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 health insurance 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:
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.
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 (CMCHISTN)
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.
After enrolling for CMCHIS, you can avail the following benefits:
You can raise a claim online by following the below steps:
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.
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 (CMCHISTN)
“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
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:
You can contact the helpdesk on this Toll-free number – 1800 425 3993
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.
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.
