Cmchis
Chief Minister's Comprehensive Health Insurance Scheme
6.0/10Chief Minister Comprehensive Health Insurance Scheme provides quality health care to the eligible person through empanelled government and private hospitals to reduce the financial hardship to the enrolled families and move towards universal health coverage by effectively linking with public
States / UT: Tamil Nadu
Nodal department: Planning, Development and Special Initiatives Department
Scheme for: Individual
Scheme profile
Scheme open date: 2009-07-23
Categories: Health & Wellness
Sub-categories: Medical insurance, Health Insurance
Tags: Cashless Medical Treatment, Health Insurance, Economically-weaker Sections, Critical Illnesses, Public And Private Sector Hospitals
Details
The Chief Minister Comprehensive Health Insurance Scheme, formerly known as Kalaingar Kaappittu Thittam, was launched on 23rd July 2009, with the objective of providing quality healthcare to eligible individuals through empanelled government and private hospitals, thereby reducing financial hardship for enrolled families and moving towards universal health coverage by effectively linking with the public health system.
From January 2022 to 2027, the scheme is being implemented through United India Insurance Company. As of January 2022, the scheme covers around 1.37 crore families. A total of 1090 procedures, 8 follow-up procedures, and 52 diagnostic procedures are covered under CMCHIS in 800 government and 900 private empanelled hospitals.
The scheme aims to provide cashless hospitalization for specific ailments/procedures and provides coverage up to Rs. 5,00,000/- per family, per year on a floater basis for the ailments and procedures covered under the scheme. The CMCHIS is a significant step towards ensuring that vulnerable sections of society receive adequate healthcare without suffering financial distress, while simultaneously promoting access to quality medical care.
Benefits
- [ [ { "children": [ { "text": "Extensive Coverage for Medical Emergencies: The Chief Minister Comprehensive Health Insurance Scheme is designed to provide financial support to families who are not financially equipped to handle medical emergencies due to the high costs of healthcare treatments in India. The scheme offers access to high-end medical treatments without the worry of incurring a significant financial burdens." } ] }
- { "children": [ { "text": "Large Network of Hospitals: One of the significant advantages of the Chief Minister Comprehensive Health Insurance Scheme is that it has a vast network of hospitals that are empanelled to provide medical treatment. This ensures that beneficiaries can access medical facilities quickly even in remote areas." } ] }
- { "children": [ { "text": "Comprehensive Coverage for Multiple Treatments: The scheme provides coverage for numerous treatments thereby reducing the likelihood of beneficiaries having to pay for medical treatments from their pocket. This ensures that beneficiaries can avail of any treatment covered under the policy free of cost making healthcare more affordable." } ] }
- { "children": [ { "text": "High Sum Insured: The Chief Minister Comprehensive Health Insurance Scheme provides high coverage of up to Rs. 5 lahks per family for each policy year. This amount is sufficient to avail of most minor healthcare treatments and it provides significant relief to families who cannot afford healthcare expenses." } ] }
- { "children": [ { "text": "Coverage for Additional Medical Procedures: Unlike typical health insurance policies the Chief Minister Comprehensive Health Insurance Scheme also provides coverage for follow-up treatments and diagnostic procedures. This eliminates the need for beneficiaries to spend extra money on carrying out these procedures thus providing additional financial relief." } ] } ] ]
Extensive Coverage for Medical Emergencies: The Chief Minister Comprehensive Health Insurance Scheme is designed to provide financial support to families who are not financially equipped to handle medical emergencies due to the high costs of healthcare treatments in India. The scheme offers access to high-end medical treatments without the worry of incurring a significant financial burdens.
Large Network of Hospitals: One of the significant advantages of the Chief Minister Comprehensive Health Insurance Scheme is that it has a vast network of hospitals that are empanelled to provide medical treatment. This ensures that beneficiaries can access medical facilities quickly, even in remote areas.
Comprehensive Coverage for Multiple Treatments: The scheme provides coverage for numerous treatments, thereby reducing the likelihood of beneficiaries having to pay for medical treatments from their pocket. This ensures that beneficiaries can avail of any treatment covered under the policy free of cost, making healthcare more affordable.
High Sum Insured: The Chief Minister Comprehensive Health Insurance Scheme provides high coverage of up to Rs. 5 lahks per family for each policy year. This amount is sufficient to avail of most minor healthcare treatments, and it provides significant relief to families who cannot afford healthcare expenses.
Coverage for Additional Medical Procedures: Unlike typical health insurance policies, the Chief Minister Comprehensive Health Insurance Scheme also provides coverage for follow-up treatments and diagnostic procedures. This eliminates the need for beneficiaries to spend extra money on carrying out these procedures, thus providing additional financial relief.
Eligibility
The Chief Minister’s Comprehensive Health Insurance Scheme is intended for the residents of Tamil Nadu who meet the specified eligibility criteria. To qualify for benefits under the scheme, the applicant's name must be present in the family card, and their family's annual income should be less than Rs.1,20,000/- per annum. This eligibility can be confirmed by producing necessary documents, such as the family card, Aadhar card, and income certificate issued by the VAO/Revenue Authorities, along with a self-declaration from the head of the family.
Under this scheme, the definition of family includes the eligible member, their legal spouse, their children, and their dependent parents. By ensuring that these individuals meet the necessary criteria, they can access the benefits of the scheme and receive quality healthcare services without financial burden.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility8.0
- Financial impact5.0
- Rural utility6.0
- Awareness4.5
- Simplicity1.5
- Inclusivity8.0
What problem does this scheme solve?
