What is the Eligibility of the CM Insurance Scheme?

In times when healthcare costs are touching the roof, having affordable healthcare insurance for your family is tough. To resolve this problem, the Government has launched several insurance schemes that are not only affordable but also cover all the major health services. These schemes majorly focus on serving the unserved.

Government plans are designed especially for lower-income groups to provide them with financial coverage in case of unfortunate health events. One such plan is Chief Minister’s Comprehensive Health Insurance Scheme (CM insurance). This blog will provide you with information regarding the same scheme.

Chief Minister’s Comprehensive Health Insurance

Chief Minister’s Comprehensive Health Insurance Scheme was launched in Tamil Nadu by the Government of Tamil Nadu. The eligible people under the scheme can avail of cashless treatment at impanelled hospitals. The scheme shows a path for enrolled people to move toward universal healthcare insurance coverage.

Features of the CM Health Insurance Scheme

This insurance scheme offers a variety of features, some of which are listed below:

• Family Floater Plan: The scheme provides a family floater insurance plan to the people. This plan covers the entire family under one policy. The members enrolled in the scheme are eligible to avail of benefits under it.
• Cashless Claims: The policyholder can avail of cashless treatment at the network hospitals. This means you do not require to pay for medical expenses incurred during the treatment.
• Access to Health Camps: The network hospitals should organise health camps at least once a month. The policyholder can get free check-ups and follow-up treatments.
• 24*7 Assistance: If you are facing any issues, you can contact the call centre, which is available 24*7 to resolve your queries.
• High Sum Insured: This insurance plan comes with a sum insured of ₹5 lakhs for every family per year. This can cover minor health care expenses easily for any family.

CM Insurance Scheme Eligibility

The scheme provides various benefits to underprivileged families through various features like cashless treatment, regular health camps, etc. But not everyone is eligible to claim benefits under the scheme. The conditions for CM Insurance Scheme eligibility are mentioned below:

• The family must be a resident of Tamil Nadu and should have an annual income of less than ₹72,000.
• The family member should have a ration card or be mentioned in the ration card of the family.
• Migrants of other states, if they carry a migration certificate, are eligible.
• Orphans or rescued girl children from any registered or non-registered organisation are covered.
• Sri Lankan refugees with proof of citizenship are also eligible.

CM Insurance Scheme eligibility criteria are designed keeping in mind that the beneficiaries belong to underprivileged groups and can not save a part of their income for sudden health emergencies.

Inclusion Under CM Health Insurance Scheme

The Chief Minister Health Insurance covers the insured against the following expenses:

• Diagnostic Procedures: The expenses incurred during diagnostic tests and procedures are covered under the plan.
• Hospitalisation: In case of hospitalisation, expenses incurred are not to be borne by you. You can get a claim against it.
• Follow-Up Treatment: The government has provided a special service that is generally not provided by other insurance providers. Expenses on follow-up treatments are also covered under the plan, thus reducing the financial burden.

Enrollment Process Under CM Insurance

Enrolling in the plan is very easy if you match the eligibility criteria and have all the required documents. Here are the steps you need to follow for the same:

• You must get an income certificate from the Revenue Authority.
• You should carry all the necessary documents to the enrollment centre and get them verified.
• After this, biometric details will be captured.
• An e-card will be issued after the mentioned process is done.

Healthcare services are among the basic amenities of life, and the availability of affordable healthcare insurance is one the major part of the same. With schemes like CM Health Insurance, the lower-income group is provided with the hope of getting the best treatment for their family. An easy registration process, along with a high sum insured with affordable premiums, has helped many families to avail the services which are beyond their budget. Moreover, the scheme has also made people aware of the importance of health insurance.

FAQ

Who can apply for CM Insurance in Tamil Nadu?

Residents of Tamil Nadu with an annual family income less than ₹72,000 and a valid ration card can apply. Certain migrant workers and orphans are also included under the eligibility list.

Is the CM Insurance plan a family floater policy?

Yes, the policy covers the entire family under one insurance plan. The sum insured of ₹5 lakhs per year is available for shared use among all registered family members.

Can Sri Lankan refugees get CM health insurance?

Yes, Sri Lankan refugees with valid proof of citizenship are eligible for CM Insurance. They must also fulfil the income and documentation requirements set by the Tamil Nadu government.

What is meant by cashless treatment in this plan?

Cashless treatment means policyholders can receive medical care without paying upfront. The insurance directly covers hospital bills, reducing the financial burden during emergencies or planned medical procedures.

Which hospitals in Tamil Nadu accept CM Insurance?

Empanelled public and private hospitals across Tamil Nadu accept CM Insurance. You must confirm the hospital’s tie-up before treatment and carry your CM Insurance e-card to avail of services.

What does the ₹5 lakh sum insured include?

The ₹5 lakh coverage includes hospitalisation, diagnostics, medicines, surgery, and follow-up care for the entire family. It is provided annually and can be used across multiple treatments if needed.