Chief Minister Comprehensive Health Insurance Scheme (CMCHIS)

In the day we live in, health issues are becoming more and more prevalent. A catastrophic medical emergency is likely to cost more than someone's savings and land them in a terrible financial hole. In such a case, the benefits of health insurance are undeniable.

However, not everybody can afford to buy insurance easily. People belonging to the disadvantaged sections of society struggle to afford effective healthcare services, leading to untreated and worsening medical conditions.

Quality healthcare is prohibitively expensive for the vulnerable sections of the society. One method for addressing this is to give free healthcare at government hospitals. However, district and sub-district hospitals may not always be able to provide effective care facilities. Furthermore, the demand for modern healthcare results in significant wait times for emergency and life-saving surgeries.  To address these issues and assure access to modern healthcare, the Tamil Nadu government launched the Chief Minister Comprehensive Health Insurance Scheme, formerly known as Kalaingar Kaappittu Thittam.

Chief Minister Comprehensive Health Insurance Scheme was launched on July 23, 2009, with the goal of providing quality healthcare to eligible individuals through empanelled government and private hospitals. The main aim is to reduce financial hardship for enrolled families and move towards universal health coverage by effectively integrating with the public health system.

This article will uncover the intricacies of this helpful programme.  We’ll discuss its characteristics, benefits, eligibility requirements, registration and claim procedure, and much more!

So, let’s begin-
 

Who Created The Comprehensive Health Insurance Programme For The Chief Minister?

The Chief Minister's Comprehensive Health Insurance Scheme, also known as Amma Kapitu Thittam, was unveiled on July 23, 2009. The plan's execution from January 2022 to January 2027 is presently under the control of the United India Insurance Company.

Now, let’s dive into the numerous advantages and features of the important scheme below!
 

Benefits And Features Of Chief Minister's Comprehensive Health Insurance Scheme

Here are the important features and benefits of the Chief Minister's Comprehensive Health Insurance Scheme-

• Benefits
  Here are the benefits of the Chief Minister's Comprehensive Health Insurance Scheme- 
  • Comprehensive Medical Emergency Coverage
    Due to the high costs of medical care in India, the Chief Minister Comprehensive Health Insurance Scheme is intended to enable families that lack the resources to deal with medical emergencies. The scheme provides access to costly medical care without the concern of incurring considerable financial strain.
     
  • Broad Hospital Network
    The Chief Minister Comprehensive Health Insurance Scheme has numerous advantages, one of which is its large network of establishments that are allowed to provide medical care. This ensures that individuals will always have quick access to medical facilities, even in remote areas.
     
  • Complete Coverage Across A Range Of Treatments
    Because the plan covers a wide range of treatments, recipients are less likely to have to pay for medical services out of pocket. This makes healthcare more inexpensive by guaranteeing that beneficiaries can receive any treatment covered by the coverage at no cost.
     
  • High Sum Insured
    For each policy year, the Chief Minister Comprehensive Health Insurance Scheme offers high coverage of up to Rs. 5 lakhs per household. Families who are unable to pay for healthcare might greatly benefit from this sum, which is adequate to cover the majority of minor medical procedures.
     
  • Protection Against Additional Medical Treatments
    The Chief Minister Comprehensive Health Insurance Scheme covers diagnostic tests and follow-up care in addition to standard medical expenses. Beneficiaries can now finish these medical procedures without having to spend further money, which is a major financial relief.
     
• Features
  The Chief Minister's Comprehensive Health Insurance Scheme has a number of features that can come in handy in an emergency. Let’s look at them below-
  • Pay Online Claims
    Participants in this health insurance plan are not obliged to pay a fee upfront when obtaining care in a recognised hospital. This is immensely helpful to the beneficiary because it relieves them of the burden of finding a way to pay for their treatment. The patient's health and recovery can be their primary focus.
     
  • 24/7 support
    A fully operational call centre has been set up to handle a range of questions regarding Amma Health Insurance. If someone has any problems with the offered health insurance, they can easily hunt for a solution.
     
  • Family-floater plan
    Amma health insurance is a family-floater health insurance plan. Under this plan, all registered members of an eligible family are eligible for health insurance benefits. Potential medical emergencies are not a concern for someone covered by the CM Insurance Scheme.
     

What Is Covered Under The Chief Minister's Comprehensive Health Insurance Scheme(Amma Health Insurance)?

The Amma health insurance plan provides emergency medical assistance in case of financial need. A beneficiary of this health insurance plan is eligible for the following coverage-

• Hospitalisation
  Receiving care at a hospital with empanelled status is free of charge. The treatment, however, ought to be listed among the medical procedures that Amma Health Insurance permits.
   
