What is the purpose of Chief Minister’s Health Insurance Scheme - Nagaland?

Chief Minister’s Health Insurance Scheme - Nagaland is a government welfare initiative designed to support Individual, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Chief Minister’s Health Insurance Scheme - Nagaland?

Eligibility for Chief Minister’s Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland?

Benefits under Chief Minister’s Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland?

Chief Minister’s Health Insurance Scheme - Nagaland is managed by Health and Family Welfare Department, Nagaland and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.

Can users apply online for Chief Minister’s Health Insurance Scheme - Nagaland?

Yes, eligible applicants may be able to apply online for Chief Minister’s Health Insurance Scheme - Nagaland through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Chief Minister’s Health Insurance Scheme - Nagaland?

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 Health Insurance Scheme - Nagaland?

Applications for Chief Minister’s Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland?

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 Chief Minister’s Health Insurance Scheme - Nagaland available in all states?

No, Chief Minister’s Health Insurance Scheme - Nagaland is primarily available for eligible residents of Nagaland and may be implemented through state government departments and local administrative offices.

Can residents outside Nagaland apply for Chief Minister’s Health Insurance Scheme - Nagaland?

Eligibility for Chief Minister’s Health Insurance Scheme - Nagaland is generally limited to residents of Nagaland unless otherwise specified in the official scheme guidelines.

Who is eligible for pension benefits under Chief Minister’s Health Insurance Scheme - Nagaland?

Eligibility may depend on age, income category, social welfare criteria, disability status, widow status, or senior citizen classification defined under the scheme.

How are pension benefits provided under Chief Minister’s Health Insurance Scheme - Nagaland?

Pension assistance under Chief Minister’s Health Insurance Scheme - Nagaland may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.

Does Chief Minister’s Health Insurance Scheme - Nagaland provide healthcare or insurance support?

Chief Minister’s Health Insurance Scheme - Nagaland may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.

Can CSC centres help users apply for Chief Minister’s Health Insurance Scheme - Nagaland?

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 Health Insurance Scheme - Nagaland?

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 Health Insurance Scheme - Nagaland?

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 Health Insurance Scheme - Nagaland?

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 Health Insurance Scheme - Nagaland in Nagaland?

Users in Nagaland 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 Health Insurance Scheme - Nagaland 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.

CMHISN

Chief Minister’s Health Insurance Scheme - Nagaland

State In Kind

States / UT: Nagaland

Nodal department: Health and Family Welfare Department, Nagaland

Scheme for: Individual

Scheme profile

Scheme open date: 2022-10-14

Categories: Banking,Financial Services and Insurance, Health & Wellness

Target beneficiaries: Individual

Tags: Health Coverage, Health Insurance, Nagaland Government Health Insurance, Affordable Health Insurance, Cashless Health Insurance, Nagaland

Details

Launched on 16th October 2022, the scheme "Chief Minister Health Insurance Scheme (CMHIS)" is a Public Health Insurance Scheme by the Health and Family Welfare Department, Government of Nagaland. This scheme provides cashless treatment up to ₹20 lakhs for employees and pensioners and ₹5 lakhs for the general category, covering inpatient and specific daycare procedures in empanelled hospitals across India.
The applications are accepted through Primary Health Centres (PHCs), Community Health Centres (CHCs), District and Sub-division Treasury Offices, outreach camps, and designated private hospitals.
The scheme is being implemented by the Department of Health and Family Welfare, Government of Nagaland.

Benefits

All beneficiaries of the scheme are entitled to free and cashless hospitalization care for various ailments including pre-existing conditions/diseases which can be availed from any empanelled hospital across the country. The treatment will include both surgical and medical procedures and limited day-care packages. However
OPD services and standalone diagnostics investigations will not be covered. 1. CMHIS (GEN) beneficiaries will be entitled to more than 1950 medical and surgical packages across 27 major clinical specialties as well as entitlement to General Ward similar to AB PM-JAY. 1. CMHIS (EP) beneficiaries will be entitled similar to that available for central government employees under the Central Government Health Scheme (CGHS) as well as differential room entitlement as per their employee grade. Annual Risk Cover/ Sum Insured per family: 1. For CMHIS (GEN) beneficiary families the Sum Insured is ₹5 00 000/- (Rupees Five Lakhs Only) per family per annum on a family floater basis similar to AB PM-JAY. 1. For CMHIS (EP) beneficiary families the Sum Insured is ₹20 00 000/- (Rupees Twenty Lakhs Only) per family per annum on a family floater basis. 1. Further for Government employees any additional expenses beyond the sum insured shall be reimbursed on a case-to-case basis by the State government on recommendation of the State Medical Board

All beneficiaries of the scheme are entitled to free and cashless hospitalization care for various ailments including pre-existing conditions/diseases, which can be availed from any empanelled hospital across the country. The treatment will include both surgical and medical procedures and limited day-care packages. However, OPD services and standalone diagnostics investigations will not be covered.

