CMCHIS-TN
Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu
6.9/10Launched on July 23, 2009, the Chief Minister’s Comprehensive Health Insurance Scheme, also known as Kalaingar Kaappittu Thittam, aims to provide cashless hospitalization for specific ailments and procedures to residents of Tamil Nadu. From January 2022 to 2027, the scheme offers coverage of up to ₹5,00,000 per family per year on a floater basis, specifically designed for families with an annual income not exceeding ₹1,20,000. Eligible applicants must be residents of Tamil Nadu, have their names included in the family card, and provide necessary documentation such as an Aadhaar card and an income certificate. The scheme is implemented through United India Insurance Company and extends its benefits to all family members of differently abled persons, ensuring comprehensive health care coverage. There are no fees associated with enrollment, and the scheme covers a wide range of health services, including hospitalization, surgeries, and medical treatments.
States / UT: Tamil Nadu
Nodal department: Welfare of Differently Abled Persons Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Categories: Social welfare & Empowerment
Sub-categories: Insurance
Target beneficiaries: Individual, Family
Tags: Differently Abled Person, Health, Insurance, Family
Details
Chief Minister Comprehensive Health Insurance Scheme launched on 23.07.2009 as Kalaingar Kaappittu Thittam. Now the scheme from January 2022 to 2027 is implemented through United India Insurance Company. The 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 the public health system.
This scheme provides free health insurance coverage to families residing in Tamil Nadu with an annual income of less than ₹1,20,000.
Totally 1090 procedures, 8 follow up procedures and 52 diagnostic procedures are covered under CMCHIS in 800 Government 900 Private empanelled hospitals.
Benefits
- 1. The scheme seeks to provide cashless hospitalization-specific ailments and procedures. 1. The scheme provides coverage up to ₹5 00 000 per family per year on a floater basis for the ailments and procedures covered under the scheme
- The scheme seeks to provide cashless hospitalization-specific ailments and procedures.
- The scheme provides coverage up to ₹ 5,00,000 per family per year on a floater basis for the ailments and procedures covered under the scheme.
Eligibility
- The applicant should be a resident of Tamil Nadu.
- The applicant should have their name included in the family card.
- The applicant’s family income should not exceed ₹1,20,000 per annum.
- The applicant should submit a family card, an Aadhaar card, and an income certificate issued by VAO/Revenue Authorities, along with a self-declaration.
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.
- Accessibility6.0
- Financial impact9.5
- Rural utility7.0
- Awareness4.5
- Simplicity5.0
- Inclusivity7.0
What problem does this scheme solve?
The scheme provides essential health insurance coverage to low-income families in Tamil Nadu, particularly benefiting differently abled individuals.
Key challenges addressed
- Financial burden of healthcare
- Access to quality health services
Most beneficial for
- Low-income families
- Differently abled persons
Likely challenges
- Complex application process
- Awareness among eligible beneficiaries
Practical insights for citizens
While the scheme is beneficial, the application process may deter eligible beneficiaries, especially in rural areas.
Rural challenges
- Limited access to insurance offices
- Awareness about the scheme
Digital challenges
- Low digital literacy
- Limited online resources
Implementation bottlenecks
- Bureaucratic delays
- Inconsistent outreach efforts
Awareness challenges
- Low awareness in rural areas
- Need for community outreach
Application analysis
- Application mode
- Offline office
- Documents burden
- Moderate, requires multiple documents
- Verification complexity
- Moderate, involves local authorities
- Office dependency
- High, requires visit to District Differently Abled Welfare Officer
- DBT dependency
- None
- CSC support
- Limited
- Estimated citizen effort
- High, due to multiple steps and document requirements
Estimated beneficiary reach
Benefit analysis
- Benefit type
- In Kind
- Benefit frequency
- Annual coverage up to ₹5,00,000
- Benefit practicality
- High, as it covers a wide range of health services
- Financial meaningfulness
- Very meaningful for low-income families facing health emergencies
- Long-term impact
- Potentially significant if awareness and accessibility improve
Plain-language guidance
This scheme offers health insurance for families in Tamil Nadu with low income, covering various medical needs. It is especially helpful for differently abled individuals.
