Chief Minister Arogya Arunachal Yojana

Chief Minister Arogya Arunachal Yojana provides cashless healthcare and financial protection to indigenous residents and government employees in Arunachal Pradesh, covering up to ₹5,00,000 per family every year to ease treatment costs. The scheme is open for enrollment and is being run by the Chief Minister Arogya Arunachal Society under the Department of Health and Family Welfare, Government of Arunachal Pradesh.

Chief Minister Arogya Arunachal Yojana - Introduction

Chief Minister Arogya Arunachal Yojana (CMAAY) is a health assurance scheme launched on 15th August 2018 by the Government of Arunachal Pradesh. It gives high-quality, cashless medical services to indigenous citizens and state government employees at empanelled hospitals inside and outside the state. The scheme cuts down the money families spend out of pocket during serious illness or hospital stays, and it works alongside Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) to move the state toward universal health coverage.

The main aims of this scheme include:

1. Lessening the money burden caused by sudden illness and hospital stays.
2. Making sure all eligible citizens can reach dependable medical care.
3. Giving complete health cover to government employees and their families.
4. Strengthening public health services by sending claim refunds directly to hospital accounts.
5. Closing the gaps in secondary and tertiary medical services across the state.

In 2026 the scheme continues to offer up to ₹5,00,000 cover per family per year for secondary and tertiary care. Beneficiary eligibility count on the official portal stands at over 6.8 lakh people, with more than 86 hospitals empanelled across 47 cities, so the scheme remains very much in use.

Key Information

Benefits

This scheme gives a strong safety net with annual cover of up to ₹5,00,000 per family. Cashless treatment is offered, and pre-existing medical conditions are covered fully from the very first day of enrollment. The total cover is split as ₹1,00,000 for secondary ailments and ₹4,00,000 for high-cost tertiary treatments.

Coverage under the scheme includes:

• Hospitalization charges: Registration, general ward bed charges, nursing care, and medical practitioner fees are covered for in-patient treatment.
• Treatment costs: Medicines, surgery, anesthesia, blood infusion, surgical implants, and prosthetic devices are fully included.
• Diagnostic services: Radiology and pathology tests such as X-rays, MRI, CT scans, and blood tests are covered.
• Pre and post-hospitalization: Costs are covered for up to 3 days before admission and up to 10 days after discharge.

For example, if a patient needs surgery, the scheme covers consultation fees, operation theatre charges, and post-surgery medicines for 10 days, provided treatment is taken at an empanelled hospital. If the applicant is a state government employee, these benefits extend to dependents as well.

Eligibility

Applicants can register under the scheme if they meet the following conditions:

• Belong to a tribal community recognized by the state of Arunachal Pradesh.
• Are a legal resident of districts such as Changlang, Lohit, or Namsai.
• Are a member of a backward community or are enrolled in the Arunachal Pradesh Scheduled Tribe (APST) list.
• Are a state government employee residing in the state along with dependents.

Exclusions

The scheme does not cover the following situations:

• Procedures that do not need hospital admission.
• Diagnostic evaluations where no treatment or surgery follows.
• Cosmetic, aesthetic, or corrective dental treatments unless needed after an accident or injury.
• Fertility-related treatments.
• Illnesses caused by alcohol or drug use.
• Self-inflicted injuries or suicide attempts.
• Vaccination services and congenital external diseases.

Application Process

STEP 1 - Visit the official portal at cmaay.arunachal.gov.in and go to the enrollment section.

STEP 2 - Select the 'Apply Online Enroll' option on the page and open the new enrollment form.

STEP 3 - Fill in the family details carefully and upload all required documents such as Aadhaar, APST or resident certificate, and ration card.

STEP 4 - Submit the form and note the reference number given for tracking.

STEP 5 - Once the enrollment is approved, download the e-Card for use at empanelled hospitals.

To check the application status, use the Check Status page by entering the district and URN or Aadhaar number.

Documents

Keep these documents ready before starting the registration:

• Aadhaar Card.
• Birth Certificate for children under 5 years.
• Ration Card.
• APST Certificate for tribal members or Resident Certificate for non-APST applicants.
• Government ID Card for state government employees.
• Permanent land holding documents.
• Completed enrollment form.

References

Scheme Details | Eligibility Criteria | Apply Online | Check Status

FAQ's

How much coverage is provided per family per year?

The scheme provides a total cover of ₹5,00,000 per family annually, divided into ₹1,00,000 for secondary ailments and ₹4,00,000 for high-cost tertiary treatments.

Are pre-existing conditions covered?

Yes, pre-existing conditions are fully covered under the scheme from the first day of enrollment.

What diagnostics are included?

The scheme covers essential diagnostic tests, including X-rays, MRI scans, CT scans, and blood tests.

Are mental disorders covered?

Yes, mental health ailments are covered under the medical packages supported by the scheme.

What is the official website for applying?

The official portal is cmaay.arunachal.gov.in. Enrollment and status checking are done through this state government website.

Who is the primary head of the family for enrollment?

The unit of enrollment is the family, and the head of the family is decided based on the official SECC Database records.