{"id":1897,"date":"2026-11-06T14:56:49","date_gmt":"2026-11-06T14:56:49","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1897"},"modified":"2026-11-06T14:56:49","modified_gmt":"2026-11-06T14:56:49","slug":"blog-health-insurance-cmht-manipur-chief-minister-hakshelgi-tengbang","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-cmht-manipur-chief-minister-hakshelgi-tengbang\/","title":{"rendered":"What is the Chief Minister-gi Hakshelgi Tengbang Scheme in Manipur?"},"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;\">Chief Minister-gi Hakshelgi Tengbang (CMHT) is Manipur&#8217;s state health assurance scheme, launched on 21 January 2018. In 2022, the state raised its cover from \u20b92 lakh to \u20b95 lakh per eligible family per year. It works alongside Ayushman Bharat PM-JAY, covering vulnerable groups beyond the national list. Eligibility proof can include an AAY card, a disability certificate, a widow&#8217;s proof, a Deputy Commissioner&#8217;s certificate of economic status, or membership letters for ASHA workers, Anganwadi workers and helpers, and Ima Market women vendors. Each family gets a CMHT-Manipur Health card with a unique ID for cashless treatment at empanelled hospitals, including CHCs, district hospitals, RIMS and JNIMS. The toll-free number is 1800 103 2015.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>CMHT Manipur: The \u20b95 Lakh Health Card for Widows, AAY Families, Ima Market Vendors and More<\/b><\/h2>\n<h3><b>A scheme built around who needs it most<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Manipur&#8217;s CMHT doesn&#8217;t just look at census lists. It reaches out to specific groups: widows, people with disabilities, AAY card holders, ASHA and Anganwadi workers, and even the women vendors of Imphal&#8217;s famous Ima Market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since 2022, those families get up to \u20b95 lakh a year in cashless hospital treatment, up from \u20b92 lakh. For many households in the valley and the hills, that&#8217;s the difference between getting treated and putting it off.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here&#8217;s who qualifies, what you need and how to use your card.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Parents in Imphal, you in Bengaluru, and a CMHT card in a drawer nobody&#8217;s opened since 2022?<\/b><span style=\"font-weight: 400;\"> Let&#8217;s sort 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;\">Easier than the drive on the Imphal-Dimapur highway.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What CMHT gives you<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Up to \u20b95 lakh per family per year,<\/b><span style=\"font-weight: 400;\"> cashless, on a floater basis.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A CMHT-Manipur Health card<\/b><span style=\"font-weight: 400;\"> with a unique family ID.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Network:<\/b><span style=\"font-weight: 400;\"> CHCs, sub-district and district hospitals, RIMS, JNIMS and other empanelled hospitals.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No premium.<\/b><\/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;\"> decodes it into plain language so you can see how it fits with CMHT.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>How to enrol<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Keep your eligibility proof ready:<\/b><span style=\"font-weight: 400;\"> AAY card, disability certificate, widow&#8217;s proof, DC certificate, or the relevant membership letter.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Carry photo ID and Aadhaar.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visit an enrolment centre<\/b><span style=\"font-weight: 400;\"> such as a district hospital, RIMS or JNIMS, or an enrolment camp. ASHA workers often inform families in advance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete verification<\/b><span style=\"font-weight: 400;\"> and collect your CMHT card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use the card<\/b><span style=\"font-weight: 400;\"> at empanelled hospitals.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Toll-free: <\/span><b>1800 103 2015<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want the official details?<\/b><span style=\"font-weight: 400;\"> Visit the <\/span><a href=\"https:\/\/cmhtmanipur.gov.in\"><span style=\"font-weight: 400;\">official CMHT Manipur portal<\/span><\/a><span style=\"font-weight: 400;\"> for eligibility and hospital lists. More reliable than the market gossip, however well-informed the Imas are.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Family across Manipur, Nagaland 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>Check whether you&#8217;re on PM-JAY or CMHT.<\/b><span style=\"font-weight: 400;\"> Some families are covered by the central scheme, others by CMHT. Your category decides which.<\/span><\/p>\n<p><b>General ailments may have a lower limit.<\/b><span style=\"font-weight: 400;\"> Earlier scheme documents capped general (non-critical) ailments at \u20b950,000. Ask whether that sub-limit still applies to your treatment.<\/span><\/p>\n<p><b>Hospital stays only.<\/b><span style=\"font-weight: 400;\"> Routine OPD isn&#8217;t covered.<\/span><\/p>\n<p><b>Hospital list matters.<\/b><span style=\"font-weight: 400;\"> Confirm a hospital&#8217;s empanelment before admission, especially private ones.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Have a private plan you haven&#8217;t compared with CMHT?<\/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.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>CMHT card, widow pension papers, LIC policy?<\/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 them all in one place. 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 access the card quickly.