CMHIS (GEN) beneficiaries will be entitled to more than 1950 medical and surgical packages across 27 major clinical specialties as well as entitlement to General Ward, similar to AB PM-JAY.
CMHIS (EP) beneficiaries will be entitled similar to that available for central government employees under the Central Government Health Scheme (CGHS) as well as differential room entitlement as per their employee grade.

Annual Risk Cover/ Sum Insured per family:

For CMHIS (GEN) beneficiary families, the Sum Insured is ₹ 5,00,000/- (Rupees Five Lakhs Only) per family per annum on a family floater basis, similar to AB PM-JAY.
For CMHIS (EP) beneficiary families, the Sum Insured is ₹ 20,00,000/- (Rupees Twenty Lakhs Only) per family per annum on a family floater basis.
Further, for Government employees, any additional expenses beyond the sum insured shall be reimbursed on a case-to-case basis by the State government on recommendation of the State Medical Board.

Eligibility

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

The applicant should be a government employee, pensioner, or dependent family member.
The applicant should possess valid supporting documents such as the PIMS Code, PPO book, Aadhaar card, and certificates for dependents.
2. For CMHIS (GC):
The applicant should be an Indigenous Inhabitant or Permanent Resident of Nagaland not covered under AB PM-JAY.
The applicant should possess an Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC) issued after 2016, along with an Aadhaar card and valid mobile number.

Application Process

Online

Step 1: Visit the Official Website of the Chief Minister’s Health Insurance Scheme (CMHIS) Nagaland.
Step 2: Click on the Register. Read out the R egistration instructions carefully.
Step 3: Fill in the application form with all the required details, including personal details, family details, income details, and medical history.
Step 4: Submit the completed application form along with the necessary documents to the nearest Common Service Center (CSC) in your area or the empanelled hospital.
Step 5: The CSC or the empanelled hospital will verify the application form and documents and upload the details to the online portal.
Step 6: The insurance provider will verify the application and approve or reject the application based on the eligibility criteria.