• Diagnostic Procedures
  During a medical emergency, hospitalisation incurs significant costs, and diagnostic testing often has a hefty price tag. This plan ensured comprehensive coverage of these procedures.
   
• Follow-Up Treatments
  Generally speaking, a commercial health insurance plan does not cover follow-up. However, Amma Kapitu Thittam is the one providing this coverage, further lessening the financial strain associated with medical care.
   

What Is Not Covered Under The Chief Minister's Comprehensive Health Insurance Scheme(Amma Health Insurance)?

Here are the following elements that are not covered under the Chief Minister's Comprehensive Health Insurance Scheme(Amma Health Insurance)-

• This initiative is not available to non-residents of Tamil Nadu.
• Those who earn more than Rs. 1,20,000 a year are not eligible for this scheme.
• This programme is not available to family members who are not listed on their ration card.
• Non-Sri Lankan refugees who do not have proof of citizenship are not eligible for this programme.
• This initiative is not open to migrants from other Indian states who do not have migration certifications from the relevant authorities.
• This programme is not available to orphans or rescued girls who are not connected to any registered or unregistered organisations.

Now, let’s get to know what medical conditions and diseases are covered under the CM’s health insurance scheme!
 

Diseases And Medical Treatments Covered Under CM’s Health Insurance Scheme

The Chief Minister's Comprehensive Health Insurance Scheme covers several treatments and medical procedures. Let’s look at the comprehensive list of medical treatments covered under the plan-

• Bariatric surgery
• Obstetric surgery
• Neurosurgery
• Radiation oncology
• Cardiology
• Haematology
• OFMS
• Rheumatology
• Cardiothoracic surgeries
• Hepatology
• Ophthalmology surgeries
• Spine
• Dermatology
• Infectious diseases
• Orthopaedic trauma   
• Stemi
• ENT   
• Interventional cardiology      
• Paediatric intensive care       
• Surgical gastroenterology
• Endocrine surgery     
• Interventional radiology        
• Paediatric surgeries   
• Surgical oncology
• Endocrinology (follow-up procedure)          
• Medical oncology      
• Paediatrics plastic surgery     
• Thoracic medicine
• Gastroenterology       
• Neonatology  
• PMR   
• Vascular surgeries
• Genitourinary surgery
• Nephrology    
• Psychiatry      
• Gynaecology  
• Neurology      
• Pulmonology

It’s vital to understand the eligibility criteria for CMCHIS. Let’s look at it below-
 

Eligibility Criteria For CMCHIS(Amma Health Insurance)

The CM's Comprehensive Health Insurance Scheme is designed for Tamil Nadu citizens who fulfil the required qualifying standards. The applicant's name must be on the family card, and their family's yearly income must be less than Rs. 1,20,000 in order to be eligible for benefits under the scheme. The family head's self-declaration and the required paperwork, including the family card, Aadhar card, and income certificate from the VAO/Revenue Authorities, can be used to verify this eligibility.

The eligible members, their legal spouse, their kids, and their dependent parents are all considered to be part of the family under this arrangement. As long as these people fulfil the requirements, they will be eligible to obtain great healthcare services without having to pay a large amount of money.
 

Documents Required For The Chief Minister's Health Insurance Scheme

Here are the documents necessary for the CM’s health insurance scheme-

• Certificate of income from the Revenue Authorities or the Village Administrative Officer
• Proof of identity
• Aadhar card
• Ration Card (both original and photocopy)
• Address proof
• PAN card (optional)
• Self-declaration from the head of the family

Now, let’s explore the detailed registration process of the CMCHIS below!
 

Registration Process Of CMCHIS

Here is the detailed step-by-step process of the CM’s Health Insurance Scheme-

Step 1: The first step of registration is to get an income certificate. This certificate needs to be obtained from the Village Administrative Officer or Revenue Authorities.

Step 2: Ensure you gather all the required documents like ration card, Aadhar card and income certificate. Then, proceed to the enrollment centre.

Step 3: For verification, you need to present all your documents to the kiosk centre.

Step 4: You need to provide biometric information such as fingerprints, photographs, and eye scans.

Step 5: All of your details will be confirmed, and an e-card will be delivered to you.

Now, let’s delve into the intricate process of claiming your CM health insurance scheme below -
 

How To Claim Your CM Comprehensive Health Insurance Scheme?

Hospitals can provide beneficiaries with cashless medical services by using their smart cards. Hospital administration will forward your bills to a Third-Party Administrator (TPA) for payment. To settle fees and medical costs, they will communicate with the hospital directly. In this method, you can successfully file a claim for the covered amount under the CMCHIS.

