About Chief Minister's Comprehensive Health Insurance Scheme (CMCHISTN)

Tamil Nadu, after its significant improvement in the field of human development, holds the record for being one among the leading Indian states. It ranks among the top because of its low mortality rates, and efficient healthcare services. The state has a long track record of innovations in the health sector. It has pioneered many new approaches to enhance effective access to quality health care at low financial costs. Increased access to medical care and innovations in the field has made a sea change in health conditions in the state.

There is a strong commitment to high performance in the health sector.

Despite the speedy progress and development, the State continues to face challenges in the healthcare sector that need to be dealt with in a phased and systematic manner. The broad areas that need addressing are:

  • Coping with non-communicable diseases (NCD)
  • Providing the highest quality of healthcare
  • Resolving equity-related issues
  • Having an effective health financing system The Tamil Nadu Health Systems Project: This is implemented by the Health and Family Welfare Department of the Government of Tamil Nadu, lends its support to the Health Policy of 2003 and focuses on improving the health status of people belonging to the lower socio-economic strata. The TNHSP has primarily been established for achieving two objectives - reducing child mortality and improving maternal health.

Objectives Of Chief Minister's Comprehensive Health Insurance Scheme

Chief Minister’s Comprehensive Health Insurance Scheme offers coverage to families that are economically weak and the scheme is limited to the geographical location of Tamil Nadu. The beneficiaries can avail cashless medical treatment facility for certain specified ailments/ procedures. It covers the medical expenses related to 1016 ailments, 113 follow-up treatment, inclusive of 23 diagnostic procedures, etc.

Features of Chief Minister’s Comprehensive Health Insurance Scheme

Some of the notable features of Chief Minister’s Comprehensive Health Insurance Scheme can be given as follows:

  • Sum insured amount offered against Chief Minister’s Comprehensive Health Insurance Scheme is applicable on a family floater basis.
  • Offers the convenience of cashless treatment at authorised hospitals and medical institutes.
  • Does not include reimbursement benefits.
  • Offers coverage to beneficiaries for general medical and surgical treatments up to the maximum sum insured limit.
  • Covers as many as 1,016 treatment procedures, inclusive of 23 diagnostic procedures and 113 follow-up procedures.
  • Network hospitals and medical centres are mandated to offer cashless services to their policyholders during medical check-ups at health camps. These camps are organised across districts at least once a month.
  • Smart card issued during the registration process must be produced to the Liaison Officer.
  • Extends benefits to Sri Lankan refugees registered under this scheme without any income limit.
  • Offers benefits to orphans who are registered under this scheme.
  • Migrants from other states can also join this scheme.
  • Ensures seamless assistance regarding services and queries through a toll-free helpline.

Benefits of Chief Minister’s Comprehensive Health Insurance Scheme

Chief Minister’s Comprehensive Health Insurance Scheme offers coverage of up to Rs. 5 lakhs per family per year on a floater basis for the illnesses and medical treatments covered by it.

Eligibility for Chief Minister’s Comprehensive Health Insurance Scheme

  • The scheme is available only for residents living in Tamil Nadu. The applicant must have a family card issued by the government.
  • This scheme is available for people who earn less than Rs. 72,000 per year.
  • Income certificate must be obtained from the respective village administrative officer (VAO) to establish proof.
  • This cover is available for the spouse, dependent children, and dependent parents of the eligible parents.
  • The name of dependent family members on the family card is sufficient to include them in the policy cover. No other proof of family relationship is required.

Enrolment in Chief Minister’s Comprehensive Health Insurance Scheme

  • Apply for income certificate from the VAO.
  • Remember to carry your original copy of Ration Card, along with a photocopy.
  • Go to the district kiosk with your Income Certificate and Ration Card.
  • The kiosk operator will verify all the documents and capture the biometric details of all beneficiaries.
  • Once the biometric details are taken, an e-card carrying the photographs of members will be issued.

Source:https://www.tnhsp.org/project

Chief Minister's Comprehensive Health Insurance Scheme Hospital List

What is the Claim Procedure for Chief Minister's Comprehensive Health Insurance Scheme?

You can raise a claim online by following the below steps:

  • Visit the official website of Chief Minister’s Comprehensive Health Insurance Scheme
  • Enter the User ID and Password that you have been provided with

Documents Required To Claim Chief Minister's Comprehensive Health Insurance Scheme

eCard, Proof of Identity (PoI) and Proof of Address (PoA) – Aadhaar Card, PAN Card, Ration Card, Driver’s License, Passport are the documents required to claim Chief Minister’s Comprehensive Health Insurance Scheme. Also, you must have Passport size photographs.

Treatment Covered Under Chief Minister's Comprehensive Health Insurance Scheme List

Conclusion & Reviews

Conclusion

Chief Minister’s Comprehensive Health Insurance Scheme has been a pioneer in supporting the economically weaker sections of the society with medical expenses and health check-ups of people living in camps. It covers expenditures for diagnostic tests, critical illnesses as specified in the scheme document, and follow-up treatments. All they need to do is sign up for the scheme to avail the benefits whenever need be.

Reviews of Chief Minister's Comprehensive Health Insurance Scheme

“I have been able to enrol for the Chief Minister’s Comprehensive Health Insurance Scheme and benefit from it economically while I had taken shelter at the camp.” – Tamraparni Sirisena

“Cashless facilities offered with Chief Minister’s Comprehensive Health Insurance Scheme was very helpful while my husband needed emergency medical care. I can’t think of how I would have arranged so much cash at the last moment had he not been a member of the Chief Minister’s Comprehensive Health Insurance Scheme.” – Neera Salunkhe

“I lost my parents to a fatal accident. Thankfully, my parents had enrolled our family under the Chief Minister’s Comprehensive Health Insurance Scheme. The benefits that they offer orphans ensured the financial security that I needed.” – Neeraj Das

FAQ's On Chief Minister Comprehensive Health Insurance Scheme

How to get Chief Minister Comprehensive Health Insurance Scheme Smart Card?

Members enrolled under the Chief Minister’s Comprehensive Health Insurance Scheme are automatically eligible for a smart card. This smart card has to be presented to the relevant authorities at the time of receiving treatment under the Chief Minister’s Comprehensive Health Insurance Scheme. The holder of the scheme can also access important information like sum insured balance and enrolled policy members by visiting its official website and then entering the smart card number.

You can get the Chief Minister Comprehensive Health Insurance Scheme Smart Card by following these simple steps:

  • Login to the official portal of Chief Minister Comprehensive Health Insurance Scheme
  • Get your cursor over the ‘Menu’ tab and then click on the ‘beneficiary’ option from the dropdown list
  • Next, select the ‘member search/e-card’, so that you are redirected to a new page
  • Mention the required details like your URN number, name, gender, ration card number, etc.
  • Select the ‘Search’ button to access the details about the Chief Minister Comprehensive Health Insurance Scheme Smart Card

How can I contact the helpdesk for this scheme?

You can contact the helpdesk on this Toll-free number – 1800 425 3993

What diagnostic procedures does Chief Minister’s Comprehensive Health Insurance Scheme cover?

Chief Minister’s Comprehensive Health Insurance Scheme covers 1,016 procedures inclusive of 23 diagnostic procedures and 113 follow up procedures. Some of these are MRI, ECHO, USG, Mammography, LFT, RFT, Thyroid Profile and Angiocardiogram.

Does Chief Minister’s Comprehensive Health Insurance Scheme cater to emergency cases?

Emergency cases are treated under this scheme. Yes, hospitals are mandated to begin immediate treatment for emergency cases, even before they apply for authorisation. However, they need to initiate the authorisation process within a maximum of 24 hours.