AI SummaryChief Minister's Comprehensive Health Insurance Scheme is a state-level health cover for residents of Tamil Nadu that provides cashless treatment in empanelled government and private hospitals. Eligible families get coverage of up to ₹5,00,000 per year to cut down treatment costs.
The scheme continues to run for the 2026-27 period and is currently operated by United India Insurance Company. It covers around 1.48 crore families and remains open for enrollment through the official CMCHIS portal.
Chief Minister's Comprehensive Health Insurance Scheme - Introduction
Chief Minister's Comprehensive Health Insurance Scheme gives eligible residents access to quality healthcare through a wide network of empanelled hospitals. It reduces the money burden on families and links them with the public health system.
Originally launched on 23rd July 2009 as Kalaingar Kaappittu Thittam, the scheme now operates through United India Insurance Company and continues through 2027. It covers around 1.48 crore families across the state.
The scheme covers hospitalization costs up to ₹5,00,000 per family per year on a floater basis. At-risk sections of society get quality medical care without falling into debt.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Chief Minister's Comprehensive Health Insurance Scheme |
| Level | State |
| State | Tamil Nadu |
| Category | Health and Wellness |
| Benefit Amount | Up to ₹5,00,000 per family per year |
| Beneficiaries | Around 1.48 crore families |
| Nodal Department | Planning, Development and Special Initiatives Department |
| Launch Date | 23rd July 2009 |
| Official Website | cmchistn.com |
Benefits
The scheme offers broad support for medical needs so that families do not face money trouble during health emergencies. Main benefits are given below.
- Extensive Coverage: Families get money protection for many medical procedures, which helps them avoid high out-of-pocket treatment costs.
- Large Hospital Network: Treatment is available at any of the hundreds of empanelled government and private hospitals across the state.
- High Sum Insured: The scheme provides insurance cover of up to ₹5,00,000 per family per policy year.
- Diagnostic Support: Follow-up treatments and diagnostic procedures are covered, saving families from extra costs.
Eligibility
To get the benefit, a person should be a resident of Tamil Nadu and meet the set criteria. Names of all eligible family members must appear on the family ration card, and the total family income should be less than ₹1,20,000 per year as per G.O. (Ms) No. 560 of the Health and Family Welfare Department.
A family under this scheme includes the primary member, a legal spouse, dependent children, and dependent parents. Documents such as the ration card, Aadhaar card, and an income certificate issued by the Village Administrative Officer or the relevant revenue authority are needed to confirm eligibility.
Exclusions
Some people or groups are not covered under this scheme. These are listed below.
- People who are not residents of Tamil Nadu.
- Families with an annual income above the fixed limit of ₹1,20,000.
- Individuals whose names are missing from the family ration card.
- People already covered under any other health insurance scheme.
- Migrants from other states who lack a valid migration certificate.
Application Process
Enrollment for the scheme is now done online through the official CMCHIS portal, which makes the process easier. Follow the steps below to enroll.
STEP 1 - Get a valid income certificate from the Village Administrative Officer or the local revenue office.
STEP 2 - Keep the Aadhaar card and the original family ration card ready with the names of all family members.
STEP 3 - Visit the official website at cmchistn.com and open the enrollment section to check eligibility and start the application.
STEP 4 - Fill in the required family details and upload the required documents for verification.
STEP 5 - Complete the biometric process, which includes a photograph, fingerprints, and an eye scan, and collect the e-card once the details are verified.
Documents
Keep the following documents ready before starting the application so that the process goes smoothly.
- Income certificate from the Village Administrative Officer or revenue authorities.
- Original and a photocopy of the ration card.
- Self-declaration form signed by the head of the family.
- Proof of identity and address, such as Aadhaar card or voter ID.
- PAN card (optional).
References
For official details and to apply, visit the links given below.
Chief Minister's Comprehensive Health Insurance Scheme official website
CMCHIS online enrollment and eligibility check
CMCHIS eligibility requirements
FAQ's
Which family members can enroll under the scheme?
The head of the family, the legal spouse, dependent children, and dependent parents can enroll if the annual family income is below ₹1,20,000 and all names are on the ration card.
Can I file a claim online?
Yes, claims can be filed through the official CMCHIS website by logging in with the unique User ID and Password.
Till what age are children covered?
Children are covered until they reach 25 years of age, get married, or find employment, whichever happens first.
Are reimbursement claims allowed?
No, this is a cashless scheme. Treatment should be taken only at empanelled hospitals to avoid paying from the pocket.
What if the head of the family is absent during enrollment?
If the head is not available, the spouse may act as the head to complete enrollment for the family.
Are dental treatments included?
Yes, several dental procedures are covered under the outpatient treatment category of the scheme.
Is abdominal hysterectomy covered?
Yes, medical costs for abdominal hysterectomy for both benign and malignant conditions are fully covered under the scheme.