The Chief Minister Comprehensive Health Insurance Scheme, initially launched as Kalaingar Kaappittu Thittam on July 23, 2009, has been operating under the administration of the United India Insurance Company since January 2022 until 2027. This program aims to deliver high-quality healthcare services to eligible individuals by partnering with both government and private hospitals.
Its primary objectives include alleviating financial burdens for enrolled families and progressing towards universal health coverage by establishing effective connections with the public health system. As of January 2022, approximately 1.37 crore families are covered under CMCHIS.
The scheme encompasses a total of 1090 procedures, including 8 follow-up procedures and 52 diagnostic procedures, available across 800 government and 900 private empanelled hospitals. In this article, we will discuss in detail the eligibility, objectives, and significance of this scheme.
What is CMCHIS?
CMCHIS or Chief Minister Comprehensive Health Insurance Scheme is also known as the Amma Health Insurance. The primary objective of the scheme is to facilitate cashless hospitalisation for particular ailments and procedures, offering coverage of up to Rs. 5 lakh per family per year on a floater basis for the specified health conditions.
CMCHIS represents a substantial stride in guaranteeing that marginalised segments of society access necessary healthcare without enduring financial strain, concurrently fostering the availability of high-quality medical services.
Benefits of CM Comprehensive Health Insurance Scheme
Given below are the benefits of this government scheme:
- Extensive protection for medical emergencies: Crafted to offer financial assistance to families grappling with the formidable expenses of healthcare treatments in India, the scheme strives to ease the burden of medical emergencies.
- Large network of hospitals: A prominent advantage of the scheme lies in its sprawling network of empanelled hospitals, ensuring swift access to medical facilities, even in remote areas. This extensive reach enhances the scheme's effectiveness in providing timely healthcare services to beneficiaries.
- Inclusive coverage across various treatments: The scheme boasts comprehensive coverage for a multitude of treatments, ensuring that the beneficiaries do not have to pay out of their pockets. This inclusive approach guarantees that beneficiaries can undergo any treatment covered by the policy without incurring additional costs, thereby rendering healthcare more financially accessible.
- Generous sum insured: With a substantial coverage of up to Rs. 5 lakh per family per policy year, the Chief Minister Comprehensive Health Insurance Scheme offers a considerable safety net.
- Inclusive coverage for additional medical procedures: Diverging from conventional health insurance policies, the scheme extends coverage to follow-up treatments and diagnostic procedures. This inclusive approach eradicates the necessity for beneficiaries to allocate extra funds for these procedures, thereby providing an added layer of financial relief.
