Details
The Chief Minister Health Insurance Scheme (CMHIS) in Nagaland is a health insurance scheme that provides financial protection to the citizens of the state against the cost of hospitalization and medical treatment. The scheme is aimed at providing health insurance coverage to the citizens of Nagaland, especially those who are economically weaker and unable to afford quality healthcare services.
Under the CMHIS scheme, eligible beneficiaries are provided with health insurance coverage of up to INR 2 lakh per family per year. The scheme covers the cost of hospitalization, surgical procedures, diagnostic tests, and other medical expenses incurred during the treatment of an illness or injury. The scheme also provides coverage for pre-existing conditions, maternity benefits, and ambulance charges.
Benefits
- All beneficiaries of the scheme are entitled to free and cashless hospitalization care for various ailments including pre-existing conditions/diseases, which can be availed from any empanelled hospital across the country. The treatment will include both surgical and medical procedures and limited day-care packages. However, OPD services and standalone diagnostics investigations will not be covered.
- CMHIS (GEN) beneficiaries will be entitled to more than 1950 medical and surgical packages across 27 major clinical specialties as well as entitlement to General Ward, 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) as well as differential room entitlement as per their employee grade.
Annual Risk Cover/ Sum Insured per family:
- For CMHIS (GEN) beneficiary families, the Sum Insured is Rs. 5,00,000/- (Rupees Five Lakhs Only) per family per annum on a family floater basis, similar to AB PM-JAY.
- For CMHIS (EP) beneficiary families, the Sum Insured is Rs. 20,00,000/- (Rupees Twenty Lakhs Only) per family per annum on a family floater basis.
- Further, for Government employees, any additional expenses beyond the sum insured shall be reimbursed on a case-to-case basis by the State government on recommendation of the State Medical Board.
Eligibility
The Chief Minister Health Insurance Scheme is available to all permanent and indigenous residents of Nagaland. They are divided into two categories CMHIS (GEN) and CMHIS (EP).
Eligible under CMHIS (GEN) Category
- CMHIS (GEN) category includes all Indigenous and/or Permanent residents of the State who are not beneficiaries under the AB PM-JAY or any other publicly funded health insurance scheme of the government and who are not covered under the CMHIS (EP) category.
- CMHIS (GEN) category also includes non-dependant 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.
Eligible under CMHIS (EP) Category
- CMHIS (EP) category includes 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,
- Pensioners,
- Serving Legislators/ Ex- Legislators,
- Employees of State Public Sector Undertakings, Corporations and Autonomous Bodies,
- Workcharge employees (on Scale Pay), and their dependent family members.