{"id":1894,"date":"2026-11-06T14:29:32","date_gmt":"2026-11-06T14:29:32","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1894"},"modified":"2026-11-06T14:29:32","modified_gmt":"2026-11-06T14:29:32","slug":"blog-health-insurance-cm-jay-tripura","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-cm-jay-tripura\/","title":{"rendered":"What is CM-JAY Tripura?"},"content":{"rendered":"<table>\n<thead>\n<tr>\n<th><b>QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">The Chief Minister Jan Arogya Yojana (CM-JAY) is Tripura&#8217;s state-funded health scheme, launched on 15 February 2024. It covers about 4.15 lakh families who were left out of Ayushman Bharat PM-JAY, which already covers around 5.12 lakh families in the state, so together every family in Tripura can have cover. CM-JAY mirrors PM-JAY, giving \u20b95 lakh per family per year in cashless, paperless treatment at empanelled hospitals in Tripura, plus free medicines for 15 days after discharge. State government employees can join if they give up their annual medical allowance of \u20b96,000. Patients not on the PM-JAY list can be enrolled directly by Ayushman Mitras at the hospital. As per a state document, about 4.48 lakh CM-JAY cards had been issued by August 2024. The scheme is run by the Tripura Health Protection Society.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>CM-JAY Tripura: How the State Closed the Gap Ayushman Bharat Left Open<\/b><\/h2>\n<h3><b>The other 4.15 lakh families<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Tripura has around 9.75 lakh families. When Ayushman Bharat arrived, a little over half of them were covered. The rest, about 4.15 lakh families, had no state-funded health insurance at all.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In February 2024, Tripura changed that with the Chief Minister Jan Arogya Yojana. Now, at least on paper, every family in the state has access to \u20b95 lakh of cover a year, whether through PM-JAY or CM-JAY.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CM-JAY even includes state government employees, if they&#8217;re willing to trade their medical allowance for it. Here&#8217;s how it works.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Agartala job, parents in Udaipur, and nobody sure which scheme they&#8217;re on?<\/b><span style=\"font-weight: 400;\"> We&#8217;ll help you figure it out. <\/span><a href=\"https:\/\/www.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1#bookacall\"><span style=\"font-weight: 400;\">Book a call with us.<\/span><\/a><span style=\"font-weight: 400;\"> Faster than a rickshaw ride across Agartala at peak hour.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What CM-JAY covers<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh per family per year,<\/b><span style=\"font-weight: 400;\"> floater basis, modelled on PM-JAY.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cashless and paperless<\/b><span style=\"font-weight: 400;\"> treatment at empanelled hospitals in Tripura.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Free medicines for 15 days after discharge.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Same hospital network as PM-JAY<\/b><span style=\"font-weight: 400;\"> within the state.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No premium<\/b><span style=\"font-weight: 400;\"> for families.<\/span><\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th><b>Have a private policy too?<\/b> <a href=\"https:\/\/www.coversure.in\/knowyourpolicy\"><span style=\"font-weight: 400;\">Know Your Policy<\/span><\/a><span style=\"font-weight: 400;\"> explains it in plain language, so you can see whether it covers treatment outside Tripura, which CM-JAY may not.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>How to get CM-JAY<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check if your family is on PM-JAY.<\/b><span style=\"font-weight: 400;\"> If not, you&#8217;re likely eligible for CM-JAY.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bring ID:<\/b><span style=\"font-weight: 400;\"> Aadhaar and ration card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visit an empanelled hospital or centre<\/b><span style=\"font-weight: 400;\"> for verification.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get your card.<\/b><span style=\"font-weight: 400;\"> If you&#8217;re admitted and not on PM-JAY, the hospital&#8217;s Ayushman Mitra can enrol you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use it<\/b><span style=\"font-weight: 400;\"> at empanelled hospitals in Tripura.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Helplines: <\/span><b>14555<\/b><span style=\"font-weight: 400;\"> \/ <\/span><b>1800-345-3797<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want to check your status?<\/b><span style=\"font-weight: 400;\"> Visit the <\/span><a href=\"https:\/\/abpmjay.tripura.gov.in\"><span style=\"font-weight: 400;\">official Tripura AB-PMJAY portal<\/span><\/a><span style=\"font-weight: 400;\">. More reliable than the neighbourhood tea stall&#8217;s update.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Family in Tripura, Assam and Mizoram?