बड़ी खबर, मुख्यमंत्री स्वास्थ्य बीमा योजना 2025 में हुआ बड़ा बदलाव, जानिए कैसे करें आवेदन

Chief Minister Health Insurance Scheme, Millions of people in Tamil Nadu, a state in south India, will soon have access to top-notch medical treatment thanks to the Chief Minister’s Comprehensive Health Insurance Scheme. With almost 65% of the state’s population participating in health insurance, the program is clearly working. A variety of Amma Health Insurance-related information is compiled in this article. Continue reading to learn more about the plan.

What Is CM’s Health Insurance Scheme (CMCHIS)?

Low-income, underprivileged families are the target audience for the Amma Health Insurance program. When a medical emergency arises, people don’t have to worry about money because of the “Amma Maruthuva Kapitu Thittam.” With the use of cashless services, this TN CM Insurance Scheme provides coverage for the whole family.

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What Does CMCHIS (Amma Health Insurance) Cover?

In the event of a medical emergency, the Amma health insurance plan provides financial assistance. The following coverage is available to a beneficiary of this health insurance plan:

1. Hospitalization:

Coverage includes treatment in an empanelled hospital. However, the treatment needs to be on the list of medical treatments covered by Amma Health Insurance.

2. Diagnostic Procedures:

During a medical emergency, hospitalization costs a significant portion of the budget. However, diagnostic testing also cost a significant amount of money. The plan includes coverage for these treatments.

3. Follow-up Treatments:

Typically, commercial health insurance plans do not cover follow-up. However, Amma Kapitu Thittam is the name under which this coverage is provided. This significantly lessens the financial strain of medical care.

Features Of Chief Minister Comprehensive Health Insurance Scheme:

1. Family-floater Plan:

One kind of family-floater health insurance plan is Amma Health Insurance. Under this plan, health insurance benefits are available to all registered members of an eligible family. When protected under the TN CM Insurance Scheme, future medical crises are not a concern.

2. Cashless Claims:

Beneficiaries of this health insurance plan are exempt from paying for care at a participating hospital. The beneficiary really benefits from this as they don’t have to worry about finding the funds for therapy. They are able to concentrate on the patient’s welfare.

3. Frequent Heath Camps:

Panelled hospitals must host health camps at least once a month. Frequent follow-up treatments and free examinations are available to the beneficiary.

4. Coverage for Sri Lankan refugees:

The wage of a Sri Lankan refugee is not restricted to Amma Health Insurance enrollment. Thus, he or she can receive seamless medical care at the preferred facility.

5. 24×7 Assistance:

A live call center has been established to address any questions clients may have about Amma Health Insurance. A person can readily look for a remedy if they run into any issues with the health insurance that is being provided.

6. High Sum Insured:

Good health insurance coverage up to The CMCHIS coverage offers Rs. 5 lakhs for every enrolled household annually. Beneficiaries can receive treatments and operations for serious illnesses thanks to this comparatively high coverage amount without having to worry about incurring excessive medical costs or using up all of their insurance. In order for economically disadvantaged households to access healthcare services, it acts as an essential financial safety net.

7. Wide Network of Hospitals:

In order to offer policyholders cashless medical care, CMCHIS has partnered with several hundred hospitals around Tamil Nadu. Primary health centers, assisted living facilities, and multispecialty hospitals spread throughout towns and districts are all part of this extensive network. In the event of a medical emergency, this vast network guarantees that registered families can quickly and easily receive high-quality healthcare in their hometown, avoiding the challenges and costs associated with long-distance travel. Beneficiaries’ financial burden is considerably lessened by these partner hospitals’ cashless services.

Benefits Of Amma Health Insurance (CM’s Health Insurance Scheme):

Enrolling in CMCHIS entitles you to the following advantages:

1. Coverage For Medical Emergencies:

Due to the rising expenses of medical care in India, several families lack the funds necessary to deal with a medical emergency. One step in removing this obstacle and providing access to premium medical care is the Amma Health Insurance plan.

2. A Huge Number Of Network Hospitals:

Numerous hospitals have been granted authorization to provide services under Amma Health Insurance. People benefit from this since it allows them to get to a medical center more quickly. Consequently, in an emergency, timely care is guaranteed.

