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Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) - Amma Kapitu Thittam

The government of India has initiated several healthcare schemes to provide best-in-class healthcare facilities to a number of low-income families in the country. One such health scheme implemented for the betterment of the people in the Indian state of Tamil Nadu is the Chief Minister’s Comprehensive Health Insurance Scheme.

Almost 65% of low-income families in Tamil Nadu get access to world-class healthcare facilities with cashless assistance under the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS), also known as Amma Health Insurance. Due to this, the people of Tamil Nadu do not have to undergo any financial struggle when seeking assistance during a medical emergency.

Features and Benefits of Chief Minister’s Comprehensive Health Insurance Scheme

The following table gives an overview of the features and benefits of Amma Health Insurance:

Features of CMCHIS

Benefits of CMCHIS

All the members of a family can benefit from health insurance offered under CMCHIS in the event of a health-related emergency.

The scheme provides coverage for expensive medical treatments providing economic support to the poor.

The beneficiary is not required to pay in cash when availing treatment, as the entire process is cashless.

A wide hospital network makes it easier for people to approach a hospital nearest to them and reduces any delay in treatment.

Those enrolled can get check-ups, as well as follow-ups at no cost at camps, which are organised by the network hospitals.

A beneficiary can get treated for a host of medical problems without paying anything out of their pocket.

Refugees from Sri Lanka can enrol under this scheme with no limit on their income.

A high yearly health cover of ₹5 Lakh is available to every family as the sum insured.

Round-the-clock on-call assistance that helps get answers to any doubts related to Amma Maruthuva Kapitu Thittam.

Unlike regular health plans, follow-up visits and diagnostic tests are both covered under the scheme.


What Does CMCHIS Cover?

As stated earlier, Amma Health Insurance acts as financial aid for low-income families in Tamil Nadu. The beneficiaries of the scheme can avail the following coverage:

  • Hospitalisation

The hospitalisation and treatment expenses for the ailments specified under the scheme are covered. Beneficiaries can avail the treatment listed under the Amma Maruthuva Kapitu Thittam at any of the empanelled hospitals.

  • Diagnostic Procedures

The cost incurred for diagnostic tests for the specified procedures is also covered under CMCHIS.

  • Follow-up Treatment

The cost for doctor’s consultation or hospital follow-ups during the course of treatment or after, is covered under Amma Health Insurance.

Diseases and Treatments Covered Under Chief Minister’s Comprehensive Health Insurance Scheme

A wide range of medical conditions are covered under the Amma Health Insurance scheme. The following table gives an overview of the same:

Bariatric Surgery

Obstetric Surgery


Radiation Oncology





Cardiothoracic surgeries


Ophthalmology surgeries



Infectious diseases

Orthopaedic trauma



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




Vascular surgeries

Genitourinary surgery









Eligibility Criteria for CM’s Comprehensive Health Insurance Scheme

Only Tamil Nadu residents or Sri Lankan refugees holding citizenship proof can enrol in the Muthalamaichar Kapitu Thittam scheme. The eligibility criteria for the same are as follows:

  • Those with an annual household income of not more than ₹72,000.

  • The family includes the eligible member and their dependents. These members are as follows:

  • Legal spouse of the eligible individual.

  • Children until they are married or attain the age of 25 years (whichever is earlier).

  • Parents

  • Those who have migrated to Tamil Nadu from any other state and reside there for the last six months should carry valid migration certificates.

  • Orphans or girl children rescued from a registered or unregistered organisation are also eligible.

Documents Required to Apply for CM Kapitu Thittam

Carry the following documents at the enrolment centre of Amma Health Insurance:

  • Income Certificate

  • Copy of the Ration Card (carry the original)

  • Self-declaration from the family head

  • Identity proof

  • Address proof

  • Copy of the Aadhaar Card

  • Copy of the PAN Card

How to Apply for Chief Minister’s Comprehensive Health Insurance Scheme?