Note: For any query call us at 14555 or mail at nagaland.nhpm@gmail.com.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is CMHIS?: The Chief Minister Health Insurance Scheme (CMHIS) Nagaland was initiated with the aim to alleviate financial hardships due to hospitalization expenses and to prevent inaccessibility to medical care on account of unaffordability, by providing free and cashless benefits for treatment of various ailments, to every citizen of the State.
Who are Eligible under CMHIS (GEN) Category:: CMHIS (GEN) category includes all Indigenous and/or Permanent residents of the State who are not beneficiaries under the AB PM-JAY or any other public funded health insurance scheme of the government and who are not covered under CMHIS (EP) category. 2. CMHIS (GEN) category also includes non-dependant family members of CMHIS (EP) categories, employees without PIMS number, contractual, adhoc, fixed pay employees of the State government and contractual employees under various CSS, and their household members.
Who are Eligible under CMHIS (EP) Category:: CMHIS (EP) category includes State government employees who are eligible for monthly Medical Allowance (MA) and or reimbursement of medical expenses under Medical Re-imbursement scheme viz (1). Regular employees, (2). Pensioners, (3). Serving Legislators/ Ex- Legislators, (4). Employees of State Public Sector Undertakings, Corporations and Autonomous Bodies, (5). Workcharge employees (on Scale Pay), and their dependent family members.
What is the definition of Family under CMHIS(EP):: The term 'family' means and includes- "Husband or wife as the case may be and dependant family members."
Who are not to be treated as members of a household?: 1 Temporary visitors and guests whose total period of stay is less than 6 months in the past one year. 2. Members who have permanently migrated or left the household on marriage, employment etc. even if they occasionally visit the HH. 3. A resident employee, or domestic servant or a paying guest taking common meal and living with the household. 4. Those who are not considered normal member. NB: a. AB PM-JAY Beneficiaries including Building and other Construction Workers will not be covered under CMHIS (GEN) category. b. There is no financial /economic dependency criteria for households under the AB PM-JAY/ CMHIS (General) Category.
How much is the Annual Risk Cover/ Sum Insured per family:: For CMHIS (GEN) beneficiary families, the Sum Insured is Rs. 5,00,000/- (Rupees Five Lakhs Only) per family per annum on a family floater basis, similar to AB PM-JAY. 2. For CMHIS (EP) beneficiary families, the Sum Insured is Rs. 20,00,000/- (Rupees Twenty Lakhs Only) per family per annum on a family floater basis. Further, for Government employees, any additional expenses beyond the sum insured shall be reimbursed on a case-to-case basis by the State government on recommendation of the State Medical Board
Are all medical treatments covered under the CMHIS scheme?: No, certain medical treatments and procedures, such as cosmetic surgeries, dental treatments, and infertility treatments, are not covered under the CMHIS scheme.
Can I apply for the CMHIS scheme if I already have health insurance from another provider?: Yes, you can still apply for the CMHIS scheme if you already have health insurance from another provider. However, you cannot claim benefits from both insurance policies simultaneously for the same treatment
Can I include all my family members under the CMHIS scheme?: Yes, you can include your spouse and up to three dependent children under the CMHIS scheme. However, parents, siblings, and other relatives are not covered under the scheme.
How can I check my eligibility for the CMHIS scheme?: You can check your eligibility for the CMHIS scheme by visiting the official website of the Health and Family Welfare Department of Nagaland, contacting the empaneled hospitals and healthcare providers who are implementing the scheme, or visiting the nearest Common Service Center (CSC) in your area.
What documents are required to apply for the Chief Minister's Health Insurance Scheme?: You will need to provide proof of identity, proof of address, and proof of income to apply for the Chief Minister's Health Insurance Scheme. You may also be required to provide additional documents, such as medical certificates or hospital bills.
What is the coverage provided under the Chief Minister's Health Insurance Scheme?: The Chief Minister's Health Insurance Scheme provides coverage for medical treatment up to Rs. 5 lakh per family per year. The coverage includes hospitalization expenses, medical consultation fees, laboratory tests, and other medical expenses incurred during the treatment.

Official links

References

Official Site: https://cmhis.nagaland.gov.in/
Registration: https://cmhis.nagaland.gov.in/login

Apply

Apply now

Opens 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 Health Insurance Scheme - Nagaland?: Chief Minister’s Health Insurance Scheme - Nagaland is a government welfare initiative designed to support Individual, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Chief Minister’s Health Insurance Scheme - Nagaland?: Eligibility for Chief Minister’s Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland?: Benefits under Chief Minister’s Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland?: Chief Minister’s Health Insurance Scheme - Nagaland is managed by Health and Family Welfare Department, Nagaland and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Chief Minister’s Health Insurance Scheme - Nagaland?: Yes, eligible applicants may be able to apply online for Chief Minister’s Health Insurance Scheme - Nagaland through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Chief Minister’s Health Insurance Scheme - Nagaland?: 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 Health Insurance Scheme - Nagaland?: Applications for Chief Minister’s Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland?: 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 Chief Minister’s Health Insurance Scheme - Nagaland available in all states?: No, Chief Minister’s Health Insurance Scheme - Nagaland is primarily available for eligible residents of Nagaland and may be implemented through state government departments and local administrative offices.
Can residents outside Nagaland apply for Chief Minister’s Health Insurance Scheme - Nagaland?: Eligibility for Chief Minister’s Health Insurance Scheme - Nagaland is generally limited to residents of Nagaland unless otherwise specified in the official scheme guidelines.
Who is eligible for pension benefits under Chief Minister’s Health Insurance Scheme - Nagaland?: Eligibility may depend on age, income category, social welfare criteria, disability status, widow status, or senior citizen classification defined under the scheme.
How are pension benefits provided under Chief Minister’s Health Insurance Scheme - Nagaland?: Pension assistance under Chief Minister’s Health Insurance Scheme - Nagaland may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.
Does Chief Minister’s Health Insurance Scheme - Nagaland provide healthcare or insurance support?: Chief Minister’s Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland 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 Health Insurance Scheme - Nagaland?: 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 Health Insurance Scheme - Nagaland?: 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 Health Insurance Scheme - Nagaland?: 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 Health Insurance Scheme - Nagaland?: 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 Health Insurance Scheme - Nagaland in Nagaland?: Users in Nagaland 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 Health Insurance Scheme - Nagaland 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.