Tamil Nadu is one of the leading states in India, owing to its improved healthcare facilities. Of all the health schemes launched thus far, Chief Minister Comprehensive Health Insurance Scheme is the most effective initiative taken by the Government of Tamil Nadu. This scheme aims to offer top-notch healthcare services to Tamil Nadu residents, especially the lower-income group families.

It is necessary to understand every segment of the CMCHIS to make the most of its benefits. Therefore, we have compiled all the relevant facts of this scheme in this comprehensive guide for your convenience.

Keep reading to know more!

The CMCHIS, also known as Amma Health Insurance, covers costs of hospitalisation, diagnostic procedures, and follow-up treatments to mitigate the financial burden of healthcare on low-income families. Some of the features of Amma Maruthuva Kapitu Thittam are mentioned below:

• Family floater health insurance policy – All the family members registered under this scheme can utilise the insured amount.
• Cashless treatment – You can avail of medical treatments without having to pay any cash to hospitals. This is one of the convenient features of the Chief Minister Comprehensive Health Insurance Scheme.
• Access to health camps – The network hospitals organise health camps once every month for medical check-ups. Policyholders of this scheme can get free health check-ups from these camps.
• Enrollment of Sri Lankan refugees – Sri Lankan refugees can avail of exclusive healthcare services at any centre irrespective of their income.
• 24*7 assistance – If you have any doubt or questions regarding this healthcare scheme, you can get 24*7 assistance by calling their toll-free helpline number.

The following section elaborates on the benefits you can avail of by registering yourself under this health insurance plan.

• This scheme covers expensive treatment expenses for the economically weaker sections of Tamil Nadu.
• Due to the wide network of hospitals under this scheme, locating a hospital nearby and getting treatment without any delay is possible.
• Beneficiaries can get affordable treatments for several conditions by enrolling themselves under this scheme.
• People of Tamil Nadu registering under CMCHIS can enjoy coverage of up to Rs. 5 lakhs.
• This health insurance plan also covers follow-up treatments and diagnostic tests for any ailments.

This scheme covers around 1016 treatment procedures, including 113 follow-up visits and 23 diagnostic procedures. It extends such benefits to orphans enrolled under this policy and migrants from other states. Therefore, from hospitalisation and diagnostic tests to follow-up treatments, this government initiative promises exceptional healthcare facilities at nominal rates.

Before applying for this health scheme, one should be thorough with the Amma Maruthuva Kapitu Thittam eligibility criteria to secure maximum benefits.

Take a look at the eligibility criteria here: 

• Residents of Tamil Nadu with proper citizenship proof can register under this scheme. However, Sri Lankan refugees are an exception to this.
• Families with an annual income below Rs. 72000 are eligible to enroll.
• As per the family floater plan, every member of the family can benefit from this scheme. Those family members include the legal spouse of the registered individual, children under 25 years (or before they are married), and parents.
• Migrants residing in Tamil Nadu for six months or more should carry valid migration certificates to qualify for CMCHIS.
• Rescued girl children or an orphan from registered or unregistered institutions are eligible to register.

The application process of registering yourself under this healthcare scheme is simple. For a hassle-free Amma procedure, here are some steps to follow:

• You need to obtain an income certificate from the Village Administrative Officer or revenue authorities.
• Present these documents in the enrollment centre.
• The kiosk operator will verify your documents.
• After successful verification, you can proceed with the biometric process, i.e., your photograph, eye scan, and fingerprint will be captured.
• Once verified, you will be assigned an e-card.

However, one cannot download the Chief Minister Comprehensive Health Insurance Scheme application form online or opt for CMCHIS online registration. One can access the smart card only by visiting the enrollment centre and applying for the scheme personally.

The list of documents you need to present during registration for the Amma Health Insurance Scheme are as follows:

• Identification proof
• Copy of Aadhaar card
• PAN card copy
• Address proof
• Income certificate generated from VAO
• Original and copy of Ration card
• Family head’s self-declaration

Once you have enrolled under this health scheme, you will be issued a smart card. This card is essential to identify the beneficiaries registered under this scheme. The details of a beneficiary and his family members and available coverage amount is available in it. For cashless claims during hospitalisation, one needs to present this card to the authority. 

To save multiple copies of the same, you can download the CMCHISTN card online. 

Here are the steps for Amma Maruthuva Kapitu Thittam card download:

• Visit the official website of CMCHIS.
• There will be an option named “Beneficiary” – select that.
• Choose the option “Member search/e-card,” and then choose “Instructions.”
• You will see a field in the member search page where you will need to enter your CMCHISTN member ID or URN number from the smart card. This will allow you to check the members enrolled under this scheme and the available sum insured.
• From here, you can select “Generate e-card.”

• The beneficiaries can get cashless treatment from hospitals by showing their smart cards. 
• Hospital management will send your bills to TPA, i.e., a Third-Party Administrator, for settlement. They will settle charges and treatment bills with the hospital directly. In this way, you can successfully claim the insured sum under CMCHIS.

Additionally, you can check your CMCHIS claim status by visiting the website of Chief Minister Comprehensive Health Insurance Scheme Tamil Nadu and entering your member ID and password. 

Furthermore, as per the Government’s announcement, linking crucial documents to your Aadhaar card increases the authenticity of an applicant. Although it is not a mandatory move, you can follow these steps to connect your URN number with the Aadhaar card.

• Go to the official website of the Amma Health Insurance Scheme.
• Choose “Beneficiary,” and you will get an option “Link Aadhaar with URN.”
• On this page, enter your URN number.
• Now check the box where the option to link your Aadhaar with a URN is visible.
• Click on the “Enroll Now” option.
• You will need to enter your contact details as mentioned in your Aadhaar card in this step.
• Finally, enter your Aadhaar number and submit the application.
• Once you receive an OTP, you can confirm that the linking is successful.