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Chief Minister 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 Health Insurance Scheme.

Chief Minister’s (CM’s) Comprehensive Health Insurance Scheme (CMCHIS) also known as Amma Health Insurance provides close to 65% of low-income families in Tamil Nadu access to world-class healthcare facilities through cashless financial assistance. That way, these people do not have to undergo any financial struggle when seeking assistance during a medical emergency.

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 Health Insurance at any of the empanelled hospitals.

  • Diagnostic Procedures:

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

  • Follow-up Treatment:

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

Features and Benefits of CM’s Comprehensive Health Insurance Scheme

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

Features of CMCHIS

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

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

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

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

  5. Round-the-clock on-call assistance that helps get answers to any doubts related to the Amma Health Insurance scheme

Benefits of CMCHIS

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

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

  3. A beneficiary can get treated for a host of medical problems without paying anything out of his or her pocket.

  4. A high yearly health cover of Rs 5 Lakhs is available to every family as the sum insured

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

Diseases and Treatments Covered Under CM’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.

Bariatric surgery

Obstetric surgery


Radiation oncology





Cardiothoracic surgeries


Ophthalmology surgeries



Infectious diseases

Orthopedic 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

  • Only Tamil Nadu residents or Sri Lankan refugees holding citizenship proof can enroll in the Chief Minister’s Comprehensive Health Insurance Scheme.

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

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

    • Legal spouse of the eligible individual

    • Children until they 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.

How to Apply for CM’s Comprehensive Health Insurance?

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

  1. Request a certificate of income from the administrative officer in your village or revenue authorities

  2. Furnish the specified documents at the enrollment centre of the Amma Health Insurance Scheme

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

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

Documents Required to Apply for CM’s Comprehensive Health Insurance Scheme

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

Besides, you need to provide –

  • 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 center 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.

  1. Visit the CMCHIS website -

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

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

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

  5. Select ‘Enroll Now’

  6. Enter your contact details as per the Aadhaar Card

  7. Enter your Aadhaar Card Number and submit the application

  8. Enter the OTP received on your registered mobile number

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 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, one can download the Maruthuva Kapitu Thittam Card online. Here’s what needs to be done.

  1. Visit

  2. Enter the requested details.

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

And done! The Amma Kapitu Thittam Card is generated and available for download. Complete the process by saving the generated e-card.

How to Download CM’s Comprehensive Health Insurance Application Form

The eligible applicant does not have to download the CM’s Health Insurance application form online. They can visit the enrollment centre, as explained earlier, and apply under the Amma Health Insurance scheme. 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 Rs. 5 Lakhs is provided to all family members. This amount can be used by the registered beneficiaries to avail the benefits of the policy.

Steps to Search for Minimum Electronic Medical Records

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

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

  2. Click on the same of the member.

  3. Select the minimal health record.

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

The form includes the following content:

  • Smart Card URN Number

  • Registered Mobile Number

  • Captcha Code

  • OTP sent to the registered number

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 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 Amma 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.

In case you want to know the network hospitals in your area, the empanelled hospital list is available at

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 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 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.

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Frequently asked questions

  • ✔️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 generates 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 are 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 are 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.

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