The scheme provides essential health coverage to economically weaker sections, significantly reducing financial burdens associated with healthcare.
Key challenges addressed
- Financial hardship due to medical expenses
- Access to quality healthcare services
Most beneficial for
- Low-income families
- Residents of Tamil Nadu
Likely challenges
- Complex application process for some citizens
- Need for documentation may hinder access
Practical insights for citizens
Practical for those who can navigate the application process and have necessary documents
Rural challenges
- Limited access to enrollment centers
- Transportation issues
Digital challenges
- Low internet penetration in rural areas
Implementation bottlenecks
- Verification delays
- Document collection challenges
Awareness challenges
- Limited outreach in rural areas
Application analysis
- Application mode
- Offline
- Documents burden
- Moderate, requires multiple documents
- Verification complexity
- Moderate, involves biometric verification
- Office dependency
- High, requires visits to enrollment centers
- CSC support
- Available at local centers
- Estimated citizen effort
- High, due to multiple steps in the application process
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Composite
- Benefit frequency
- Annual coverage up to ₹5,00,000
- Benefit practicality
- High, as it covers a wide range of procedures
- Financial meaningfulness
- Very meaningful for low-income families
- Long-term impact
- Potentially significant, improving health outcomes for vulnerable populations
Plain-language guidance
This scheme helps families in Tamil Nadu get cashless health insurance for medical treatments. To apply, you need to gather documents and visit an enrollment center.
- Who should apply
- Families with an annual income below ₹1,20,000.
- Who may struggle
- Individuals unfamiliar with the documentation process or those living far from enrollment centers.
- Best application route
- Apply via local CSC with Aadhaar and necessary documents.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Offline
Step 1: Obtain an income certificate from the Village Administrative Officer or Revenue authorities.
Step 2: Gather all the necessary documents such as Aadhar card, ration card, and income certificate and proceed to the enrollment center.
Step 3: Present your documents to the kiosk operator for verification.
Step 4: Provide your biometric details such as fingerprints, photograph, and eye scan.
Step 5: Your details will be verified and the e-card will be issued to you.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- Which Family Members Are Eligible To Enrol Under CMCHIS?
The following members of a family with an annual income of less than 1.2 lakhs rupees can enrol under the scheme:>Head of the family>Legal spouse>Children of the eligible person>Dependant parents
- Can I file a claim online?
Yes, you can file a claim online on the official website of the Tamil Nadu Chief Minister's by entering the User ID and Password provided to you.
- Till what age are children of the beneficiary included in the policy cover?
The children of the eligible individual are covered under this policy until they reach the age of 25 years, get employed or get married, whichever comes first.
- Are reimbursement claims allowed under CMCHIS 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.
Official links
Apply
We don’t have a direct online application link yet. Use Official links below for the programme or ministry website, or check the application process section.
Frequently asked questions
- What is the purpose of Chief Minister's Comprehensive Health Insurance Scheme?
- Chief Minister's Comprehensive Health Insurance Scheme is a government welfare initiative designed to support Individual through benefits related to Health & Wellness, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Chief Minister's Comprehensive Health Insurance Scheme?
- Eligibility for Chief Minister's Comprehensive Health Insurance Scheme may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under Chief Minister's Comprehensive Health Insurance Scheme?
- Benefits under Chief Minister's Comprehensive Health Insurance Scheme may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages Chief Minister's Comprehensive Health Insurance Scheme?
- Chief Minister's Comprehensive Health Insurance Scheme is managed by Planning, Development and Special Initiatives Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for Chief Minister's Comprehensive Health Insurance Scheme?
- Yes, eligible applicants may be able to apply online for Chief Minister's Comprehensive Health Insurance Scheme through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Chief Minister's Comprehensive Health Insurance Scheme?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for Chief Minister's Comprehensive Health Insurance Scheme?
- Applications for Chief Minister's Comprehensive Health Insurance Scheme may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for Chief Minister's Comprehensive Health Insurance Scheme?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for Chief Minister's Comprehensive Health Insurance Scheme?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Chief Minister's Comprehensive Health Insurance Scheme.
- Is Chief Minister's Comprehensive Health Insurance Scheme available in all states?
- No, Chief Minister's Comprehensive Health Insurance Scheme is primarily available for eligible residents of Tamil Nadu and may be implemented through state government departments and local administrative offices.
- Can residents outside Tamil Nadu apply for Chief Minister's Comprehensive Health Insurance Scheme?
- Eligibility for Chief Minister's Comprehensive Health Insurance Scheme is generally limited to residents of Tamil Nadu unless otherwise specified in the official scheme guidelines.
- Does Chief Minister's Comprehensive Health Insurance Scheme provide healthcare or insurance support?
- Chief Minister's Comprehensive Health Insurance Scheme may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
- Can beneficiaries use Chief Minister's Comprehensive Health Insurance Scheme at government hospitals?
- Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
- Can CSC centres help users apply for Chief Minister's Comprehensive Health Insurance Scheme?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for Chief Minister's Comprehensive Health Insurance Scheme?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Are there deadlines for applying to Chief Minister's Comprehensive Health Insurance Scheme?
- Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.
- Can beneficiaries track application status for Chief Minister's Comprehensive Health Insurance Scheme?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for Chief Minister's Comprehensive Health Insurance Scheme in Tamil Nadu?
- Users in Tamil Nadu may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with Chief Minister's Comprehensive Health Insurance Scheme applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.