AI SummaryChief Minister s Comprehensive Health Insurance Scheme provides affordable, high-quality medical care to low-income families through empanelled public and private hospitals across Tamil Nadu, with cashless cover of up to ₹5,00,000 per family per year. As of August 2026 the scheme is being managed through United India Insurance Company and the state government is discussing ways to widen its scope to cover more medical procedures.
Chief Minister s Comprehensive Health Insurance Scheme - Introduction
Chief Minister s Comprehensive Health Insurance Scheme, originally launched on 23.07.2009 as Kalaingar Kaappittu Thittam, is a key pillar of public health in Tamil Nadu. The scheme is currently implemented through United India Insurance Company for the period 2022 to 2027 and covers around 1.48 crore families across the state.
This scheme bridges the gap between citizens and quality medical services by partnering with a large network of government and private hospitals. It aims to remove financial hardship for at-risk households while working toward universal health access. Families residing in Tamil Nadu with an annual income below ₹1,20,000 can access these benefits.
In August 2026 the Tamil Nadu Health Minister said the government is discussing expanding the scope of the scheme to cover a broader range of medical procedures, and a decision is expected soon. This keeps the scheme relevant for families who need treatment for serious illnesses and surgeries.
The extensive medical coverage is detailed in the table below:
| Detail | Information |
|---|---|
| Total Procedures | 1,090 |
| Follow-up procedures | 8 |
| Diagnostic procedures | 52 |
| Government Hospitals | 800 |
| Private Hospitals | 900 |
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Chief Minister s Comprehensive Health Insurance Scheme |
| Level | State |
| Target Beneficiaries | Individual, Family |
| Benefit Type | In-kind |
| Nodal Department | Welfare of Differently Abled Persons Department |
| Primary Objective | Universal Health Coverage |
Benefits
This scheme focuses on making healthcare easy and stress-free for families. The main benefits include:
- Cashless hospitalization for specific ailments and surgical procedures, so families do not have to arrange money at the time of treatment.
- Health insurance cover of up to ₹5,00,000 per family per year on a floater basis, which means the full amount is shared across all members of the family.
Eligibility
To benefit from this scheme, families should meet the following criteria:
- Applicants should be permanent residents of Tamil Nadu and their name must appear on the family card, also known as the Ration Card.
- The total family income should be ₹1,20,000 or less per year. For instance, if a person earns ₹10,000 monthly, the family meets this criteria.
- Applicants should provide a family card, Aadhaar card, and an income certificate issued by the VAO or the relevant Revenue Authorities.
Application Process
Families can apply for this benefit through an offline process by following these simple steps:
STEP 1 - Visit the insurance office at the local Collectorate during office hours and request the official application form.
STEP 2 - Fill in all required information correctly and attach self-attested copies of the supporting documents.
STEP 3 - Submit the completed application in person to the District Differently Abled Welfare Officer.
STEP 4 - Collect an acknowledgement receipt that includes the submission date and a unique ID for future reference.
For any queries, contact the 24-hour toll-free helpline at 1800 425 3993 or email questions to tnhealthinsurance@gmail.com and cmchis@uiic.co.in.
Documents
Keep the following documents ready for the application:
- Valid Ration Card
- National Identity Card for the Differently Abled
- Income Certificate issued by Revenue Authorities
- Aadhaar Card
References
Find more official updates and guidelines here:
FAQ's
What is the purpose of the Chief Minister s Comprehensive Health Insurance Scheme?
This scheme provides universal health care by offering comprehensive insurance cover to differently abled persons and their families in Tamil Nadu.
Who is eligible to benefit from this health insurance scheme?
All differently abled persons and their family members residing in Tamil Nadu are eligible for enrollment.
Are there any income restrictions for enrollment in this scheme?
While the general scheme has income slabs, there are no income restrictions for specific categories such as differently abled persons.
What is the residency requirement for eligibility?
The applying family should be permanent residents of Tamil Nadu, and at least one family member should be a differently abled person.
Is there a specific office to handle grievances?
Yes, families may contact the Assistant Special Officer at the Commissionerate for Welfare of the Differently Abled for any grievances.
Are there any fees or charges associated with enrollment?
No, there are no fees or charges for enrolling in this government health insurance scheme.
Can family members of differently abled persons also enroll?
Yes, the scheme cover extends to all members of the family of the differently abled person.
What type of health services are covered?
The scheme covers a wide range of services including essential hospitalization, complex surgeries, and medical treatments.
Are there any exclusions?
Any exclusions or specific policy limitations are detailed within the official terms and conditions provided by the insurance administrator.