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Chief Minister's Comprehensive Health Insurance Scheme

Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS) offers mass health insurance in the state of Tamil Nadu to underprivileged families that have less annual income. The scheme helps families avail of cashless healthcare treatment at the time of medical emergency at the network hospital. It covers expenses related to hospitalisation, diagnostic procedures, and follow-up treatments.

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Chief Minister's Comprehensive Health Insurance Scheme

Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) is launched by the Government of Tamil Nadu through United India Insurance Company Ltd, a public sector insurance company headquartered in Chennai. Also known as Amma Health Insurance, the scheme is designed to provide quality healthcare facilities to underprivileged families falling in the low-income group category. The eligible persons insured under the scheme can avail cashless treatment at empanelled government and private hospitals thereby reducing their financial burden at the time of emergency. The scheme will help the enrolled families to move towards universal health insurance coverage by effectively linking with the public health system.

This TN CM Insurance Scheme comes with the following features:

  • Family Floater Plan: CMCHIS is a family floater health insurance policy. All the registered members of the eligible family can avail themselves of benefits under it. Being covered under the scheme keeps the pol stress-free.
  • Cashless Claims: The CMCHIS policyholders can avail cashless treatment at the network hospital. This means they are not required to pay anything at the hospital after availing of the treatment. This brings a lot of relief to the policyholder as they can focus on their well-being instead of worrying about arranging money for treatment.
  • Access to Health Camps: The network hospitals are required to organize health camps for at least one time every month. The policyholder can get access to free-health check-ups and follow-up treatments frequently in the camps.
  • Cover for Sri Lankan Refugees: There is no restriction on the income of a Sri Lankan refugee to be covered under Amma Health Insurance. One can avail of seamless healthcare facilities at the desired center.
  • 24*7 Assistance: There is an active call center wherein the personnel answer various questions related to CMCHIS. If someone is facing any issue in understanding the policy features, etc., then they can seek easy solutions at the center.
  • A wide network of Hospitals: there is a huge number of hospitals that are impaneled to offer healthcare services under the Chief Minister’s Comprehensive Health Insurance Scheme. The policyholders can therefore reach the medical facility sooner in case of an emergency. This ensures that the patient receives treatment at the right time.
  • High Sum Insured: Amma Health Insurance comes with a sum insured of Rs. 5 lakh for every family per year. The sum insured is sufficient to cover minor health care expenses.

Inclusions Under Chief Minister’s Comprehensive Health Insurance Scheme

Chief Minister’s Comprehensive Health Insurance Scheme covers the insured against the following expenses:

  • Hospitalisation: The policy covers the policyholders against treatment expenses incurred during hospitalisation, provided the scheme covers that medical procedure.
  • Diagnostic Procedures: CMCHIS covers the policyholder against expenses arising due to diagnostic tests.
  • Follow-Up Treatments: Commercial health insurance plans generally do not cover the insured against follow-up treatments, but CMCHIS does, thereby reducing the financial burden of the insured.

Diseases Covered Under Chief Minister’s Comprehensive Health Insurance Scheme

Chief Minister’s Comprehensive Health Insurance Scheme covers the insured against the following medical procedures:

Bariatric surgery

Obstetric surgery

Neurosurgery

Radiation oncology

Cardiology

Hematology

OFMS

Rheumatology

Cardiothoracic surgeries

Hepatology

Ophthalmology surgeries

Spine

Dermatology

Infectious diseases

Orthopedic trauma

Stemi

ENT

Interventional cardiology

Pediatric intensive care

Surgical gastroenterology

Endocrine surgery

Interventional radiology

Pediatric surgeries

Surgical oncology

Endocrinology (follow up procedure)

Medical oncology

Paediatrics plastic surgery

Thoracic medicine

Gastroenterology

Neonatology

PMR

Vascular surgeries

Genitourinary surgery

Nephrology

Psychiatry

Gynecology

Neurology

Pulmonology

Eligibility For Chief Minister’s Comprehensive Health Insurance Scheme

The Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) has been launched to provide benefits to underprivileged families who are unable to receive the necessary healthcare facilities. To be able to seek cover under the scheme, one should meet the following criteria:

  • The family should be a resident of Tamil Nadu
  • The family income should be less than Rs. 72,000 per annum
  • The member should be mentioned in the ration card of the family
  • The applicant can be a Sri Lankan refugee if having proof of citizenship
  • Migrants of other states of India if carrying migration certificates from the concerned authority (should be residing in Tamil Nadu for minimum 6 months)
  • Orphans of rescued girl children from any registered or unregistered organization

Enrolment Process For Chief Minister’s Comprehensive Health Insurance Scheme

The enrollment process for CMCHIS is very easy if the policy buyer has all the required documents in place. For enrollment, the following steps should be followed:

  • Get income certificate from the Village Administrative Officer/Revenue authorities
  • Take all the necessary documents to the enrolment center
  • Get them verified at the kiosk by the operator
  • The biometric details like eye scan, photograph, fingerprint scan will be taken
  • An e-card will be issued after the verification

Documents Required For Chief Minister’s Comprehensive Health Insurance Scheme

To apply for Chief Minister’s Comprehensive Health Insurance Scheme, the following documents are required:

  • Income Certificate
  • Ration card in original and copy
  • Self-declaration from the head of the family

Also, the following documents are required to be carried at the time of enrolment:

  • Identity proof
  • Address proof
  • Pan card
  • Aadhaar card

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FAQ About Chief Minister's Comprehensive Health Insurance Scheme

  • Who can enrol under CMCHIS?

    Under the Chief Minister’s Comprehensive Health Insurance Scheme (Amma Health Insurance), the following members of a family with an annual income of fewer than 72 thousand rupees can enrol:

    • Head of the family
    • Legally wedded spouse
    • Children of the eligible person
    • Dependent parents
  • Are claims for reimbursement allowed in CMCHIS?

    No. The insured can only avail cashless claims at an empanelled hospital under the Chief Minister’s Comprehensive Health Insurance Scheme (Amma Health Insurance). This will reduce the financial burden of the beneficiary of the policy. 

  • Are dental treatments included in CMCHIS?

    Yes. Chief Minister’s Comprehensive Health Insurance Scheme (Amma Health Insurance) covers the insured against several types of dental treatments. Note that dental treatments come under outpatient treatments. 

  • What is the toll-free number and address of the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS)?

    The toll-free number of Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) is 1800-425-3993 and its address is Chief Minister’s Comprehensive Health Insurance Scheme, No.226, Om Sakthi Towers, Kilpauk Garden Road, Kilpauk, Chennai-600010, Tamil Nadu.

  • What are the steps to find CMCHIS member ID?

    To find the CMCHIS member ID, you are required to have either the URN number or ration card number to search the member ID, for which you must follow the steps given below: 

    • Visit the website of CMCHIS and click on the beneficiary. 
    • You will find a list containing links for member search or e-card and member ID. Click on the option that suits you the best.
    • You will find a page that asks for relevant information related to URN number and other details.
    • Fill that form and then click on ‘Search’.
    • You will see the result of the corresponding member ID on your screen.