The CMCHIS enrolment process is simple. If you (the applicant) have all the necessary documents in place, just follow the steps below:

Step 1: Request a Certificate of Income from the administrative officer in your village or revenue authorities.

Step 2: Furnish the specified documents at the enrolment centre of the Amma Health Insurance Scheme.

Step 3: Get them verified by the kiosk operator and proceed to capture your biometrics such as fingerprint, photo, and eye scan.

Step 4: Upon verification and biometric scan, an e-card will be issued shortly.

How to Link Your Aadhaar Card with a URN?

At times, the URN provided at the enrolment centre does not get linked to the beneficiary’s Aadhaar Card. Although it is not a concerning matter, you (the beneficiary) can link your Aadhaar Card with the URN of the scheme. Here’s what you need to do:

Step 1: Visit the CMCHIS website (

Step 2: Select ‘Beneficiary’ and click on ‘Link Aadhaar to URN’.

Step 3: You will be redirected to a new webpage. Enter your URN number.

Step 4: Check the box with the option to link your Aadhaar Card to the URN.

Step 5: Select ‘Enrol Now’.

Step 6: Enter your contact details as per the Aadhaar Card.

Step 7: Enter your Aadhaar Card number and submit the application.

Step 8: Enter the OTP received on your registered mobile number.

Step 9: Doing so will help you link your Aadhaar Card to the URN and a success message will be displayed on the screen.

How to Download the Amma Kapitu Thittam Card?

As stated earlier, the smart card is issued to the beneficiaries at the time of enrolment. In case the card is lost, you can opt for Chief Minister’s Health Insurance card download. Here’s what needs to be done:

Step 1: Visit the official Maruthuva Kapitu Thittam website (

Step 2: Enter the requested details.

Step 3: Select the ‘Generate E-Card’ option.

In this way, you can complete the Kalaignar Kapitu Thittam Card online application process and generate it for download. Finish the CMCHIS online card procedure and save the generated e-card.

Validity and Maximum Coverage Limit of Kapitu Thittam

The Chief Minister’s Comprehensive Health Insurance Scheme is valid for one year and then needs to be renewed by the policyholder. A maximum coverage amounting to ₹5 Lakh is provided to all family members. This amount can be used by the registered beneficiaries to avail the benefits of the policy.

How to Search for a CMCHIS Member ID?

If you want to search your CMCHIS member ID, you must have the ration card or URN number of the eligible person. Here are the steps to follow to search member ID:

Step 1: Visit the CMCHIS website and click on ‘Beneficiary’.

Step 2: A list containing links for member search/e-card and member ID will be displayed. Select the desired option.

Step 3: You will be redirected to a new page. Fill in the displayed form to access the member ID. The form includes the following content:

  • Smart Card URN Number

  • Registered Mobile Number

  • Captcha Code

  • OTP sent to the registered number

Step 4: Click on ‘Search’ once you have filled the form.

Step 5: The CMCHIS member ID will be displayed.

How to Access Beneficiary’s Minimum Electronic Medical Records?

If you want to access the minimum electronic medical records for yourself or any other family member, follow the steps below:

Step 1: Visit the CMCHIS website and go to the ‘Claims’ section.

Step 2: Select the ‘Beneficiary’ option.

Step 3: Click the ‘Minimal Health Record’ option.

You will be redirected to a new page with a form. Fill in the displayed form to access the medical records.

How to Claim CM’s Comprehensive Health Insurance Scheme?

You can avail cashless treatment at a wide range of empanelled network hospitals by showing the Amma Kapitu Thittam Card issued to you at the time of enrolment. Since the CMCHIS claim process is ideally cashless, you do not have to pay anything at the hospital from your pocket. However, it is essential to present the Muthalamaichar Kapitu Thittam card at the hospital at the time of availing the benefits under the scheme.