3. Multiple Treatments Are Covered:

Amma Health Insurance covers a wide range of therapies. Beneficiaries are less likely to have to pay out of pocket as a result. They are entitled to free treatment for any condition covered by the coverage.

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4. High Sum Insured:

Every policy year, CMCHIS offers each family a high coverage of 5 lakh rupees. This sum covered appears to be adequate to cover the majority of minor medical procedures.

5. Additional Coverages:

Diagnostic procedures and follow-up treatments are not usually covered by a standard health insurance policy. Amma Health Insurance, however, covers these. Therefore, it is not necessary to incur additional costs for diagnostic procedures or follow-up therapies.

Diseases And Treatments Covered Under CM’s Health Insurance Scheme:

This health insurance plan covers a wide range of treatments for different illnesses. The list of medical procedures covered by the plan is as follows.

Bariatric surgery	Obstetric surgery	Neurosurgery	Radiation oncology
Cardiology	Hematology	OFMS	Rheumatology
Cardiothoracic surgeries	Hepatology	Ophthalmology surgeries	Spine
Dermatology	Infectious diseases	Orthopaedic trauma	Stemi
ENT	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
Gastroenterology	Neonatology	PMR	Vascular surgeries
Genitourinary surgery	Nephrology	Psychiatry
Gynaecology	Neurology	Pulmonology

Eligibility Criteria For CM’s Health Insurance:

For impoverished families who would not have access to the necessary medical services, the Chief Minister’s Comprehensive Health Insurance Scheme was developed. A individual must rigorously meet the eligibility requirements in order to participate in this plan. The conditions are as follows:

• The family must be Tamil Nadu residents.
• The annual revenue should not exceed Rs. 72,000.
• The individual ought to be listed on the family’s ration card.
• With proof of citizenship, the applicant can be a refugee from Sri Lanka.
• migrants from other Indian states who have been in Tamil Nadu for at least six months and have migration certifications from the appropriate authority.
• girls who have been rescued or are orphans from any group, whether licensed or not.

How To Enroll In Chief Minister’s Comprehensive Health Insurance Scheme?

CMCHIS enrollment is not a difficult process. If the applicant has all the necessary paperwork, it can be completed quickly. It is also simple to retrieve the documents. The enrollment procedures are as follows:

• Obtain an income certificate from the revenue authorities or village administrative officer.
• Bring all necessary paperwork to the enrollment office.
• Request that the kiosk operator check the paperwork.
• After that, your fingerprints, photo, eye scan, and other biometric data will be captured.
• Your e-card might be issued following biometric scanning and verification.

Documents Required To Apply To CM’s Health Insurance:

To apply for the CM’s health insurance coverage, you must primarily have the following items:

• Income Certificate
• Ration Card (a copy and original both)
• Self-declaration from the head of the family

Additionally, the following paperwork should be brought with you when you enrol.

• Proof of identity
• Address proof
• Aadhar card
• Pan card

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The bottom Line

For low-income families in Tamil Nadu, the Chief Minister’s Health Insurance Scheme offers crucial health insurance coverage. This enables individuals to receive high-quality medical care without worrying about the expense. The program is also more accessible thanks to helplines, claim settlement, and simple enrollment. To guarantee the appropriate wellbeing of the populace, the state’s invaluable assistance is necessary.

Faq’s

Q. What is the highest amount of coverage that CMCHIS offers?

Ans: The annual maximum coverage under the CMCHIS policy is Rs 5 lakhs for each enrolled family.

Q. How can someone find out if they qualify for the CMCHIS program?

Ans: On the official CMCHIS website or at the closest enrollment centre, you can review the government-established eligibility requirements for elements like income, evidence of residency, ration card, etc.

Q. Which members of the family can enrol in CMCHIS?

Ans: Family members who earn less than 72,000 rupees a year, including the head of the household, the legal spouse, the eligible person’s children, and dependent parents, are eligible to enrol in the program.

Q. What paperwork is required for CMCHIS enrollment?

Ans: Income certificates, ration cards (original and copies), self-declarations by household heads, proof of identification, proof of address, Aadhar cards, and PAN cards are the primary papers needed for yearly income over the taxable limit.

@PAY