Chief Minister Comprehensive Health Insurance Scheme in Tamil Nadu is a lofty insurance scheme launched by the state government in association with the United India Insurance Company. The scheme now covers 1.57 crore families including migrant workers and undocumented orphans. Chief Minster’s Comprehensive Health Insurance Scheme has broadened its coverage and also included 321 more medical procedures.
Along with United India Insurance Company, the Chief Minster’s Comprehensive Health Insurance Scheme renewed on 10th January 2017. The scheme will have more than 1,100 treatment procedures including the coverage of congenital anomalies. The government renewed the contract for four-year terms with an annual premium payment of Rs. 1,069 crores.
As per the information from Public Health and Preventive Medicine department, the government is paying Rs. 699 on per family basis while earlier, the amount was Rs. 497. The departments have the responsibility for implementing the scheme properly.
Treatment Procedures Covered under CM Comprehensive Health Insurance Scheme
Tamil Nadu State Health Insurance Scheme will be covering the treatments and procedures including, heart and lung transplants, cochlear implant, bone marrow transport, radiation therapy, surgical oncology. For the first time in India, it is the first scheme to cover the cover bariatric surgery for the morbidly obese.
The detailed list of procedures covered under the scheme are available at http://www.cmchistn.com/procedure.php
The coverage amount under the scheme has been increased from Rs. 1.5 lacs to Rs. 2.0 lacs for surgical procedures. And for critical illness, if the surgery or treatment procedure exceeds the insured limit, the government have set up a corpus fund to pay for the entire treatment.
It is the first attempt of Tamil Nadu state government towards providing a health insurance cover to migrant workers and orphans. The scheme was not benefiting this category from a long time due to the lack of documentation, address and residence proof. With some amendments and modification in State Health Insurance Scheme, the government hopes to reach those workers and their children who have no or less documents.
People with annual income of less than Rs. 72,000 are eligible for the scheme. Detailed eligibility criteria and other information about Chief Minister Comprehensive Health Insurance Scheme is available at the official website at https://www.cmchistn.com/
A 24 hour Call Centre has been set up at CMCHISTN Project Office with sufficient manpower with toll free help line. The Toll Free Number is 1800 425 3993. The Toll Free Line is competent to answer the query in Tamil.
Tamil Nadu CM’s Health Insurance Scheme (CMCHIS) Coverage Hiked
Tamil Nadu govt. has announced hike in the insurance cover under CM’s Comprehensive Health Insurance Scheme (CMCHIS). Now the health insurance coverage has been raised from the existing Rs. 2 lakh to Rs. 5 lakh per year. This is in accordance with the Ayushman Bharat Yojana (PM Jan Arogya Yojana) launched by the central government.
Tamilnadu CM has announced that beneficiaries of CMCHISTN will receive an additional Rs. 3 lakh insurance coverage totalling to Rs. 5 lakh. The decision is going to benefit 1.58 crore families in the state and the new coverage under CMCHIS scheme will come into effect from 1 December 2018.
People can avail cashless and paperless treatment in any of the empanelled hospitals under the Ayushman Bharat Yojana. PMJAY provides Rs. 5 lakh health insurance coverage for secondary and tertiary hospitalization.
Increased CMCHIS Coverage
Tamil Nadu’s enhanced health insurance cover of Rs. 5 lakh for 1.58 crore families will come into effect from 1 December 2018 as a cashless scheme. The state govt. has signed MoU with central officials for linking the insurance schemes, another 10 lakh families who weren’t in the state scheme will be added to combined insurance scheme.
The state govt. will now cover 1,027 medical procedures for 1.57 crore families. People who earns less than 72,000 p.a or receives social security benefits such as old age or widow pensions or disability pension are eligible. Central govt. Ayushman Bharat Yojana is for marginalized people such as rag pickers and rickshaw pullers. Health department will now work on the database provided by the central government to enrol people who are missing from the state list.
This scheme would add another 10 lakh people under the comprehensive health insurance scheme. Beneficiaries would be able to get treatment at govt. hospital or at more than 700 empanelled private hospitals. Nearly, 40% of the hospitals are running with NABH accreditation. The state govt. will cover 1,027 procedures against the central govt. 1,300 medical procedures in the private sector.
Till date, around 26.96 lakh people have been benefitted by the CM’s comprehensive health insurance scheme (CMCHIS) who have availed medical treatments worth Rs. 5,133 crore. People can now easily avail Rs. 5 lakh insurance benefits under CMCHIS scheme.
Tamil Nadu Govt. Fixes COVID-19 Treatment Rates for Private Hospitals under CMCHIS
Tamil Nadu government has now fixed the COVID-19 Treatment Rates for private hospitals on 4th June 2020. The rates to treat Coronavirus patients in private hospitals have now been covered under the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS). In this scheme, COVID-19 designated private hospitals can charge upto Rs. 5,000 per day for general ward for treatment of patients with mild or no symptoms of deadly contagious virus.
The mentioned COVID-19 treatment rates will be applicable in all Class A1, A2, A3 and A4 hospitals. It is clear that beneficiaries need not pay anything to hospitals and the government also outlined conditions for the hospitals. The rate payable by the government to private hospitals for people availing COVID-19 treatment under the CMCHIS has been categorised on the basis of parameters like symptoms and facilities.
The rates are for private hospitals which are authorized to treat coronavirus patients. It is important to note that only the existing beneficiaries under the CMCHIS can avail treatment.
New COVID-19 Treatment Rates for Private Hospitals
As the TN govt. has fixed COVID-19 Treatment Rates for Private Hospitals, the maximum payable rate per day for treatment in general ward for asymptomatic people and those with mild symptoms is Rs 5,000. For Coronavirus treatment in Intensive Care Unit (ICU) with all facilities, the following ranges will apply:-
|A1 or A2 Hospitals||Rs. 10,000 to Rs. 15,000|
|A3 or A4 Hospitals||Rs. 9,000 to Rs. 13,500|
Tamilnadu govt. has issued warning for strict action against those hospitals which charges more than fixed rate. Moreover, hospitals charging more for patients would be removed from the list of approved hospitals under the Chief Minister’s Comprehensive Health Insurance Scheme.
Private hospitals will have to reserve 25% of total bed capacity for COVID-19 patients. As per the union health ministry website, Tamil Nadu govt. has recorded 25,872 coronavirus cases till date. Of the total cases, around 11,348 are active cases while 14,316 persons have been cured and discharged from the hospitals. Around 208 people have died due to the coronavirus disease.
Meanwhile, Coronavirus cases in India saw a record single-day jump of 9,304 cases on 5 June 2020 taking the total tally to 2,16,919. While 1,06,737 are active cases, 1,04,106 people have recovered and one patient has migrated. With 260 new COVID-19 deaths, the fatalities count climbed to 6,075.
A report has been submitted to the government on the rates that could be paid to the private hospitals for COVID-19 treatment. The state govt. has fixed the rates and gave approval to this report. For more information and complaints toll free no 18004253993 may be contacted.