Chief Minister's Comprehensive Health Insurance Scheme

The Chief Minister Comprehensive Health Insurance Scheme, formerly known as Kalaingar Kaappittu Thittam, was launched on 23rd July 2009, with the objective of providing quality healthcare to eligible individuals through empanelled government and private hospitals, thereby reducing financial hardship for enrolled families and moving towards universal health coverage by effectively linking with the public health system.

From January 2022 to 2027, the scheme is being implemented through United India Insurance Company. As of January 2022, the scheme covers around 1.37 crore families. A total of 1090 procedures, 8 follow-up procedures, and 52 diagnostic procedures are covered under CMCHIS in 800 government and 900 private empanelled hospitals.

The scheme aims to provide cashless hospitalization for specific ailments/procedures and provides coverage up to Rs. 5,00,000/- per family, per year on a floater basis for the ailments and procedures covered under the scheme. The CMCHIS is a significant step towards ensuring that vulnerable sections of society receive adequate healthcare without suffering financial distress, while simultaneously promoting access to quality medical care.

The Chief Minister’s Comprehensive Health Insurance Scheme is intended for the residents of Tamil Nadu who meet the specified eligibility criteria. To qualify for benefits under the scheme, the applicant's name must be present in the family card, and their family's annual income should be less than Rs.1,20,000/- per annum. This eligibility can be confirmed by producing necessary documents, such as the family card, Aadhar card, and income certificate issued by the VAO/Revenue Authorities, along with a self-declaration from the head of the family.

Under this scheme, the definition of family includes the eligible member, their legal spouse, their children, and their dependent parents. By ensuring that these individuals meet the necessary criteria, they can access the benefits of the scheme and receive quality healthcare services without financial burden.