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| The Chief Minister Health Insurance Scheme (CMHIS) is Nagaland’s public health insurance scheme, launched on 16 October 2022 by the Health and Family Welfare Department. It runs together with Ayushman Bharat as AB PM-JAY CMHIS. There are two tiers. The General category covers permanent and indigenous residents not covered by PM-JAY, with ₹5 lakh per family per year. The Employee and Pensioner (EP) category covers state government employees, pensioners, legislators and public sector staff, with ₹20 lakh per family per year. Treatment is cashless for inpatient care and specific day-care procedures at empanelled hospitals across India. You can register online at the CMHIS portal or at PHCs, CHCs, treasury offices, outreach camps and designated hospitals. Approved families receive an Aadhaar-verified health insurance card. |
CMHIS Nagaland: The Two-Tier Health Cover Taking the State Close to Universal Coverage
Two covers, one goal
Most state schemes pick one group to serve: the poor, or government staff. Nagaland decided to do both in one go.
Under the Chief Minister Health Insurance Scheme, a farming family in Mon and a senior officer in Kohima are both covered. The amounts differ: ₹5 lakh a year for the general category and ₹20 lakh for employees and pensioners. But both get cashless care at empanelled hospitals across India.
That national reach matters in a state where many people head to Guwahati, Kolkata, Delhi or Vellore for specialist care.
Here’s how CMHIS works, who fits where and how to plan beyond it.
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What CMHIS covers
Nagaland built CMHIS on top of Ayushman Bharat instead of running a separate system. Families already on PM-JAY stay there; CMHIS covers those who weren’t.
| Category | Who | Cover per family per year |
|---|---|---|
| General (GEN) | Permanent and indigenous residents not covered under PM-JAY | ₹5 lakh |
| Employees and Pensioners (EP) | Regular state employees, pensioners, serving legislators, public sector staff, eligible fixed-pay staff, and dependants | ₹20 lakh |
- Cashless inpatient care and specific day-care procedures.
- Empanelled hospitals across India, including well-known hospitals outside the state.
- Ward entitlement for EP members is linked to pay level, as per the official portal.
- Aadhaar-verified health insurance card for each enrolled family.
For employees, the ₹20 lakh is described as a ₹5 lakh base cover plus a ₹15 lakh top-up through an insurer. At launch, the state said part of employees’ medical allowance was converted to fund this insurance.
| Have a private policy as well? Know Your Policy explains it in plain language: what’s covered, what’s excluded and what conditions apply. That helps you avoid paying twice for the same cover. |
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How to register for CMHIS
- Visit the CMHIS portal at cmhis.nagaland.gov.in and choose Register.
- Fill in your details, including personal and family information.
- Upload documents. Identity and residency proof, such as a government ID or Permanent Resident Certificate. Employees add their PIMS code; pensioners add their PPO.
- Or apply offline at a PHC, CHC, district or sub-division treasury office, outreach camp or designated hospital.
- Wait for verification. Once approved, you get a confirmation and Household ID by SMS.
- Use your card at an empanelled hospital anywhere in India.
Helpline: 1800 202 3380 or 14555.
| Ready to register or check your status? Head to the official CMHIS website for registration, the hospital list and updates. Quicker than queueing at the treasury office on salary day. |
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| Family spread across Nagaland, Assam and Manipur? The CoverSure State Health Scheme Calculator compares every state’s scheme side by side. |
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What to keep in mind
Know your category. General and EP members get very different limits. Make sure your family is registered in the right one.
OPD and standalone tests are on you. CMHIS covers inpatient care and specific day-care procedures, not routine doctor visits or diagnostics without admission.
Registration isn’t automatic. Even if you’re eligible, your family needs to register and be verified before you can use the card.
Dependants need to be listed. Only registered dependants are covered.
| Got a private policy you haven’t reviewed since CMHIS arrived? A Policy Health Check reviews it across 30+ parameters for ₹99, benchmarked against 1,500+ plans. If CMHIS now covers the big bills, your private plan might need a different job. |
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CMHIS vs a private health plan
What CMHIS does well
- ₹20 lakh for employees and pensioners, a generous limit for that group.
