What is the Chief Minister Arogya Arunachal Yojana in Arunachal Pradesh?

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The Chief Minister Arogya Arunachal Yojana (CMAAY) is Arunachal Pradesh’s state health scheme, launched on 15 August 2018 by the Department of Health and Family Welfare. It gives cashless treatment of up to ₹5 lakh per family per year, split into two parts: ₹1 lakh for secondary care and ₹4 lakh for high-cost tertiary care. The split matters, because unused tertiary money can’t be used for routine hospital stays. Eligible groups are Arunachal Pradesh Scheduled Tribe (APST) members, Arunachal Pradesh state government employees and their dependants, and non-APST residents with a valid Resident Certificate in Changlang, Lohit and Namsai districts. Enrolment is free and online at cmaay.com, where you can also check status and download your e-card. The helpline is 1800-233-5558.

CMAAY Decoded: How Arunachal’s ₹5 Lakh Health Cover Is Split, Who Qualifies, and What to Plan Around

A ₹5 lakh card with two pockets

Most state health cards work like a single wallet. You spend from one limit until it runs out.

CMAAY works more like a wallet with two pockets. One pocket holds ₹1 lakh for secondary care, typically the more common hospital stays and surgeries. The other holds ₹4 lakh for tertiary care, the specialised, high-cost treatments. The scheme’s package list decides which pocket a treatment falls into. Money can’t move between them.

Once you understand that, CMAAY makes a lot of sense. It also tells you exactly where your family might need extra cover.

Let’s walk through how it works, who it’s for and how to enrol.

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What CMAAY gives an Arunachal family

CMAAY is the flagship health scheme of Arunachal Pradesh’s Department of Health and Family Welfare. Its aim is to give indigenous families and government employees cashless care for serious illness and hospitalisation, and to fill the state’s gaps in secondary and tertiary care.

The benefits:

• Up to ₹5 lakh per family per year, cashless.
• ₹1 lakh for secondary care and ₹4 lakh for tertiary care, kept separate.
• Empanelled hospitals listed on the CMAAY portal.
• Free enrolment.

Scheme summaries also mention cover for pre-existing diseases from day one, a few days of pre- and post-hospitalisation expenses, and no cap on family size or age. Check these on the official portal before relying on them.

Got a private policy too? Know Your Policy translates it into plain language: benefits, limits, waiting periods and exclusions. It’s the quickest way to see whether it fills CMAAY’s ₹1 lakh secondary-care gap.

Enrolling in CMAAY online

1. Visit the CMAAY portal at cmaay.com and find the Enrollment section.
2. Choose Apply, then select your category: Government Employee or Public.
3. Fill the form with your name, address, Aadhaar and ration card details.
4. Upload documents: Aadhaar, APST certificate or Resident Certificate, government ID for employees, and birth or marriage certificates for new dependants.
5. Save and submit.
6. Track your status using your district and Aadhaar or URN under Check Status.
7. Download your e-card once approved, and show it at an empanelled hospital.

Need help? Call 1800-233-5558 or email support@cmaay.com.

Ready to apply or check your status? Head to the official CMAAY website for enrolment, e-cards and the hospital list. It’s quicker than waiting for the right person at the district office.

 

Family spread across Arunachal, Assam and Meghalaya? The CoverSure State Health Scheme Calculator compares every state’s scheme in one place. Seven sisters, one screen.

What to know before you need CMAAY

The ₹1 lakh secondary pocket fills up first. Families tend to need secondary care more often than tertiary care. Two or three common hospital stays in a year can use up the ₹1 lakh, even if the ₹4 lakh tertiary pocket is untouched.

Eligibility depends on who you are and where you live. APST families and state employees qualify across the state. Non-APST residents qualify only in Changlang, Lohit and Namsai, with a valid Resident Certificate.

Document gaps slow things down. A missing APST or Resident Certificate can hold up your enrolment. Get them sorted before you need care.

OPD visits aren’t covered. CMAAY focuses on hospitalisation.

Distances are real. Many families travel far for specialist care. Travel and stay costs aren’t part of the scheme.

Buying, renewing or just ignoring a private health plan? A Policy Health Check reviews it across 30+ parameters for ₹99, benchmarked against 1,500+ plans. It’ll tell you whether your plan actually covers what CMAAY’s split leaves open.

