Scheme is available to all permanent and indigenous residents of Nagaland. They are divided into two categories CMHIS (GEN) and CMHIS (EP).

CMHIS (GEN) include residents who are not enrolled in Ayushman Bharat or any other publicly funded insurance programme. The CMHIS (EP) category can enrol in the program's first phase, the following groups of people are eligible for coverage.

  • State government employees

  • Pensioners

  • Legislators and former legislators

  • Employees in the state-run public sector and other organisations who are entitled to a monthly medical stipend or reimbursement.

What are the benefits of the Chief Minister Health Insurance Scheme Nagaland?

The policyholders will get the following benefits from the Chief Minister Health Insurance Scheme Nagaland.

  • Financial coverage

The scheme provides enrolled families coverage of up to Rs 5 lakhs to cover hospitalisation costs and critical treatments. This high insurance amount aims to fully pay for expensive procedures like cancer surgery, kidney transplants, etc, without the patient having to bear any costs. It provides a safety net against catastrophic health expenses, especially for economically disadvantaged sections.

Since the coverage is on a family floater basis, the total sum insured can be utilised by any or all insured members under a single policy as per their medical requirements. This offers flexibility in providing financial aid as needed by individual family members.

  • Access to high-quality healthcare services

An important objective of the CM's insurance scheme is enabling beneficiaries to avail the best possible medical care for complex conditions at par with more privileged sections of society. It strives to ensure low income or remoteness does not translate into sub-standard healthcare for Nagaland's citizens.

Besides getting quality treatment within the state, tie-ups are being proactively established with reputed hospitals and research centres across India that have excellence in organ transplantation, neurology, oncology, etc. Referral access is provided for advanced treatments not locally available. This pan-India network of specialised healthcare partners ensures patients can get advanced tertiary care services when needed. 

  • Eligibility for other government health schemes

By being enrolled in the Chief Minister Health Insurance Scheme, eligible individuals and their families may also become eligible for other government-funded health schemes, such as the Ayushman Bharat program. This can provide even greater access to healthcare services.

  • Comprehensive healthcare

The scheme intended to provide comprehensive health care services (including preventive care) to the people of Nagaland. This can help to identify and address health issues early on, which can lead to better health outcomes and lower healthcare costs in the long run.

What are the coverages of the Chief Minister Health Insurance Scheme Nagaland?

Here are the coverages of Chief Minister Health Insurance Scheme Nagaland.

1. Medical treatments

The Chief Minister Health Insurance Scheme provides financial coverage for various medical treatments, including hospitalisation, surgeries, and post-surgery care. The coverage is intended to help alleviate the financial burden of high healthcare costs for eligible families.

2. Outpatient treatments

The scheme provides coverage for outpatient treatments such as diagnostic tests and doctor consultations, which are very important to prevent and manage diseases that are very common in a community.

3. Preventive and primary care services

The scheme covers preventive and primary care services. This coverage can help identify and address health issues early on and prevent chronic diseases, which can lower healthcare costs in the long run.

Annual Health Coverage Limits

  1. The cover for general families under the scheme is Rs 5 lakh per family per year. This money can be used by any or all members as per their medical expenses.

  2. For government employee families under the scheme, the cover is Rs 20 lakh per family per year. This higher amount can be used by the family as needed for hospital charges.

  3. Additionally, for government staff, if costs go beyond the covered amount, the additional expenses may also be paid back by the state government on the advice of the Medical Board.

Steps to apply for the Chief Minister Health Insurance Scheme Nagaland

Here is how you can apply for the Chief Minister Health Insurance Scheme Nagaland.

Step 1: Registration

Documents required for the CMHIS

To apply for the CMHIS, you will need to provide the following documents.

  • Proof of residence in Nagaland

  • Identification, such as a driver's licence or passport

  • Any necessary medical records or documents

  • Bank account details (account number, IFSC code, etc.)

  • Other documents as requested

Note: The above list of documents is indicative and may differ from the actual set required for registration.

Mandatory Documents for Enrollment (EP) category

For Pensioners:

  • Valid mobile number

  • The first 3 pages of the Pension Payment Order (PPO) indicate pension details

For Serving Employees:

  • Valid mobile number

  • Personnel Information Management System (PIMS) code

For Dependent Family Members:

  • Proof of relationship like birth certificate, Aadhaar card, etc.

  • Disability certificate for dependents with disabilities

The documents confirm eligibility and dependency linkages with the primary insured member under the scheme.

Step 2: Assessment 

Once your application has been received and processed, you will receive a confirmation of your coverage.

How to renew the coverage of CMHIS

The CMHIS coverage must be renewed annually in order to continue receiving benefits.

Renewal can be done online or in person at a designated enrollment centre. Here is how you can renew the plan.

  • To renew your coverage online, visit the Nagaland government's health insurance website and follow the instructions provided.

  • To renew in person, visit a designated enrollment centre with your current CMHIS card and any necessary documents.

CMHIS ( Chief Minister Health Insurance Scheme Nagaland )  contact details

If you have any questions or need assistance with your CMHIS coverage, you can contact the Nagaland government's health insurance department.

Chief Minister Health Insurance Scheme Nagaland login 

https://cmhis.nagaland.gov.in/

Contact number

14555 

Email ID 

[email protected]

Conclusion

The Chief Minister's Health Insurance Scheme in Nagaland is a groundbreaking effort to give good health coverage to permanent residents of the state. By combining with Ayushman Bharat, the central government scheme, it expands its scope so more people benefit.

The scheme offers robust coverage - hospitalisation, surgeries, outdoor patient treatment, and preventive care. This shows the state's dedication to improving the health and wellness of its people. The wide services covered and the large population targeted highlight Nagaland's aim to make quality healthcare affordable and accessible to all its citizens.

Frequently asked questions

Here are some common questions and answers about the Chief Minister Health Insurance Scheme Nagaland.

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Who is eligible for the Chief Minister Health Insurance Scheme in Nagaland?

All permanent and indigenous residents of Nagaland are eligible, with specific categories for CMHIS (GEN) and (EP). There are two categories:

  • CMHIS (GEN) - For people who don't already have any other free/subsidised government health insurance.

  • CMHIS (EP) - For specific groups like government employees, pensioners who get payments from the state, members of state legislature and similar categories.

What does the CMHIS coverage include?

The CMHIS coverage includes hospitalisation, surgeries, post-surgery care, outpatient treatments, diagnostic tests, doctor consultations, and preventive and primary care services.

How can I apply for CMHIS in Nagaland?

You can apply online through the CMHIS official website or offline by visiting a CMHIS Kiosk. Necessary documents for identification, proof of residence, and medical documents must be provided.

What documents are required to apply for CMHIS?

Required documents include proof of residence in Nagaland, identification such as a driver’s licence or passport, any necessary medical records, and bank account details.

Can I add family members to my CMHIS coverage?

Yes, dependent family members can be covered under the CMHIS. You need to provide their details and necessary documentation during the registration process.

Can I choose my own hospital for treatment?

Yes, under the Chief Minister Health Insurance Scheme Nagaland, you can choose your own hospital for treatment. However, it's important to check if the hospital is part of the scheme's network of empanelled hospitals.

Can I renew my policy after it expires? 

Yes, you can renew your Chief Minister Health Insurance Scheme Nagaland policy after it expires. It's best to check with the insurance provider or the Department of Health and Family Welfare for details on how to renew your policy.

Is there a cap on the sum insured under the scheme?

Yes, the sum insured is capped at Rs. 5 lakhs for CMHIS (GEN) beneficiary families and at Rs. 20 lakhs for CMHIS (EP) beneficiary families.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes.

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