Chief Minister Health Insurance Scheme - Amma Kapitu Thittam

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

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.

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.

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 - https://www.cmchistn.com

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 http://www.cmchistn.com/memInstr.php.

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 www.cmchistn.com/hospitalList.php.

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.

Conclusion

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.

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 a pan India network of more than 6500 hospitals with a claim settlement ratio of 94%.  

Health Insurance available on Finserv MARKETS also covers all expenses before and after hospitalization with free ambulance charges and medical check-ups post claim-free years as mentioned in the policy. So, if you are looking to safeguard the health of your loved ones, look no further than the policies on  Finserv MARKETS and purchase a plan today.