You can also track the status of a CMCHIS claim by visiting the Chief Minister Comprehensive Health Insurance Scheme Tamil Nadu website and providing your member ID and password. Furthermore, linking significant documents to one's Aadhaar identification boosts the applicant's credibility, per a government notification. Although it is not necessary, you can use these techniques to link your URN number to your Aadhaar card.
 

How Do You Download The Chief Minister Comprehensive Health Insurance Scheme Card?

The smart card is given to the beneficiaries at the time of enrollment. If you misplace your card, you can download the Chief Minister's Health Insurance card instead. Here's what should be done-

Step 1: Go to the official website-http://www.cmchistn.com/memInstr.php.

Step 2: You need to enter all the necessary information.

Step 3: Make sure you select the “Generate E-Card” option.

Let’s look at the various steps through which you can link your URN and Aadhaar Card!
 

Steps To Link Your Aadhaar Card And URN

Sometimes, the beneficiary's Aadhar card was not linked to the stated URN when they enrolled. This is not a huge worry because one may readily link their Aadhar card with the CMCHIS URN number. Here are the steps-

Step 1: Go to the official CMCHIS website.

Step 2: Click on the beneficiary.

Step 3: Click on the link AADHAAR to URN.

Step 4: You'll be directed to a different page.

Step 5: Enter the URN number into the box.

Step 6: Click the checkbox to select the option of linking your Aadhar card to URN.

Step 7: Click the option “Enroll Now”.

Step 8: Select a family member from the list of beneficiaries.

Step 9: Enter the mobile number associated with the Aadhar card of that family member.

Step 10: Enter your Aadhar card number.

Step 11: Click Submit.

Step 12: Enter the received OTP.

After registering successfully, you will receive a message saying, “Your Aadhar number registered successfully.” However,  if your Aadhar number is already linked, you will get the message "Already Registered."
 

How To Search CMCHIS Member ID?

To look for a member ID, the CMCHIS beneficiary must have either the URN or the ration card number. Here are the steps for searching for a member ID-

Step 1: Go to the CMCHIS website. This is the official website for Amma Health Insurance.

Step 2: Click on the beneficiary.

Step 3: You'll see a list with links to Member search/e-card and ID.

Step 4: Click on the chosen choice.

Step 5: You will be moved to a different page that requests pertinent information, such as your URN number and other details.

Step 6: Complete the form and click 'Search.'

The result for the specified member ID will be presented.

Now, let’s check out the detailed list of the hospitals under the CM Comprehensive Health Insurance Scheme!
 

Chief Minister Comprehensive Health Insurance Scheme Hospital List 2024

Below is the list of the hospitals for the CM Comprehensive Health Insurance Scheme-

You can get the detailed list by clicking here.
 

Address And Toll-free Number for CMCHIS (2024 Updated)

The state government's Chief Minister's Comprehensive Health Insurance Scheme aims to maintain accessibility in every way. The public has access to a variety of contact details in order to guarantee openness and minimal hassle. This is a directory of people who can assist you with your inquiries-

• Toll-free number: 1800-425-3993
• If you are experiencing trouble reaching a call centre representative, you can reach them at the following numbers-
  • 7373004267
  • 7373004924
  • 7373002566
• To file complaints or inquiries, utilise the below addresses-
• Email: cmchis@uiic.co.in, tnhealthinsurance@gmail.com
• Address:
• The Project Director:
  • Tamil Nadu Health Systems Project (TNHSP)
  • 3rd Floor, DMS Annex New Building
  • 259 Anna Salai, Teynampet
  • Chennai – 600 006, Tamil Nadu.
• CMCHIS Project Office:
  • Chief Minister’s Comprehensive Health Insurance Scheme
  • No.226, Om Sakthi Towers,
  • Kilpauk Garden Road, Kilpauk,
  • Chennai-600010, Tamil Nadu
     

To Conclude,

The Chief Minister’s Comprehensive Health Insurance Scheme plays an integral role in providing health coverage to people belonging to the vulnerable sections of society. People living below the poverty line in Tamil Nadu can now access quality healthcare services and financial assistance through the scheme. Additionally, easy enrollment, claim settlement, and helplines also make the scheme more accessible. The CMCHIS has completely revolutionised the healthcare system in Tamil Nadu through its comprehensive coverage and accessibility. Thus, through quality healthcare services and financial assistance, this health insurance scheme protects people with dignity and care during unforeseen medical circumstances. 
 

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