CMHIS Nagaland 2026: Cashless Health Cover Up to ₹20 Lakh, Apply Online at cmhis.nagaland.gov.in

Nagaland government's Chief Minister Health Insurance Scheme (CMHIS) is running for state residents in 2026, giving free cashless treatment at empanelled hospitals across India. Government employees and pensioners get a yearly cover of ₹20 lakh, while general category families get ₹5 lakh per year on a family floater basis.

Health and Family Welfare Department, Nagaland runs this scheme through the Nagaland Health Protection Society. Applications stay open all year through the official portal cmhis.nagaland.gov.in, Common Service Centres, PHCs, CHCs, treasury offices, and empanelled hospitals. Registration is free and the CMHIS e-card is issued after document check.

CMHIS Nagaland 2026: Highlights

CMHIS runs in two parts. One part is for state government employees and pensioners (CMHIS-EP) with a cover up to ₹20 lakh. Second part is for the general public (CMHIS-GEN) with a cover up to ₹5 lakh. Both parts give access to more than 1950 medical and surgical packages across 27 specialities.

Below are the main points of the scheme in one place.

How to Apply for CMHIS Nagaland Online

Registration is fully online through the CMHIS portal. You can also visit the nearest Common Service Centre, CHC, PHC, or an empanelled hospital for help with the enrolment form. Keep your Aadhaar number, mobile number, and proof of Nagaland residence ready before you start.

STEP 1 - Open the official website cmhis.nagaland.gov.in on your phone or computer. On the home page, click on the 'New Household Registration' option under the register menu.

STEP 2 - Read the on-screen rules carefully, then click 'Proceed'. System will ask for your mobile number and send an OTP for confirmation.

STEP 3 - After OTP confirmation, fill in your household details, add each family member one by one, and upload the required documents like IIC, PRC, or PIMS code as per your category.

STEP 4 - Submit the form and note down the acknowledgement number. You may also print the filled form for offline submission at your nearest enrolment centre.

STEP 5 - Scheme staff or the empanelled hospital team will check your papers. Once approved, you can download the CMHIS e-card from the portal login page.

CMHIS Nagaland Eligibility

CMHIS covers two groups of people in the state. For CMHIS-EP, regular state government employees, pensioners getting medical allowance, sitting and former legislators, and their dependent family members can apply. Staff of state autonomous bodies and corporations are also covered if they get a medical allowance.

For CMHIS-GEN, permanent or indigenous residents of Nagaland who are not covered under AB PM-JAY can apply. Contractual and ad-hoc government staff, non-dependent family members of CMHIS-EP holders, accredited journalists, and households outside PM-JAY also come under this part.

Documents Required for CMHIS Registration

Documents needed depend on the category you apply under. Keep both original and photocopies ready. Digital scans are also accepted on the portal at the time of upload.

For general category applicants, these papers are required:

• Valid mobile number in your name for OTP and account updates.
• Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC) issued after 2016 as proof of Nagaland residency.
• Aadhaar card of every family member being added to the household record.

For state government employees, PIMS code is the main document. Employees without PIMS need to attach a photo ID, engagement or appointment order, proof of current service signed by the controlling officer, and the enrolment form countersigned by Village or Ward Chairman.

Pensioners need to submit the first three pages of the PPO book, a valid mobile number, and Aadhaar. Dependents also need to attach a birth certificate, Class X admit card, or Voter ID showing family relation with the primary member.

Benefits Under CMHIS Nagaland

Cashless treatment is the main benefit. Once your e-card is active, you can get admitted at any empanelled hospital in India without paying money upfront. Cover includes room charges, doctor fees, medicines during admission, surgeries, ICU care, dialysis, chemotherapy, and specific daycare procedures.

General category families get ₹5 lakh per year on a family floater basis. Employees and pensioners get ₹20 lakh per year. Pre-existing diseases are covered from day one. A few things like OPD visits, standalone tests, cosmetic surgery, dental care, and infertility treatment are not covered.

For state employees, room entitlement at the hospital follows Central Government Health Scheme (CGHS) grade rules. If treatment costs go above the ₹20 lakh cap for employees, State Medical Board reviews the case and may approve extra support case-by-case.

CMHIS Nagaland Card Renewal

CMHIS cover is valid for one year and needs to be renewed to keep getting benefits. Renewal can be done through the same portal login page or by visiting a CSC. Only the mobile number linked at the time of first enrolment is required for OTP-based renewal. Keep track of your renewal date to avoid gaps in cover, mainly if a family member has a running treatment.

CMHIS Nagaland Helpline and Support

For any question on enrolment, hospital list, or claim, help is available on the toll-free number 14555. Nagaland Health Protection Society also runs helpline 1800 202 3380 during office hours. Extra helpline numbers 8880515011 to 8880515015 handle enrolment queries.

For email help on registration or card issues, write to support-nhps@cmhis.nagaland.gov.in. For complaints, use grievances.nhps@cmhis.nagaland.gov.in or file a complaint on cgrms.pmjay.gov.in with your CMHIS number.

References

Official Website | Online Registration Portal

FAQ's

What is CMHIS Nagaland?

It is a state-run health cover from Nagaland government that gives cashless hospital treatment up to ₹5 lakh for general families and ₹20 lakh for employees and pensioners per year at empanelled hospitals across India.

Who can apply under CMHIS General category?

Any indigenous or permanent resident of Nagaland who is not covered under AB PM-JAY can apply. This also covers contractual and ad-hoc staff, accredited journalists, and non-dependent family members of CMHIS-EP holders.

Who is covered under CMHIS Employees and Pensioners?

Regular state government employees, pensioners getting medical allowance, sitting and former legislators, and staff of state autonomous bodies with medical allowance come under this category, along with their dependent family members.

What is the cover amount for a CMHIS family?

General category families get ₹5 lakh per year and employee families get ₹20 lakh per year on a family floater basis, shared among all listed members.

Are pre-existing diseases covered?

Yes, all pre-existing diseases are covered from day one at empanelled hospitals across India without any waiting period.

Is dental or cosmetic treatment covered?

No, dental care, cosmetic surgery, infertility treatment, and standalone OPD visits are not covered under CMHIS.

Can CMHIS be used with private health insurance?

Yes, you can hold private insurance also, but you cannot claim the same hospital bill under two policies at the same time.

How to check CMHIS status or eligibility?

Visit cmhis.nagaland.gov.in, use the login page to check card status, or contact the nearest PHC, CHC, or empanelled hospital for help.