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The Chief Minister's Comprehensive Health Insurance Scheme, previously known as Kalaignar Kaappittu Thittam, offers health insurance for Read More... Tamil Nadu residents. It is now managed by United India Insurance Company. Read less

Details

The Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS) was launched in Tamil Nadu on July 23, 2009. Initially called Kalaignar Kaappittu Thittam, it's currently being implemented by the United India Insurance Company from January 2022 to 2027. The main goal is to provide quality healthcare to eligible families, reducing their financial burden and moving towards universal health coverage.

What Is This Scheme?

This scheme acts as a safety net, offering health insurance to families in Tamil Nadu. It ensures that people can get necessary medical treatments without worrying too much about the costs. The scheme covers a wide array of medical procedures and hospital stays, partnering with both government and private hospitals across the state.

Who Can Benefit From This Scheme?

The scheme is designed for families residing in Tamil Nadu. A key aspect of its current phase is to provide support, especially to differently-abled individuals and their families, ensuring they have access to medical care. While the general eligibility is based on income, certain specific groups might have different criteria.

Why This Scheme Is Important

Healthcare costs can be a major worry for many families. This scheme addresses that by providing significant financial protection. With coverage of up to ₹5,00,000 per family per year, it allows people to undergo critical medical procedures and receive treatment without facing severe financial hardship. It's a crucial step towards ensuring that everyone in Tamil Nadu has access to essential medical services.

Objective

The Chief Minister's Comprehensive Health Insurance Scheme, previously known as Kalaignar Kaappittu Thittam, offers health insurance for Tamil Nadu residents. It is now managed by United India Insurance Company.

Benefits

Hostel students receive a subsistence allowance of ₹1,200 per month.

Non-hostel residents are provided with a subsistence allowance of ₹650 per month.

Reimbursement of mandatory and non-refundable fees.

Sources and references

Guidelines

Eligibility Criteria

You must be a resident of Tamil Nadu.
Your name needs to be included in the family's ration card.
The annual family income should not be more than ₹1,20,000.
You'll need to provide your ration card, Aadhaar card, and an income certificate issued by VAO/Revenue Authorities, along with a self-declaration.

How To Apply

To get the benefits of this scheme, eligible individuals need to apply. The application process typically involves submitting the required documents. For detailed steps and to find out where to submit your application, it's best to visit the official website or contact the designated authorities. The scheme is implemented through United India Insurance Company, and you can find more information on their portal or through government health departments.

Official Link: https://www.niruvuyir.tn.gov.in/

Documents Required

Ration Card
Aadhaar Card
Income Certificate (issued by VAO/Revenue Authorities)
A self-declaration form

FAQ’s

What is the main goal of the Chief Minister's Comprehensive Health Insurance Scheme?

The primary aim of this scheme is to offer comprehensive health insurance to eligible families, ensuring they receive quality healthcare and reducing financial strain during medical emergencies.

Can my family members also get health insurance under this scheme?

Yes, the scheme provides coverage for all family members. If at least one person in the family is differently-abled, the entire family can be enrolled without any income limit.

Does the scheme cover treatments for differently-abled individuals?

Yes, the scheme aims to provide health insurance coverage, and the FAQs mention specific eligibility related to differently-abled persons and their families.

What's the maximum amount I can get for medical expenses?

The scheme offers a coverage of up to ₹5,00,000 per family each year. This coverage is provided on a floater basis, meaning it can be used by any family member for eligible treatments.

Is there an income limit to apply for this health insurance?

For general eligibility, the family's annual income should not exceed ₹1,20,000. However, if a family member is differently-abled, there is no income ceiling for enrollment.

How can I apply for this health insurance?

To apply, you generally need to submit a ration card, Aadhaar card, and an income certificate. It's advisable to check the official website https://www.niruvuyir.tn.gov.in/ for the latest application procedures and submission locations.

Do I need to pay any fees to enroll in the scheme?

No, there are no fees or charges associated with enrolling in this health insurance scheme.

What kind of medical services are covered?

The scheme covers a wide range of medical treatments and hospitalization procedures. It includes 1090 procedures, 8 follow-up procedures, and 52 diagnostic procedures, offered in both government and private hospitals.

What documents are essential for the application?

Key documents required include your Ration Card, Aadhaar Card, and an income certificate from the VAO or Revenue Authorities. A self-declaration is also needed.

What if I have a complaint or issue regarding the scheme?

Grievances related to the scheme can be addressed by the Assistant Special Officer at the Commissionerate for Welfare of the Differently Abled.