CMHIS Nagaland Government Health Insurance Scheme

CMHIS Nagaland: Objectives, Benefits, and Coverage Details

CMHIS, also known as the Chief Minister’s Health Insurance Scheme, is a health insurance initiative launched by the government of Nagaland that provides cashless medical treatment to eligible residents. This scheme was launched as part of the state’s vision to make healthcare affordable and easily accessible for all citizens by 2030. Under this scheme, residents of Nagaland can avail free or subsidised health insurance coverage through CMHIS.

Let’s have a look at what the scheme is about, its objective, eligibility criteria, benefits and ways to enrol in this scheme.

What are the Objectives of the CMHIS Scheme?

The CMHIS scheme was launched by the government with the following objectives:

• The main objective of the scheme is to offer financial protection to families against high medical expenses.
• Eligible beneficiaries do not have to worry about finances and can access cashless healthcare services to quality healthcare services.
• Another goal is to improve healthcare services in both urban and rural areas.
• This scheme also aims to support vulnerable and economically weaker sections.

What are the Benefits of the Scheme?

There are many benefits offered by the Chief Minister’s Health Insurance Scheme to the citizens of Nagaland. The following are some of the advantages:

1. Cashless Hospitalisation: It offers cashless hospitalisation to eligible beneficiaries. This means you do not need to pay out-of-pocket expenses at the time of treatment.
2. Family Floater Coverage: Families in Nagaland can easily enrol in this scheme. General category families can receive coverage of up to ₹5 lakh under this scheme. On the other hand, employees and pensioners can receive coverage of up to ₹20 lakhs per family.
3. Preventive and Primary Care: The scheme may also support preventive healthcare and primary care services, which help in early detection of diseases and reduce long-term health risks.
4. Access to Quality Medical Treatment: Beneficiaries can receive treatment at empanelled hospitals across Nagaland and at selected hospitals outside the state.
5. Comprehensive coverage: This scheme covers a wide range of medical treatments and illnesses. It ensures that you get the required medical treatment without any financial hardship.
6. Treatment Outside the State: The scheme allows beneficiaries to receive treatment outside Nagaland at selected hospitals. It ensures access to advanced medical care.

How much Sum Insured is provided per family under CMHIS?

The annual sum insured covered under this scheme is:

1. For CMHIS (GEN): ₹ 5,00,000/- per family
2. For CMHIS (EP): ₹ 20,00,000/- per family

What are the Eligibility Criteria for CMHIS?

It is worth noting that all permanent and indigenous residents of Nagaland can receive the benefits under this scheme. The CMHIS scheme is categorised into two groups. These groups include:

Group 1: Government Employees and Pensioners

• The individual should be either a serving government employee or a retired employee (pensioner).

Group 2: General Public

• The applicant should not be a government employee.
• All indigenous and permanent residents of Nagaland who are not covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) or any other government-funded health insurance scheme.

What is Covered Under the CMHIS Scheme?

CMHIS Scheme covers the following:

1. Extensive health coverage: The CMHIS scheme offers extensive healthcare coverage to the residents of Nagaland. It ensures that Nagaland citizens can receive necessary medical attention without financial hardship. It offers a wide range of medical services such as diagnostic tests, outpatient consultations, room charges, doctor fees, nursing charges and hospital-based treatments.
2. Hospitalisation and Medical Treatments: It also provides financial support to the beneficiaries for hospitalisation, surgeries, and post-treatment care.
3. Preventive health check-ups: The CMHIS scheme provides coverage for preventive and primary care services. This helps in early diagnosis of health complications and effective treatment on time.
4. Annual Coverage Limits: Under the CMHIS scheme, families in the general category are eligible for coverage of up to ₹5 lakh per year, while families of government employees and pensioners can receive up to ₹20 lakh per year.

What is NOT Covered Under CMHIS?

The CMHIS scheme does not cover certain treatments and expenses, such as:

• Cosmetic or aesthetic procedures
• Non-medical expenses such as registration charges, toiletries, etc.
• Experimental or unapproved medical procedures
• Self-inflicted injuries or treatment related to substance abuse

What are the Mandatory Documents for the Nagaland Health Insurance Scheme?

The documents required for online registration will not be the same for each category. Some documents, according to the group, include:

General Public (CMHIS-GEN)

• An active mobile phone number.
• Permanent Residential Certificate (PRC) or Indigenous Inhabitant Certificate (IIC) issued after 2016.
• Ration Card (for eligible households, eCards may be generated through the BIS portal)

Employees without a PIMS Number

• An active mobile phone number
• Government-issued ID card
• Appointment or engagement order
• Proof of employment continuity
• Completed registration form signed by the Village Council Chairman or Ward Chairman.

Employee and Pensioner Category (CMHIS-EP)

• Dependent Family Members
• Proof of relationship and date of birth (such as Aadhaar card, birth certificate, etc)
• Disability certificate if applicable

Government Employees

• An active mobile phone number
• PIMS code.

Pensioners

• An active mobile phone number.
• The first three pages of the Pensioner’s PPO book. These pages should clearly show pay scale, designation, PPO number, and last salary details.

How to Enrol in CMHIS Nagaland?

Enrolling in CMHIS Nagaland is easy. You can follow the steps listed below to complete the registration process.

• Step 1: Go to the official website of the Chief Minister’s Health Insurance Scheme, Nagaland.
• Step 2: Select the ‘Registration’ option available on the screen.
• Step 3: Fill in all the required information, such as your name, age, family information, income, and past medical history, if any. Ensure all the information provided is accurate, as you may have to face issues later.
• Step 4: Upload all the necessary documents. In addition, you can also visit the nearest Common Service Centre (CSC) in your area for any help in the registration process.
• Step 5: Now, the common service centre will cross-check all the information provided by you. Once verified, they will upload the information to the official CMHIS online portal for processing.
• Step 6: The insurance provider will review the application. After reviewing, the authority will decide whether to approve or reject your application form.
• Step 7: If the insurance provider approves your application, you will receive a confirmation message on your registered email ID or mobile number.

The above-mentioned steps will help you enrol in this scheme without any hassle.

Summing Up

The Chief Minister's Health Insurance Scheme in Nagaland is an important step towards providing quality health coverage to the state's permanent residents. This scheme primarily focuses on providing comprehensive healthcare coverage and making medical services more accessible and affordable.

Enrolling in this scheme is a reliable way to protect yourself from unexpected medical bills, stay focused at work, and enjoy peace of mind.