Chief Minister Comprehensive Health Insurance Scheme: 7 Benefits Of CMCHIS Online
The Tamil Nadu Government launched the Chief Minister Comprehensive Health Insurance Scheme (CMCHIS), also known as Amma Health Insurance, through the United India Insurance Company Ltd. The scheme aims to provide quality health care to all eligible individuals through various enlisted Government and private hospitals. The scheme has benefitted more than 65% of low-income families in Tamil Nadu.
The TN CM health insurance scheme aims to reduce the financial burden on the enlisted individuals and help them shift to universal health coverage linked to the public health system. Read this blog to get a detailed overview of the Chief Minister Comprehensive Health Insurance Scheme, what it covers, eligibility criteria, and more.
What is CMCHIS?
The Amma Health Insurance scheme or CMCHIS was launched by the Tamil Nadu government to reduce the finial burden for low-income families during any medical scheme. Based on cashless facilities, the health insurance scheme provides extensive coverage for hospitalisation, follow-up treatments and diagnostic treatments.
Features and Benefits of Chief Minister Comprehensive Health Insurance Scheme
The Amma Maruthuva Kapitu Thittam scheme brings forth several features and benefits for underprivileged people. A few of them are as follows:
- Works as a Family Floater Plan: The insurance scheme works similar to a family floater plan. This means all the members of the family could be insured under a single TN CM Insurance Scheme.
- Frequent Health Camps: Empanelled hospitals are required to set up frequent health camps. Beneficiaries can get free checkups and treatment follow-ups in these camps in a completely cashless manner.
- Sri Lankan Refugees are Eligible: Sri Lankan refugees can sign up for this scheme provided they have a valid ID card. There’s no income cap enrol for the Amma Health Insurance scheme.
- Large Number of Network Hospitals: A wide network of hospitals are empanelled to provide services under Amma Health Insurance. So, during any medical emergency, it’s easier for the patient party to admit their family member to a hospital offering such services.
- 24/7 Assistance: There’s an active call centre that’s set up to address queries pertaining to the Amma Health Insurance scheme. So, in case you have a doubt regarding the scheme, you can call the toll free number – 1800-425-3993.
- Cashless Facility: You can undergo a wide range of treatment in a completely cashless manner in any of the network hospitals if you have signed up for CMCHIS.
- Rs.5 Lakh Sum Insured: Amma Health Insurance Scheme offers Rs.5 lakh of coverage to each family in every policy year.
Chief Minister Comprehensive Health Insurance Scheme Coverage
The Amma Maruthuva Kapitu Thittam scheme offers coverage for the following expenses:
1. Hospitalisation expenses
CMCHIS covers all hospitalisation and medical expenses as mentioned at any of its network hospitals.
2. Diagnostic expenses
This scheme also covers the cost incurred in diagnostic tests.
3. Follow-up treatment
Any cost related to doctor’s consultation fees or hospital follow-ups gets covered under this scheme.
This insurance scheme covers the following diseases and treatments as mentioned here:
| Obstetric Surgery | Neurosurgery | Bariatric Surgery | Radiation Oncology |
| Hepatology | Ophthalmology Surgeries | Cardiology and Gynaecology | Rheumatology |
| Hematology | OFMS | Dermatology | Spine |
| Infectious Diseases | Orthopedic trauma | Cardiothoracic Surgeries | STEMI |
| Interventional Cardiology | Pediatric intensive care | Dermatology | Surgical Oncology |
| Interventional Radiology | Pediatric surgeries | ENT | Vascular Surgeries |
| Medical Oncology | Paediatrics plastic surgery | Endocrine Surgery | Thoracic Medicine |
| Neonatology | PMR | Endocrinology (follow up procedure) | – |
| Nephrology | Pulmonology | Gastroenterology | – |
| Neurology | Psychiatry | Genitourinary Surgery | – |
CMCHIS Eligibility Criteria
There are a few Chief Minister’s Comprehensive Health Insurance Scheme eligibility norms that you must adhere to:
- The applicant should be a resident of Tamil Nadu
- Household annual income should be less than Rs.72,000
- Migrants from other states are also eligible for the scheme provided they have resided in Tamil Nadu for more than 6 months
- A request letter and eligible member’s list from the labour department are mandatory
- Orphans or rescued girls from any registered or unregistered organisation are eligible
- The member’s name should be there on the concerned family’s ration card
Also Read: What to keep in mind when buying a health insurance policy?
CMCHIS List of Network Hospitals
CMCHIS has a large number of network hospitals under its umbrella. In order to check the complete list of registered hospitals under CMCHIS, click on this link: https://www.cmchistn.com/hospitalList.php
How to Claim CMCHIS
CMCHIS offers a cashless facility, which means the beneficiary doesn’t have to pay the hospital bills in cash. However, to avail of cashless claim benefits, the member has to undergo treatment in one of the network hospitals.
However, you have to produce the Maruthuva Kapitu Thittam Card to the hospital for cashless settlement. This card is usually handed to the beneficiary at the time of enrolment. Upon verifying the card, the information is then relayed to the TPA or Third Party Administrator. The claim amount is then settled between the TPA or insurance company and the hospital authority.
How to Apply for CMCHIS?