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/unfold.coversure.in\/state-health-schemes\"><span style=\"font-weight: 400;\">CoverSure State Health Scheme Calculator<\/span><\/a><span style=\"font-weight: 400;\"> compares all three.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Worth knowing<\/b><\/h3>\n<p><b>PM-JAY or CM-JAY? Check which one you&#8217;re on.<\/b><span style=\"font-weight: 400;\"> They run side by side, and your card type affects where you can be treated.<\/span><\/p>\n<p><b>CM-JAY is built around hospitals in Tripura.<\/b><span style=\"font-weight: 400;\"> A state document describes cashless care at empanelled hospitals within Tripura. PM-JAY cards work across India, but don&#8217;t assume a CM-JAY card does. Ask before travelling for treatment.<\/span><\/p>\n<p><b>Employees give something up.<\/b><span style=\"font-weight: 400;\"> State employees joining CM-JAY forgo their \u20b96,000 annual medical allowance.<\/span><\/p>\n<p><b>Hospital stays only.<\/b><span style=\"font-weight: 400;\"> No routine OPD cover.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Bought a private plan before CM-JAY existed?<\/b><span style=\"font-weight: 400;\"> A <\/span><a href=\"https:\/\/policycheck.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1\"><span style=\"font-weight: 400;\">Policy Health Check<\/span><\/a><span style=\"font-weight: 400;\"> reviews it across 30+ parameters for \u20b999, against 1,500+ plans. It might now be most useful for treatment outside Tripura.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>CM-JAY card, discharge papers and a 15-day medicine slip?<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Add your state scheme to your CoverSure insurance portfolio<\/span><\/a><span style=\"font-weight: 400;\"> and keep everything together. Turn on <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Family Share<\/span><\/a><span style=\"font-weight: 400;\"> so family can find the card when needed.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>CM-JAY vs a private plan<\/b><\/h3>\n<p><b>What CM-JAY does well<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh free<\/b><span style=\"font-weight: 400;\"> for families outside PM-JAY.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Free medicines for 15 days<\/b><span style=\"font-weight: 400;\"> after discharge.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Open to state employees<\/b><span style=\"font-weight: 400;\"> who swap their medical allowance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>On-the-spot enrolment<\/b><span style=\"font-weight: 400;\"> at hospitals.<\/span><\/li>\n<\/ul>\n<p><b>Where a private plan usually adds more<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitals across India,<\/b><span style=\"font-weight: 400;\"> useful for treatment in Guwahati, Kolkata or beyond.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher sums insured and room choice.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Restoration, cumulative bonus and 80D tax benefit<\/b><span style=\"font-weight: 400;\"> (old regime; please verify limits).<\/span><\/li>\n<\/ul>\n<h3><b>When treatment means leaving the state<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Meet the Debbarmas (a hypothetical CM-JAY family; numbers are illustrative). They live in Agartala.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Event (hypothetical)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Covered?<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Mother&#8217;s gallbladder surgery in Agartala, \u20b980,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes, plus 15 days of free medicines<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Father referred to a Kolkata hospital for cardiac surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Check with the scheme first; CM-JAY is described as Tripura-based<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Travel and stay in Kolkata<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Under-covered or over-covered?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/www.coversure.in\/riskcalculator\"><span style=\"font-weight: 400;\">CoverRisk Calculator<\/span><\/a><span style=\"font-weight: 400;\"> weighs your income, life stage, dependants and liabilities and tells you where you stand. Free.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Who is eligible?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tripura families not covered under PM-JAY<\/b><span style=\"font-weight: 400;\"> or another government scheme (about 4.15 lakh families).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>State government employees,<\/b><span style=\"font-weight: 400;\"> if they give up the annual medical allowance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seniors aged 70+<\/b><span style=\"font-weight: 400;\"> can also use the national Vay Vandana card.