Chief Minister's Comprehensive Health Insurance Scheme

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.

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

The CMCHIS enrollment 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 enrollment centre of the Amma Health Insurance Scheme.

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

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

Features & Benefits of Chief Minister's Comprehensive Health Insurance Scheme

Some of the key features of the Chief Minister's comprehensive health insurance plan are - 

• Coverage for Family Members - CM health insurance offers coverage for medical services and treatments to all your family members, in the form of a family floater plan.

• Cashless Treatments - You along with your family members can enjoy cashless treatments at the empanelled hospitals without any hassle.

• 24*7 Availability - The medical services and treatments under the CM health insurance are available 24*7 for you and your family members.

• Medical Camps - Under the CM health insurance scheme, all the empanelled hospitals organise monthly health camps.

• Assistance for Refugees - The Srilankan refugees are also eligible to avail the benefits of the scheme without any income restrictions.

Some of the benefits of the Chief Minister's comprehensive health insurance plan are - 

• Healthcare Facilities for EWS - The EWS (Economically Weaker Section) of society can avail the healthcare facilities for crucial and complicated diseases without any financial stress.

• Intensive Network of Hospitals - The CM health insurance scheme has a wide network of hospitals that render seamless medical services and treatments to patients during emergencies.

• Coverage for Medical Treatments and Facilities - The CM health insurance scheme offers cashless treatments for almost every disease to its beneficiaries.

• Insured Sum  - You can avail up to ₹5 Lakhs annually for treatments and medical facilities.

• Add-on Benefits - General health insurance plans do not offer additional perks and benefits like diagnostics tests, follow-ups, etc. however, Chief Minister's comprehensive health insurance does offer these add-on benefits to you and your family members.

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 & Treatments Covered Under Chief Minister’s Comprehensive Health Insurance Scheme

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

Eligibility Criteria for CM’s Comprehensive Health Insurance Scheme

Only Tamil Nadu residents or Sri Lankan refugees holding citizenship proof can enroll in the Muthalamaichar Kapitu Thittam:

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

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

  1. Legal spouse of the eligible individual

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

  3. 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 Amma Kapitu Thittam

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

• Income Certificate

• Ration Card copy (carry the original copy)

• Self-declaration from the family head

• Identity Proof

• Address Proof

• Aadhaar Card copy

• PAN Card copy

How to Link Your Aadhaar Card with a URN

At times, the URN provided at the enrollment 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 (https://www.cmchistn.com). 

• 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 enrollment. In case the card is lost, you 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 (http://www.cmchistn.com/memInstr.php).

• 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.

How to Download CM’s Comprehensive Health Insurance Application Form

The eligible applicant does not have to download the Chief Minister’s Health Insurance application form online. They can visit the enrollment centre, as explained earlier, and apply under CM Kapitu Thittam. Upon successful enrollment, a smart card is issued to the beneficiaries, which can be used to avail the benefits of the scheme.

Validity & 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 Lakhs 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:

1. Smart Card URN Number
2. Registered Mobile Number
3. Captcha Code
4. 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 Access Beneficiary's Minimum Electronic Medical Records

The access to the minimum electronic medical records of the beneficiary or their family members under the CM health insurance - 

• Open the CMCHIS portal 

• Under the ‘Claim’ section, select ‘Beneficiary’ option

• Click on the ‘Minimal health record’ option. You will be redirected to a new page with the form.

• Fill in all the necessary details and click on ‘submit’

The beneficiary details will be displayed on the screen.

Chief Minister Comprehensive Health Insurance Scheme Hospital List

Here are a few hospitals that are associated with the CMCHIS scheme:

How to Claim on 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 enrollment. 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 https://www.cmchistn.com/prate.php to access the complete package list of the scheme.

Contact Details

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 cmchis@uiic.co.in or tnhealthinsurance@gmail.com. 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.

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