 

CMAAY e-card on one phone, office group policy on another, term plan in a file somewhere in Itanagar? Add your state scheme to your CoverSure insurance portfolio and see everything in one place. Switch on Family Share so the family can find it on a bad network day too.

CMAAY vs a private health plan

CMAAY brings ₹5 lakh of cover to families who might otherwise go without. A private plan gives flexibility to anyone who can afford a premium.

What CMAAY does well

• ₹5 lakh per family per year, with no premium.
• Covers state government employees, not just low-income groups.
• Free online enrolment and an e-card.
• A clear focus on the state’s gaps in secondary and tertiary care.

Where a private plan usually adds more

• One combined limit. No separate pockets, so your whole sum insured is available for any covered hospital stay.
• Open to everyone who meets the insurer’s age and health rules, wherever they live in the state.
• Wide hospital networks across India.
• Restoration, cumulative bonus and add-ons.
• Actual bills paid, subject to policy terms.

For eligible families, CMAAY is a strong base. A private plan or super top-up is most useful for topping up secondary care and for treatment far from home.

When the secondary pocket runs dry

This is where CMAAY families most often feel the pinch.

Meet the Tamangs (a hypothetical family; numbers are illustrative). They live in Namsai district.

Event in the year (hypothetical)	Pocket	Cost	Paid by CMAAY
Grandmother’s pneumonia admission	Secondary	₹45,000	₹45,000
Son’s fracture surgery	Secondary	₹40,000	₹40,000
Mother’s gallbladder surgery	Secondary	₹50,000	₹15,000 (₹1 lakh used up)
Father’s cardiac procedure	Tertiary	₹2.5 lakh	₹2.5 lakh

The family pays ₹35,000 out of pocket, even though ₹1.5 lakh of the tertiary pocket is still unused.

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Who is eligible for CMAAY?

Group	Condition	Key document
APST members	Members of Arunachal Pradesh Scheduled Tribes and their families	APST certificate
State government employees	Arunachal Pradesh state government employees and their dependants	Government ID
Non-APST residents	Living in Changlang, Lohit or Namsai districts only	Valid Resident Certificate (land-holding documents may also be asked for)

Also carry: Aadhaar and ration card details, plus birth or marriage certificates when adding new dependants.

CMAAY at a glance

Detail	Chief Minister Arogya Arunachal Yojana (Arunachal Pradesh)
Launched	15 August 2018
Run by	Department of Health and Family Welfare, Government of Arunachal Pradesh
Cover	Up to ₹5 lakh per family per year
Split	₹1 lakh secondary care + ₹4 lakh tertiary care
Who qualifies	APST members, state government employees and dependants, non-APST residents of Changlang, Lohit and Namsai
Enrolment	Free, online at cmaay.com
Card	E-card, downloadable after approval
Main limitations	Separate secondary and tertiary limits, district-based eligibility for non-APST residents, no OPD, empanelled hospitals only
Helpline	1800-233-5558
Official website	cmaay.com

 

Prefer the highlights reel? CMAAY’s two pockets, eligibility and enrolment steps, in a quick LinkedIn carousel. Swipe through it on CoverSure’s LinkedIn and share it with the cousin who still hasn’t downloaded the e-card.

Quick answers (FAQs)

1. What is CMAAY? Arunachal Pradesh’s state health scheme, offering up to ₹5 lakh cashless cover per family per year.
2. How is the CMAAY ₹5 lakh split? ₹1 lakh for secondary care and ₹4 lakh for tertiary care, kept separate.
3. Who is eligible for CMAAY? APST members, state government employees and dependants, and non-APST residents of Changlang, Lohit and Namsai with a Resident Certificate.
4. How do I enrol in CMAAY? Online at cmaay.com, under the Enrollment section.
5. How do I download my CMAAY card? Use Check Status on the portal with your district and Aadhaar or URN, then download your e-card.
6. Is CMAAY free? Yes, enrolment is free.
7. Does CMAAY cover OPD? No, it focuses on hospitalisation.
8. “Hey Google, what’s the CMAAY helpline?” Call 1800-233-5558.

CMAAY handles the hospital. The CoverSure app handles everything else. Download the app to keep every policy in one place, get renewal reminders, and set up SOS for one-tap alerts when you’re far from help.

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