CMHIS Nagaland – Chief Minister Health Insurance Scheme

Explore the benefits, inclusions, eligibility criteria, application process, claim, and other details related to CMHIS Nagaland.
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3 min
29-03-2024

Intending to ease the financial burden of hospitalisation costs and ensure access to medical care regardless of affordability, the State government launched the Chief Minister Health Insurance Scheme (CMHIS) in Nagaland. CMHIS stands out as one of the pioneering State-specific welfare programs, providing every citizen with access to free and cashless treatment for a range of ailments. This initiative plays a crucial role in reducing the risk of impoverishment stemming from hospital expenses, while also advancing the availability of quality and affordable healthcare services.

In this article, we will discuss the benefits, coverage, eligibility, application process, and more about the Chief Minister Health Insurance Scheme in Nagaland.

Nagaland Chief Minister Health Insurance Scheme – An overview

Scheme name Chief Minister Health Insurance Scheme (CMHIS) – Nagaland
Launched on 14th October, 2022
Objective Aims to provide quality healthcare services for the citizens of Nagaland, especially from the weaker sections of the society
Coverage Eligible beneficiaries get health insurance coverage up to Rs. 5 lakh*
Website https://cmhis.nagaland.gov.in/


Benefits of Nagaland CMHIS

The inception of the Chief Minister Health Insurance Scheme marks a significant stride towards fulfilling Nagaland's 2030 Sustainable Development Goal, inaugurated in August 2021. This goal aims to ensure equitable, affordable, and quality healthcare services for all Nagaland citizens by the year 2030. Given below are the benefits of Chief Minister Health Insurance Scheme Nagaland:

  • Every participant in the program is eligible for cost-free and seamless hospitalization services encompassing a range of conditions, including pre-existing illnesses, accessible at any affiliated hospital nationwide.
  • The coverage extends to both surgical and medical interventions as well as specific day-care packages. Outpatient department (OPD) services and independent diagnostic investigations are not included within the scope of the scheme.
  • The scheme includes services for preventive and primary care, which play a crucial role in early detection and management of health issues, thereby reducing the risk of chronic diseases and potential long-term healthcare expenses.

Coverage for CMHIS Nagaland

There are two categorisations under the Chief Minister Health Insurance Scheme Nagaland. Given below are the coverage details for the same:

CMHIS (GEN) Beneficiaries will have access to over 1950 medical and surgical packages spanning 27 primary clinical specialties, along with entitlement to General Ward facilities, akin to AB PM-JAY.Sum insured is Rs. 5 lakh per family per annum on a family floater basis, 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).Sum insured is Rs. 20 lakh per family per annum on a family floater basis.


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Eligibility criteria for Chief Minister Health Insurance Scheme Nagaland

Details about the eligibility for CMHIS Nagaland is given below:

CMHIS (GEN)
  • All indigenous and/or permanent residents of the state who are not beneficiaries under the AB PM-JAY or any other publicly funded government health insurance scheme.
  • Non-dependent family members of CMHIS (EP) categories.
  • Employees without PIMS number, contractual, ad-hoc, fixed pay employees of the State government and contractual employees under various CSS, and their household members.
CMHIS (EP)

State government employees who are eligible for monthly Medical Allowance (MA) and or reimbursement of medical expenses under the Medical Reimbursement scheme viz

  • Regular employees PensionersServing legislators/ Ex- legislators.
  • Employees of State Public Sector Undertakings, Corporations and Autonomous Bodies.
  • Workcharge employees (on Scale Pay), and their dependent family members.


Application process for CMHIS Nagaland

Step 1: Begin the process by registering for the Chief Minister’s Health Insurance Scheme (CMHIS) Nagaland.
Step 2: Complete the application form thoroughly, providing all necessary information such as personal details, family particulars, income information, and medical history.
Step 3: Once the application form is filled, submit it along with the required documents to either the nearest Common Service Center (CSC) in your locality or the designated empanelled hospital.
Step 4: The CSC or the empanelled hospital will review the submitted application form and documents, and subsequently, upload the details onto the online portal.
Step 5: Following the upload, the insurance provider will assess the application, determining approval or rejection based on the specified eligibility criteria.

Read more: Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Documents required for Chief Minister Health Insurance Scheme Nagaland

Given below is the list of mandatory documents required for Chief Minister Health Insurance Scheme (CMHIS) Nagaland:

Documents for CMHIS (GEN) category:

  • Mobile number
  • Indigenous Inhabitant Certificate (IIC) or Permanent Residential Certificate (PRC) issued by the competent authority of the respective district Administration after 2016.
  • Ration Card holders must get their e-cards issued using their ration card in the BIS portal directly without registering in the CMHIS Portal.

Documents for CMHIS (EP) category:

For pensioners:

  • Valid mobile phone number.
  • First three pages of the pensioner’s PPO book indicating PPO number, last pay scale, or designation of the post held or last pay is drawn prior to retirement.

For government employees:

  • Valid mobile phone number
  • PIMS code

For dependent family members:

  • Proof of relationship
  • Disability certificate, for people with disability

The Chief Minister's Health Insurance Scheme in Nagaland represents a pioneering initiative aimed at providing comprehensive health coverage to the state's permanent residents. By aligning with Ayushman Bharat, the central government's scheme, it extends its reach to ensure more individuals can avail themselves of its benefits.

Related Govt Schemes

ABHA Card

Beneficiary NHA

Pradhan Mantri Jeevan Jyoti Bima Yojana

Frequently asked questions

Is it possible for an AB PM-JAY beneficiary to register for the CMHIS scheme?
No, an AB PM-JAY beneficiary is ineligible for enrollment under CMHIS.
How can I check my eligibility for the CMHIS scheme?
To determine your eligibility for the CMHIS scheme, you may visit the official website of the Health and Family Welfare Department of Nagaland, reach out to the empaneled hospitals and healthcare providers administering the scheme, or visit the closest Common Service Center (CSC) in your vicinity.
Can I renew my policy after it expires?
Yes, you can renew your Chief Minister Health Insurance Scheme Nagaland policy after it expires.
What does the Chief Minister's Health Insurance Scheme cover?
Under the Chief Minister's Health Insurance Scheme, families receive coverage for medical treatment amounting to Rs. 5 lakh per year. This coverage encompasses hospitalisation expenses, medical consultation fees, laboratory tests, and other relevant medical expenses incurred during treatment.
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