The Chief Minister Comprehensive Health Insurance Scheme (CMCHIS) application process is simple and easy, as mentioned here:
Step 1: First, collect an income certificate from the Revenue authorities or Village Administrative officer.
Step 2: You must carry all the documents to the enrollment centre.
Step 3: Your documents will then get verified by the kiosk operator.
Step 4: Now, all biometric details like fingerprints, eye scans, photographs, etc., will get captured.
Step 5: After verifying all the documents and biometric scanning, the Chief Minister Comprehensive Health Insurance Scheme card will get generated.
How to Link an Aadhaar Card with a URN
Make sure that your Aadhaar card is linked to the URN that’s provided at the time of enrolment. In case it’s not linked, follow the steps below:
Step 1: Visit the official website of CMCHIS
Step 2: Select Beneficiary and click on ‘Link Aadhaar to URN’
Step 3: You will be redirected to another page. Enter your URN number.
Step 4: Tick the box with the option to link your Aadhaar card to URN and select ‘Enrol Now’
Step 5: Enter your contact details as given in the Aadhaar card
Step 6: Enter your Aadhaar Card Number to complete the application process
Step 7: Once done, you will receive an OTP on your registered mobile done
Upon entering the OTP, you will get a message that reads “Your Aadhar number registered successfully.’’
How to Download Amma Kapitu Thittam Card
In case you lose your card issued at the time of enrolment, you can initiate the e-card download online. Check the steps for the Maruthuva Kapitu Thittam Card download below:
Step 1: Visit CMCHIS’s official website and navigate to the designated portal.
Step 2: Enter all the beneficiary’s details along with URN or Ration Card Number.
Step 3: Next, click on ‘Generate e-card’.
To conclude the Chief Minister Comprehensive Health Insurance Scheme card download process, save the e-card file.
Also Read: All You Need To Know About PMJAY: Eligibility, Coverage And Benefits
CMCHIS Mandatory Documents Required
There are a few required documents that individuals must provide to apply for the scheme. These are:
- Income certificate
- Original and copy of ration card
- Self-declaration from the family’s head.
Individuals may also need to submit additional documents, such as –
- Identity proof
- Aadhar Card
- Address proof
- PAN Card
Once the application process is complete and the CMCHIS card is generated, check the hospital list covered under the scheme to optimise benefits.
How to Download CM Health Insurance Application Form
You don’t need to download any application form separately for Amma Health Insurance or CMCHIS. You can directly visit your nearest Amma Health Insurance enrollment centre with the required documents and apply for CM Kapitu Thittam. Upon successful enrollment, you will be given a smart card, which you can use to avail of the insurance scheme benefits.
How to Search for Minimum Electronic Medical Records
Follow these steps to search for the beneficiary’s minimum electronic medical records:
- Visit the official website of CMCHIS
- Click on Beneficiary/the name of the member
- Click “Minimal Health Record”
- You will be redirected to a new page
- Fill in the form to access beneficiary’s medical records
Below is the list of a few hospitals with hospital ID, district, score and grade
| Hospital ID | Name of the Hospital | Name of District/City | Score | Grade |
| 1 | Agarwals Eye Hospital, Hosur | Krishnagiri | 14 | S2 |
| 5 | Dr Agarwal Eye Hospital | Chennai | 41 | S1 |
| 2 | Apollo Children’s Hospital | Chennai | 41 | S1 |
| 24 | Aravind Eye Hospital | Coimbatore | 51 | S1 |
| 37 | Vasan Eye Care | Dharmapuri | 21 | S2 |
| 32 | Abhirami Hospital | Cuddalore | 28 | S2 |
| 3 | Cancer Institute Adyar, Chennai – TN. | Chennai | 51 | S1 |
| 1184 | JC Ganesan Hospital | Madurai | 23.5 | S2 |
CMCHIS Toll-free Number and Address
In case you have doubts regarding Chief Minister’s Comprehensive Health Insurance Scheme, you can use these details to address your queries.
For calls, you can use the toll-free number mentioned below:
Toll-Free Number: 1800-425-3993
Alternatively, you can use these numbers in youse the toll-free number isn’t getting through: 7373004267, 7373004924, 7373002566.
For queries or grievances use the following addresses:
Email: [email protected]
Or
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
Final Word
The Chief Minister’s Comprehensive Health Insurance scheme, thus, offers financial cover to low-income groups against medical expenses. This scheme offers quality healthcare services to the masses via a huge network of hospitals under it. However, individuals failing to meet the eligibility requirements for the scheme can also opt to avail of the Navi health insurance plan at an affordable premium payment. Download the Navi App today and avail a health insurance plan in a matter of seconds!
FAQs on Chief Minister Comprehensive Health Insurance Scheme
Ans: The objective of PMJAY-CMCHIS is to facilitate cashless and paperless treatment to low-income groups by providing financial coverage of up to Rs. 5 lakh for each family in a year.
Ans: Empanelled hospitals are the network hospitals under the scheme. A wide range of hospitals in Tamil Nadu offers CHCHIS services.
Ans: The beneficiary does not need to pay an additional charge to obtain the CMCHIS card.
Ans: No, a beneficiary can only opt for cashless claims at hospitals empanelled under CMCHIS.
Ans: Yes, if you’re undergoing dental treatments, you can avail yourself of the benefits of CMCHIS.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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