{"id":1851,"date":"2026-11-05T19:16:00","date_gmt":"2026-11-05T19:16:00","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1851"},"modified":"2026-11-13T11:46:39","modified_gmt":"2026-11-13T11:46:39","slug":"blog-health-insurance-cmhis-nagaland-chief-minister-health-insurance-scheme","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-cmhis-nagaland-chief-minister-health-insurance-scheme\/","title":{"rendered":"What is CMHIS Nagaland?"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n
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 \u20b95 lakh per family per year. The Employee and Pensioner (EP) category covers state government employees, pensioners, legislators and public sector staff, with \u20b920 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.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

CMHIS Nagaland: The Two-Tier Health Cover Taking the State Close to Universal Coverage<\/b><\/h2>\n

Two covers, one goal<\/b><\/h3>\n

Most state schemes pick one group to serve: the poor, or government staff. Nagaland decided to do both in one go.<\/span><\/p>\n

Under the Chief Minister Health Insurance Scheme, a farming family in Mon and a senior officer in Kohima are both covered. The amounts differ: \u20b95 lakh a year for the general category and \u20b920 lakh for employees and pensioners. But both get cashless care at empanelled hospitals across India.<\/span><\/p>\n

That national reach matters in a state where many people head to Guwahati, Kolkata, Delhi or Vellore for specialist care.<\/span><\/p>\n

Here’s how CMHIS works, who fits where and how to plan beyond it.<\/span><\/p>\n\n\n\n
Kohima parents, Bengaluru job, and a CMHIS card nobody has looked at since 2022?<\/b> Let’s fix that. <\/span>Book a call with us<\/span><\/a> and we’ll help you understand the whole family’s cover. Easier than getting a seat at Hornbill.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What CMHIS covers<\/b><\/h3>\n

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.<\/span><\/p>\n\n\n\n\n\n\n
Category<\/span><\/th>\nWho<\/span><\/th>\nCover per family per year<\/span><\/th>\n<\/tr>\n<\/thead>\n
General (GEN)<\/span><\/td>\nPermanent and indigenous residents not covered under PM-JAY<\/span><\/td>\n\u20b95 lakh<\/span><\/td>\n<\/tr>\n
Employees and Pensioners (EP)<\/span><\/td>\nRegular state employees, pensioners, serving legislators, public sector staff, eligible fixed-pay staff, and dependants<\/span><\/td>\n\u20b920 lakh<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n