- ₹5 lakh for general residents who fall outside PM-JAY.
- Hospitals across India, not just within Nagaland.
- Built on PM-JAY, so the systems connect.
Where a private plan usually adds more
- Higher cover for general-category families, beyond ₹5 lakh.
- OPD and diagnostic add-ons, available in some plans.
- Room choice for anyone, not linked to pay level.
- Restoration, cumulative bonus and other features.
- Your own contract, independent of scheme changes.
For EP families, CMHIS already covers a lot; a private plan is mostly about extras. For general-category families, a top-up can be worth thinking about.
When ₹5 lakh meets a long trip for treatment
Meet the Aos (a hypothetical general-category family; numbers are illustrative). They live in Mokokchung.
| Event in the year (hypothetical) | Used from the ₹5 lakh |
|---|---|
| Father’s cancer surgery at an empanelled hospital in Guwahati | ₹3.2 lakh |
| Daughter’s appendix surgery | ₹70,000 |
| Mother’s admission for a severe infection | ₹60,000 |
| Left for the rest of the year | ₹70,000 |
What the scheme won’t touch: travel to Guwahati, a family member’s stay near the hospital, and follow-up OPD visits.
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Who is eligible for CMHIS?
| Category | Who qualifies |
|---|---|
| General (GEN) | Permanent and indigenous residents of Nagaland not covered under PM-JAY or another public scheme |
| Employees and Pensioners (EP) | Regular state employees, serving legislators, public sector employees, eligible fixed-pay and work-charge staff on scale pay, pensioners, and dependants |
Documents: identity and residency proof (such as a Permanent Resident Certificate), Aadhaar, and PIMS code (employees) or PPO (pensioners).
CMHIS at a glance
| Detail | Chief Minister Health Insurance Scheme (Nagaland) |
|---|---|
| Launched | 16 October 2022 |
| Run by | Health and Family Welfare Department, via the Nagaland Health Protection Society |
| Linked with | Ayushman Bharat PM-JAY (AB PM-JAY CMHIS) |
| General cover | ₹5 lakh per family per year |
| Employee and pensioner cover | ₹20 lakh per family per year |
| What it pays for | Inpatient care and specific day-care procedures |
| Hospitals | Empanelled hospitals across India |
| Where to register | CMHIS portal, PHCs, CHCs, treasury offices, camps, designated hospitals |
| Main limitations | No OPD or standalone tests, registration required, general cover lower than EP |
| Helpline | 1800 202 3380 / 14555 |
| Official website | cmhis.nagaland.gov.in |
| Skimmer at heart? No judgement. CMHIS’s two tiers and registration steps, in a quick LinkedIn carousel. Swipe through it on CoverSure’s LinkedIn and share it with the relative who keeps asking “which card do I use?” |
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Quick answers (FAQs)
- What is CMHIS? Nagaland’s public health insurance scheme, launched in October 2022 and run with Ayushman Bharat.
- How much cover does CMHIS give? ₹5 lakh per family per year for the general category and ₹20 lakh for employees and pensioners.
- Who is eligible for the general category? Permanent and indigenous residents not covered under PM-JAY.
- Can I use CMHIS outside Nagaland? Yes, at empanelled hospitals across India.
- Does CMHIS cover OPD? No. It covers inpatient care and specific day-care procedures.
- How do I register? Online at the CMHIS portal, or at PHCs, CHCs, treasury offices, camps and designated hospitals.
- Can I keep my private insurance too? Yes, having another policy doesn’t stop you from applying.
- “Hey Google, what’s the CMHIS helpline?” Call 1800 202 3380 or 14555.
| CMHIS handles the hospital. The CoverSure app handles the rest. Download the app to keep every policy together, get renewal reminders and set up SOS for one-tap alerts. |
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