CM Health Insurance scheme is a step in the right direction toward providing world-class health care to millions of people in Tamil Nadu, India’s southernmost state. With more than 65 percent of the state’s population covered by health insurance, the program is proving to be a success.

What Is CM health insurance Scheme?

CM Health Insurance scheme is for underprivileged families who have low-income. They do not have to worry about money in the event of a medical emergency because of the “Amma Maruthuva Kapitu Thittam.” With the use of cashless facilities, this Tamil Nadu CM  health Insurance covers the complete family.

What Does Amma Health Insurance(CM Health Insurance) Cover?

When a medical emergency occurs, the Amma health insurance plan provides financial assistance. A beneficiary can get the following coverage with this health insurance plan:

  1. Hospitalization: The expense of treatment at a hospital that has been accredited is covered. However, the treatment should be included in Amma Health Insurance’s list of permitted medical treatments.
  2. Diagnostic Procedures: During a medical emergency, hospitalization costs a significant amount of money. Diagnostic tests, on the other hand, need a significant sum of money. These operations are covered by the insurance policy.
  3. Follow-up Treatments: Most commercial health insurance plans do not cover follow-up treatments. However, Amma Kapitu Thittam provides this coverage. This significantly minimizes the cost burden of medical treatment.

The Chief Minister’s Comprehensive Health Insurance Scheme has the following features:

This is a useful health insurance plan that includes the following benefits:

  1. Family-floater Plan: Amma health insurance is a sort of family-floater plan. This plan provides health insurance coverage to all registered members of an eligible household. When protected through the TN CM Insurance Scheme, there is no need to be concerned about future medical crises.
  2. Cashless Claims: This health insurance plan’s beneficiaries are not required to pay money when seeking treatment at an empaneled hospital. This is a significant benefit to the beneficiary because he or she will no longer have to worry about obtaining funds for treatment.
  3. Health Camps on a Regular Basis: Empanelled hospitals are required to hold health camps at least once a month. Free check-ups and follow-up treatments are available to the beneficiary on a regular basis.
  4. Coverage for Sri Lankan refugees: A Sri Lankan refugee’s income is not limited in order to enrol in Amma Health Insurance. As a result, he or she will be able to receive seamless healthcare at the selected location.
  5. Amma Health Insurance features a live call center that can handle a variety of questions 24 hours a day, 7 days a week. If a person has a problem with the health insurance that is available, they can quickly find a remedy.

Amma Health Insurance (CM Health Insurance Scheme) Benefits:

Enrolling in the CMCHIS program provides the following benefits:

  1. Medical Emergencies Coverage: Due to the rising costs of healthcare in India, some families are financially unprepared to deal with a medical emergency. Amma Health Insurance is a step in removing this barrier and providing access to high-end medical procedures.
  2. A Huge Number Of Network Hospitals: Amma Health Insurance has impaneled a large number of hospitals to provide services. People benefit from this since they can get to a medical center faster. As a result, in the event of an emergency, care will be provided at the appropriate moment.
  3. Amma Health Insurance Covers a Wide Range of Treatments: Amma Health Insurance covers a wide range of treatments. Beneficiaries are less likely to pay money out of their own pockets as a result of this. They are entitled to receive any therapy that is covered under the coverage at no cost to them.
  4. High Sum Insured: For each policy year, CMCHIS gives a high coverage of 5 lakh rupees to each family. This amount of coverage appears to be sufficient to cover the majority of minor medical procedures.
  5. Additional Coverage: Follow-up treatments and diagnostic tests are not always covered by a standard health insurance policy. Amma Health Insurance, on the other hand, covers these expenses.

Criteria for CM’s Health Insurance Eligibility:

The Chief Minister’s Comprehensive Health Insurance Scheme is designed for low-income families who may not have access to the necessary healthcare services. Anyone interested in enrolling in this plan must meet all of the eligibility requirements. The following are the requirements:

  • The family must be Tamil Nadu residents.
  • An annual income of less than Rs.72, 000/- is required.
  • The family’s ration card should include the name of the individual.
  • It’s possible that the applicant is a Sri Lankan refugee with proof of citizenship.
  • Girls who are orphaned or rescued from any registered or unlicensed group.
  • Migrants from other Indian states with valid migration certificates issued by the appropriate authority (they should reside in Tamil Nadu for at least six months).

Documents Required for CM’s Health Insurance Application:

To apply for the CM’s health insurance policy, you must have the following items:

  • Income Certificate
  • Ration Card (a copy and original both)
  • A self-declaration from the family’s head
  • At the time of enrolment, the following documents should be brought with you.
  • Identification proof
  • Proof of address
  • Aadhar card
  • Pan card

Period of Coverage & Maximum Limit:

The Amma Health Insurance scheme has a one-year policy period after which the policyholder must renew the policy.

This policy has a maximum limit of 5 lakh rupees. All registered family members can use this money to get treatment for the ailments/diseases covered by the policy.

How to claim CMCHIS?

Amma Health Insurance has enlisted the services of a large number of hospitals. The majority of claims will be cashless. It indicates that the beneficiary may not be responsible for paying the hospital expense out of pocket.

The recipient must provide the Maruthuva Kapitu Thittam Card or the smart card to the hospital in the event of a medical emergency. This card is given to a beneficiary when they enroll in Amma Health Insurance. The information will be sent to the Third Party Administrator (TPA) or insurance company by the hospital authorities.

The hospital and the insurance carrier will directly settle the CMCHIS claim amount.

CM Health Insurance Plan Covers The Following Diseases And Treatments:

This health insurance plan covers a wide range of treatments for a variety of ailments.

1. Cardiology

2. Dermatology

3. ENT

4. Endocrine surgery

5. Pulmonology

6. Neurology

7. Rhemutalogy

8. Neurosurgery

9. Hepatology

10. Infectious Diseases

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