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>CMHT vs a private plan<\/b><\/h3>\n<p><b>What CMHT 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 vulnerable groups often missed by other schemes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Recognises specific groups<\/b><span style=\"font-weight: 400;\"> like widows, disabled people and Ima Market vendors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Strong public hospital network,<\/b><span style=\"font-weight: 400;\"> including RIMS and JNIMS.<\/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>Open to anyone<\/b><span style=\"font-weight: 400;\"> who meets the insurer&#8217;s rules.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No sub-limits by ailment type.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitals across India,<\/b><span style=\"font-weight: 400;\"> including large specialist centres.<\/span><\/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 a sub-limit meets a common illness<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Meet the Devis (a hypothetical CMHT family; numbers are illustrative). They live in Bishnupur.<\/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 cardiac procedure at RIMS, \u20b92.5 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Son&#8217;s admission for a severe infection, \u20b960,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Possibly capped if the \u20b950,000 general-ailment limit applies<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Treatment at a specialist hospital outside Manipur<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Check empanelment first<\/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<p><span style=\"font-weight: 400;\">Residents of Manipur who can show one of these:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AAY ration card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disability certificate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Widow&#8217;s proof (husband&#8217;s death certificate)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deputy Commissioner&#8217;s certificate of economic status<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Membership letter as an ASHA worker, Anganwadi worker or helper, or Ima Market woman vendor<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any other document approved by the Government of Manipur<\/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;\">CMHT (Manipur)<\/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;\">21 January 2018<\/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 (raised from \u20b92 lakh in 2022)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Who qualifies<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AAY families, widows, disabled people, DC-certified poor families, ASHA and Anganwadi workers, Ima Market vendors<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">CMHT-Manipur Health card with unique ID<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospitals<\/span><\/td>\n<td><span style=\"font-weight: 400;\">CHCs, district hospitals, RIMS, JNIMS and empanelled hospitals<\/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;\">Category-based eligibility, possible sub-limits, no OPD<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Toll-free<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1800 103 2015<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Official website<\/span><\/td>\n<td><a href=\"https:\/\/cmhtmanipur.gov.in\"><span style=\"font-weight: 400;\">cmhtmanipur.gov.in<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Prefer slides?<\/b><span style=\"font-weight: 400;\"> CMHT&#8217;s eligibility and benefits in a quick LinkedIn carousel. <\/span><a href=\"https:\/\/www.linkedin.com\/posts\/coversurein_chief-minister-gi-hakshelgi-tengbang-cmht-activity-7511028540528545793-lgGZ?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 someone who qualifies but doesn&#8217;t know it.<\/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 CMHT?<\/b><span style=\"font-weight: 400;\"> Manipur&#8217;s state health assurance scheme, Chief Minister-gi Hakshelgi Tengbang.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How much cover does it give?<\/b><span style=\"font-weight: 400;\"> Up to \u20b95 lakh per family per year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Who is eligible?<\/b><span style=\"font-weight: 400;\"> AAY families, widows, disabled people, DC-certified poor families, ASHA and Anganwadi workers, and Ima Market vendors, among others.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What documents do I need?<\/b><span style=\"font-weight: 400;\"> One eligibility proof plus photo ID.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Where can I use the card?<\/b><span style=\"font-weight: 400;\"> At empanelled hospitals including RIMS, JNIMS and district hospitals.<\/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 CMHT toll-free number?&#8221;<\/b><span style=\"font-weight: 400;\"> Call 1800 103 2015.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>CMHT handles the hospital. CoverSure handles 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: Ladakh. <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Subscribe to the CoverSure newsletter<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>QUICK GIST Chief Minister-gi Hakshelgi Tengbang (CMHT) is Manipur&#8217;s state health assurance scheme, launched on 21 January 2018. In 2022, the state raised its cover from \u20b92 lakh to \u20b95 lakh per eligible family per year. It works alongside Ayushman Bharat PM-JAY, covering vulnerable groups beyond the national list. Eligibility proof can include an AAY [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1898,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[124],"class_list":["post-1897","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>CMHT Manipur: \u20b95 Lakh Health Cover, Eligibility &amp; Card<\/title>\n<meta name=\"description\" content=\"Manipur&#039;s CMHT gives AAY families, widows, disabled people and other groups \u20b95 lakh cashless cover a year. 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