The Chief Minister’s Comprehensive Health Insurance Scheme was launched by the Government of Tamil Nadu to provide medical insurance coverage for underprivileged people living in the state. This scheme was launched in partnership with state-owned general insurance service provider United India Insurance, which is based in Chennai. This plan offers coverage for emergency medical expenses with the help of various empanelled government and private hospitals in Tamil Nadu.
The following eligibility criteria must be met by people who wish to avail benefits under the Chief Minister’s Comprehensive Health Insurance Scheme:
The following steps must be followed in order to be enrolled in Chief Minister’s Health Insurance Scheme:
Some of the notable features of Chief Minister’s Comprehensive Health Insurance Scheme can be given as follows:
The range of benefits offered by Chief Minister’s Comprehensive Health Insurance Scheme can be given in the table:
|Benefits||Extent of cover|
|Hospitalisation benefits for general medical treatment and surgical treatment (The ailments covered under this scheme are listed in Annexure C in the official website of this scheme.)||Up to Rs.1 lakh on a family floater basis|
|Specified ailments as listed in Annexure D of the scheme’s official website||Up to Rs.1.5 lakh|
|Follow up procedures||As listed in Annexure E of the official website|
|Diagnostic procedures||As listed in Annexure F of the official website|
As mentioned earlier, all members enrolled in the Chief Minister’s Comprehensive Health Insurance Scheme will be given a smart card. At the time of getting a treatment, the smart card must be produced to the concerned officer. Details like sum insured balance and policy members can be accessed by entering the smart card number in the official website. The step by step instruction of how to perform this can be given as follows:
Step 1: Visit the website: https://www.cmchistn.com
Step 2: In the menu, move the cursor over to the ‘beneficiary’ tab. This will open a dropdown list.
Step 3: In the dropdown list, click on ‘member search/e-card’. This will open a new window.
Step 4: In the newly opened window, enter your URN number, ration card number, name, gender, and other required details.
Step 5: Click on ‘search’ once you have entered the required details. This will provide you with the details you need.
This scheme is one of the major initiatives taken by the Tamil Nadu Government to protect the livelihood of underprivileged people. In 2012, this scheme was awarded the ‘e-India Jury Award’ for best Practices in Health Insurance with IT enabled solutions.
1. Where can applicants enroll in this scheme?
Eligible people can enroll in this scheme by visiting the district kiosk in the respective district collectorate office. At the time of application, it is necessary to have the income certificate along with the ration card.
2. How can I contact the helpdesk for this scheme?
The government of Tamil Nadu operates a helpdesk for providing service under this scheme. This helpdesk can be accessed by contacting the toll free number - 1800 425 3993. As of now, this helpdesk gets an average of 600 calls per day.
3. What are the details available in the smart card?
The e-card issued by the government will have the biometric details of all family members who are over 2 years of age. The card will also have other details like URN no. and the picture of all beneficiaries.
4. What kind of diagnostic procedures are covered in this scheme?
This scheme offers coverage for up to 38 diagnostic procedures. Some of the procedures include ECHO, USG, MRI, Thyroid Profile, Angiocardiogram, Mammography, LFT, RFT, etc.
5. Are there any provisions for emergency cases?
Emergency cases are treated under this scheme. In case of extremely emergency situations, this scheme allows hospitals to begin treatment immediately and then obtain the authorisation within a maximum of 24 hours.