<\/span><\/li>\n<\/ul>\n<h3><b>At a glance<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Detail<\/span><\/th>\n<th><span style=\"font-weight: 400;\">CM-JAY (Tripura)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Launched<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15 February 2024<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Run by<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tripura Health Protection Society<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cover<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95 lakh per family per year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Who qualifies<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Families outside PM-JAY; state employees who forgo medical allowance<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Extras<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Free medicines for 15 days after discharge<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cards issued<\/span><\/td>\n<td><span style=\"font-weight: 400;\">About 4.48 lakh (by 31 August 2024)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospitals<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Empanelled hospitals in Tripura<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Premium<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Main limitations<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tripura-based network, no OPD<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Helplines<\/span><\/td>\n<td><span style=\"font-weight: 400;\">14555 \/ 1800-345-3797<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Official website<\/span><\/td>\n<td><a href=\"https:\/\/abpmjay.tripura.gov.in\"><span style=\"font-weight: 400;\">abpmjay.tripura.gov.in<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want the swipe version?<\/b><span style=\"font-weight: 400;\"> CM-JAY in a quick LinkedIn carousel. <\/span><a href=\"https:\/\/www.linkedin.com\/posts\/coversurein_chief-ministers-jan-arogya-yojana-cm-jay-activity-7505962526313050113-ri8F?utm_source=li_share&amp;utm_content=feedcontent&amp;utm_medium=g_dt_web&amp;utm_campaign=copy\"><span style=\"font-weight: 400;\">Swipe through it on CoverSure&#8217;s LinkedIn<\/span><\/a><span style=\"font-weight: 400;\"> and share it with every family that thought they weren&#8217;t covered.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Quick answers (FAQs)<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What is CM-JAY?<\/b><span style=\"font-weight: 400;\"> Tripura&#8217;s state scheme giving \u20b95 lakh cover to families left out of PM-JAY.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>When was it launched?<\/b><span style=\"font-weight: 400;\"> 15 February 2024.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Can government employees join?<\/b><span style=\"font-weight: 400;\"> Yes, if they give up the \u20b96,000 annual medical allowance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are medicines covered after discharge?<\/b><span style=\"font-weight: 400;\"> Yes, for 15 days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Does CM-JAY work outside Tripura?<\/b><span style=\"font-weight: 400;\"> It&#8217;s described as Tripura-based. Check before travelling.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is OPD covered?<\/b><span style=\"font-weight: 400;\"> No.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is there a premium?<\/b><span style=\"font-weight: 400;\"> No.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;Hey Google, what&#8217;s the Ayushman helpline?&#8221;<\/b><span style=\"font-weight: 400;\"> Call 14555.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>CM-JAY covers the hospital. CoverSure covers the rest.<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Download the CoverSure app<\/span><\/a><span style=\"font-weight: 400;\"> for policy storage, <\/span><a href=\"https:\/\/www.coversure.in\/insurance-renewal\"><span style=\"font-weight: 400;\">renewal<\/span><\/a><span style=\"font-weight: 400;\"> reminders and <\/span><a href=\"https:\/\/www.coversure.in\/SoS\"><span style=\"font-weight: 400;\">SOS<\/span><\/a><span style=\"font-weight: 400;\"> alerts.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p><span style=\"font-weight: 400;\">Next up: Mizoram. <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Subscribe to the CoverSure newsletter.<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>QUICK GIST The Chief Minister Jan Arogya Yojana (CM-JAY) is Tripura&#8217;s state-funded health scheme, launched on 15 February 2024. It covers about 4.15 lakh families who were left out of Ayushman Bharat PM-JAY, which already covers around 5.12 lakh families in the state, so together every family in Tripura can have cover. CM-JAY mirrors PM-JAY, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1895,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[124],"class_list":["post-1894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-state-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CM-JAY Tripura: \u20b95 Lakh Cover for Families Outside Ayushman<\/title>\n<meta name=\"description\" content=\"Tripura&#039;s CM-JAY gives families left out of PM-JAY \u20b95 lakh cashless cover a year, plus 15 days of free medicines after discharge. 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