- Who should apply
- Families in Tamil Nadu earning less than ₹1,20,000 annually.
- Who may struggle
- Individuals unfamiliar with the application process or lacking necessary documents.
- Best application route
- Apply by visiting the local insurance office with required 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: The interested applicant should visit (during office hours) the insurance office in the Collectorate and request a hard copy of the prescribed format of the application form from the staff exclusively entrusted to issue and collect filled-in applications.
Step 2: In the application form, fill in all the mandatory fields and attach copies of all the mandatory documents (self-attest, if required).
Step 3: Submit the duly filled and signed application form along with the documents to the District Differently Abled Welfare Officer.
Step 4: Request a receipt or acknowledgement from the District Differently Abled Welfare Officer to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission and a unique identification number (if applicable).
HELPLINE:
A 24-hour call centre has been set up at TNHSP with sufficient manpower with a toll-free helpline number 1800 425 3993. The toll-free line is competent to answer the query in Tamil.
Email:
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the purpose of the Chief Minister’s Comprehensive Health Insurance Scheme?
The Chief Minister's Comprehensive Health Insurance Scheme aims to provide universal health care by offering comprehensive health insurance coverage to differently abled persons and their family members.
- Who is eligible to benefit from this health insurance scheme?
All differently abled persons and their family members are eligible for enrollment in the health insurance scheme, without any income ceiling.
- Are there any income restrictions for enrollment in the scheme?
No, there are no income restrictions for enrollment in the scheme.
- What is the residency requirement for eligibility under this scheme?
To be eligible, at least one member of the family should be a differently abled person, and the family should be residents of Tamil Nadu.
- Is there a specific office or authority designated to handle grievances?
The Assistant Special Officer at the Commissionerate for Welfare of the Differently Abled handles grievances related to the scheme.
- Are there any fees or charges associated with enrollment in the health insurance scheme?
There are no fees or charges associated with enrollment in the health insurance scheme.
- Can family members of differently abled persons also enroll in the scheme?
Yes, family members of differently abled persons can also enroll in the scheme.
- How does the scheme ensure coverage for all family members?
Coverage under the scheme extends to all family members of the differently abled person.
- What type of health services are covered under the insurance scheme?
The health insurance scheme covers a wide range of health services, including hospitalization, surgeries, and medical treatments.
- Are there any exclusions or limitations to the coverage provided?
Exclusions or limitations to the coverage provided are typically outlined in the scheme's terms and conditions.
Official links
References
- Official Website
- https://www.cmchistn.com/
- Guideline
- https://www.cmchistn.com/features.php
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu?
- Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu is a government welfare initiative designed to support Individual, Individual, Family through benefits related to Social welfare & Empowerment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu?
- Eligibility for Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu 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 - Tamil Nadu?
- Benefits under Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu 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 - Tamil Nadu?
- Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu is managed by Welfare of Differently Abled Persons 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 - Tamil Nadu?
- Yes, eligible applicants may be able to apply online for Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu 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 - Tamil Nadu?
- 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 - Tamil Nadu?
- Applications for Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu 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 - Tamil Nadu?
- 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 - Tamil Nadu?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu.
- Is Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu available in all states?
- No, Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu 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 - Tamil Nadu?
- Eligibility for Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu is generally limited to residents of Tamil Nadu unless otherwise specified in the official scheme guidelines.
- Does Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu provide healthcare or insurance support?
- Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu 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 - Tamil Nadu 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 - Tamil Nadu?
- 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 - Tamil Nadu?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Can beneficiaries track application status for Chief Minister’s Comprehensive Health Insurance Scheme - Tamil Nadu?
- 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 - Tamil Nadu 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 - Tamil Nadu 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.