The empanelled hospital where you are seeking the treatment will send the bills to the Third-Party Administrator (TPA) or the authorities directly, for settlement. The hospitalisation and treatment expenses incurred will be settled directly with the hospital. You do not have to pay any additional charges from your pocket.

CM’s Comprehensive Health Insurance Scheme Package List

The CMCHIS scheme covers a wide array of procedures. You can visit to access the complete package list of the scheme.

Chief Minister Comprehensive Health Insurance Scheme Hospital List

In case you want to know the network hospitals in your area, the empanelled hospital list is available at Here are some of the hospitals with the hospital ID and score:

Hospital ID

Name of the Hospital

Name of District/City




Agarwals Eye Hospital, Hosur





Dr Agarwal Eye Hospital





Apollo Children's Hospital





Sankara Eye Hospital, Kancheepuram - TN.





Cancer Institute Adyar, Chennai - TN.





Aravind Eye Hospital





Vasan Eye Care





Coimbatore Bone & Joint Foundation (P) Ltd





Abhirami Hospital





JC Ganesan Hospital





Acchutha Eye Care





CMCHIS Helpline

For any queries regarding CMCHIS, you can dial the toll-free number 1800-425-3993 and talk to a call centre executive. Besides, you can contact these numbers as well- 7373004267 / 7373004924 / 7373002566. Complaints can be mailed to or To visit in person or send a mail, the address is as follows:

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

Use the following information to contact the Chief Medical Officers as per your district:


Medical Officer

Contact Number

Email Address

Ariyalur, Coimbatore, Erode, Krishnagiri, Nagapattinam, Perambalur, Salem, The Nilgiris, Tiruppur, Tiruvarur, Vellore, Villupuram

Dr. Prem Sagar

7373004648/ 9840197538

Chennai, Dindigul, Kancheepuram, Karur, Namakkal, Sivagangai, Theni, Tiruchirapalli, Tiruvallur, Virudhunagar

Dr. Eyeshwarya Raj


Cuddalore, Dharmapuri, Kanyakumari, Madurai, Pudukottai, Ramanathapuram, Thanjavur, Tirunelveli, Tiruvannamalai, Tuticorin

Dr. Sree Ganesh

7373004372/ 9840329081

While the Chief Minister’s Comprehensive Health Insurance Scheme is a good initiative to expand the reach of quality healthcare to the masses, the rise in treatment costs of chronic illnesses demands that you be prepared financially for whatever the future might bring.

That is why health insurance available on Finserv MARKETS gives you the choice to choose a health cover as high as ₹50 Lakh, personalised for you in tune with your family’s requirements. Enjoy cashless facilities across India and opt for the best healthcare facility.


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FAQs on Chief Minister’s Comprehensive Health Insurance Scheme

✔️Who can enroll under CMCHIS?

The head of family, spouse(legal), dependants such as parents and children of the beneficiary can undergo enrollment.

✔️Are claims for reimbursement allowed?

No, a beneficiary can only avail cashless claims at a hospital empanelled under CMCHIS.

✔️Are dental treatments included?

Yes, CMCHIS covers dental procedures.

✔️How to download the Amma Kapitu Thittam card?

In case you lose your smart card, you can  download it online by going to the CMCHIS website and entering beneficiary details. Remember to save the e-card once it is generated online.

✔️Can the CMCHIS application form be downloaded?

A person who wants to enroll in the Chief Minister health insurance scheme needs to carry the necessary documents to the enrollment center.

✔️Which is the list of hospitals under Chief Minister Comprehensive Health Insurance Scheme?

The list of various hospitals empanelled under the Amma health insurance scheme can be accessed by visiting

✔️What are the steps to find CMCHIS member ID?

Visit the CMCHIS website and initiate a search for the member by entering URN details or ration card details as requested.

✔️What is the list of packages covered under CMCHIS?

Refer to the official website of the Chief Minister health insurance scheme for a detailed list of all the procedures that are covered under it.