Chief Minister Health Insurance Scheme (CMHIS)
The Chief Minister Health Insurance Scheme (CMHIS) is a flagship public health insurance initiative by the Government of Nagaland. Designed to provide cashless treatment to eligible beneficiaries, CMHIS bridges the gap for government employees, pensioners, and Indigenous Inhabitants or Permanent Residents of Nagaland not covered under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
In convergence with AB PM-JAY, the scheme is referred to as the "Ayushman Bharat Pradhan Mantri Jan Arogya Yojana - Chief Minister Health Insurance Scheme (AB PM-JAY CMHIS)" and offers comprehensive health insurance benefits across two categories:
1. CMHIS Employee & Pensioner (EP)
- Coverage: ₹20 lakhs per year per family.
2. CMHIS General Category (GC)
- Coverage: ₹5 lakhs per year per family.
Eligibility Criteria and Benefits
CMHIS (EP) – For Employees & Pensioners
Who is eligible?
- Government Employees:
- Regular employees, serving legislators, public sector employees, and fixed pay/work-charge employees on scale pay
- Dependent family members.
- Pensioners:
- Pensionable Retired government employees, ex-legislators
- Dependent family members.
Required Documents for Registration:
- Valid mobile phone number.
- PIMS code (for employees).
- PPO book (for pensioners).
- Supporting documents for dependents (e.g., Aadhaar, birth certificate, or disability certificate).
Key Benefits:
- Cashless treatment up to ₹20 lakhs in empanelled hospitals across India.
- Coverage for private/semi-private/general ward based on pay-level entitlement.
reimbursement for emergency treatments in non-empanelled hospitals.
Note: Government employees are entitled for Medical Reimbursement for medical expenses beyond the Annual Health Insurance Cover.
CMHIS (GC) – For General Category
Who is eligible?
- Indigenous Inhabitants or Permanent Residents of Nagaland not covered under AB PM-JAY or other government schemes.
- Contractual, ad-hoc, and fixed-pay employees of the state government with valid PIMs Code.
- Accredited journalists of Nagaland.
Required Documents for Registration:
- Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC) issued after 2016.
- Aadhaar card and mobile number.
Key Benefits:
- Cashless treatment up to ₹5 lakhs in empanelled hospitals across India.
- Access to general wards in empanelled hospitals.
- Coverage for inpatient treatment and specific daycare procedures, including surgeries, dialysis, and chemotherapy.
Defining Households and Dependents
For CMHIS (EP):
Eligible dependents include:
- Spouse
- Children: Unmarried sons (up to 25 years or earning less than ₹9,000/month), unmarried daughters (no age limit unless employed).
- Parents and in-laws (if financially dependent).
- Stepchildren, legally adopted children, and dependent siblings (under specific conditions).
For CMHIS (GC):
- A household includes individuals living together and sharing a common kitchen.
- Institutional households, such as rescue homes and orphanages, are eligible as a single unit.
Registration Centres
Eligible individuals can register at:
- Primary Health Centres (PHCs) and Community Health Centres (CHCs) empanelled under AB PM-JAY CMHIS.
- District and sub-division Treasury Offices (for pensioners).
- Outreach enrolment and welfare scheme camps.
- Designated private hospitals offering registration services.
Registration Process:
- Submit required documents at any designated registration centre.
- Receive a confirmation message with the assigned Household ID upon approval.
- Note: Registration alone does not guarantee eligibility; verification is mandatory.
Empanelled Hospitals and Benefit Packages
- Empanelled Hospitals: Beneficiaries can avail of treatment at hospitals listed under CMHIS and AB PM-JAY across India.
- Health Benefit Packages (HBPs): Fixed-rate packages for inpatient care and daycare procedures.
