Msme Skill Training And Employment Scheme 2026

The Chief Minister's Comprehensive Health Insurance Scheme offers quality healthcare to eligible individuals through government and private Read More... hospitals, aiming to ease financial burdens for families and support universal health coverage. Read less

Details

Many families in India struggle with unexpected medical expenses. The Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS) is designed to help Tamil Nadu residents tackle these challenges. Launched earlier as Kalaingar Kaappittu Thittam on July 23, 2009, this scheme ensures that quality medical care is accessible without causing significant financial stress.

What Is This Scheme?

CMCHIS provides a safety net for families by covering various medical treatments and procedures. It partners with empanelled government and private hospitals across Tamil Nadu to offer cashless hospitalization. The scheme is currently managed by United India Insurance Company and aims to cover a vast number of procedures, including those for diagnosis and follow-ups, to ensure comprehensive care.

Who Can Benefit From This Scheme?

This scheme is specifically for the residents of Tamil Nadu. Its primary goal is to support families who may find it difficult to afford high-quality medical treatments. By setting specific income and family criteria, it ensures that those most in need can access its benefits.

Why This Scheme Is Important

Access to healthcare is a fundamental right, and this scheme plays a crucial role in making it a reality for many. It significantly reduces the financial strain on families facing serious illnesses or requiring extensive medical procedures. With a high sum insured, it allows beneficiaries to opt for necessary treatments without worrying about the hefty costs, thereby promoting better health outcomes and a more secure future for families in Tamil Nadu.

Objective

The Chief Minister's Comprehensive Health Insurance Scheme offers quality healthcare to eligible individuals through government and private hospitals, aiming to ease financial burdens for families and support universal health coverage.

Benefits

Under the scheme, the subsidy will be provided to the MSMEs for training; subject to a maximum of ₹2000/- per month per candidate for a maximum of 6 months.
Certificates will be provided by the National Skill Development Corporation (NSDC), after the assessment of acquired skills by the trained candidates.

Sources and references

Official Website

Eligibility Criteria

To be eligible for the Chief Minister's Comprehensive Health Insurance Scheme, you must be a resident of Tamil Nadu. Key criteria include:

Your name must be listed on the family card.
Your family's annual income should not exceed Rs. 1,20,000/-.

The 'family' definition includes the eligible member, their spouse, children, and dependent parents. You'll need to provide documents like a family card, Aadhar card, and an income certificate issued by the VAO/Revenue Authorities, along with a self-declaration from the head of the family.

How To Apply

To avail of the scheme, you can visit any of the empanelled Government or Private Hospitals. The hospital will assist you with the enrollment process. Here's a general idea of the steps involved:

Visit an empanelled hospital.
Provide the required documents for verification.
The hospital will help you complete the application and enrollment process.
If eligible, you can receive cashless treatment for covered procedures.

For more details or to check for specific application links or offline submission points, please refer to the official sources.

Documents Required

Income Certificate (issued by Village Administrative Officer/Revenue Authorities)
Ration Card (Original and Photocopy)
Self-Declaration from the Head of the Family
Proof of Identity
Address Proof
Aadhar Card
PAN Card (Optional)

FAQ’s

What is the maximum financial coverage provided by the CMCHIS?

The Chief Minister's Comprehensive Health Insurance Scheme provides coverage of up to Rs. 5,00,000/- per family per year. This is offered on a floater basis for the listed ailments and procedures.

Are follow-up and diagnostic treatments covered under this scheme?

Yes, CMCHIS covers 8 follow-up procedures and 52 diagnostic procedures in addition to the main treatments, providing a more complete healthcare support system.

Who is considered part of the 'family' for this health insurance?

For the purpose of this scheme, 'family' includes the eligible member, their legal spouse, their children, and their dependent parents. The annual income limit of Rs. 1,20,000/- applies to the entire family.

Can I get my medical expenses reimbursed if I pay upfront?

No, reimbursement claims are not allowed. The scheme is designed to provide cashless treatment only at empanelled hospitals to ease the immediate financial burden on beneficiaries.

What if the main applicant isn't available during enrollment?

If the head of the family cannot be present during enrollment, their spouse can be considered the head for the process. Enrollment can proceed for all present family members.

How many procedures are covered under CMCHIS?

The scheme covers a total of 1090 procedures, along with 8 follow-up procedures and 52 diagnostic procedures. This ensures a wide range of medical needs can be addressed.

Do children remain covered until they are adults?

Children of the beneficiary are covered under the policy until they turn 25 years old, get employed, or get married, whichever event occurs first.

Is an abdominal hysterectomy covered by the scheme?

Yes, an abdominal hysterectomy is covered under the scheme, whether it's for benign or malignant conditions. This procedure is included in the benefits offered.

What annual income is required to be eligible for CMCHIS?

To qualify for the Chief Minister's Comprehensive Health Insurance Scheme, a family's annual income must be less than Rs. 1,20,000/-. This income criterion must be supported by official documentation.

Are dental treatments part of the CMCHIS coverage?

Yes, CMCHIS does include coverage for various dental treatments. These are typically categorized under outpatient treatments within the scheme's benefits.