{"id":1844,"date":"2026-11-05T16:54:05","date_gmt":"2026-11-05T16:54:05","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1844"},"modified":"2026-11-13T11:46:39","modified_gmt":"2026-11-13T11:46:39","slug":"blog-health-insurance-cmaay-chief-minister-arogya-arunachal-yojana","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-cmaay-chief-minister-arogya-arunachal-yojana\/","title":{"rendered":"What is the Chief Minister Arogya Arunachal Yojana in Arunachal Pradesh?"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n
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 \u20b95 lakh per family per year, split into two parts: \u20b91 lakh for secondary care and \u20b94 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.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

CMAAY Decoded: How Arunachal’s \u20b95 Lakh Health Cover Is Split, Who Qualifies, and What to Plan Around<\/b><\/h2>\n

A \u20b95 lakh card with two pockets<\/b><\/h3>\n

Most state health cards work like a single wallet. You spend from one limit until it runs out.<\/span><\/p>\n

CMAAY works more like a wallet with two pockets. One pocket holds \u20b91 lakh for secondary care, typically the more common hospital stays and surgeries. The other holds \u20b94 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.<\/span><\/p>\n

Once you understand that, CMAAY makes a lot of sense. It also tells you exactly where your family might need extra cover.<\/span><\/p>\n

Let’s walk through how it works, who it’s for and how to enrol.<\/span><\/p>\n\n\n\n
Parents in Ziro, you in Guwahati, the CMAAY e-card in an inbox nobody checks?<\/b> We can help. <\/span>Book a call with us<\/span><\/a> and we’ll map out what your family is covered for, pocket by pocket. No mountain trek required.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What CMAAY gives an Arunachal family<\/b><\/h3>\n

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.<\/span><\/p>\n

The benefits:<\/span><\/p>\n