The "Chief Minister Comprehensive Health Insurance Scheme" (CMCHIS) is a government-sponsored health insurance scheme introduced by the state government of Tamil Nadu in India. The program aims to protect families living below the poverty line and other economically disadvantaged groups by paying for their hospitalisation costs for a range of illnesses and medical treatments.
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Key features of the Chief Minister Comprehensive Health Insurance Scheme (CMCHIS):
1. Eligibility Criteria:
The scheme is typically targeted at families living below the poverty line, along with certain vulnerable groups identified by the government.
2. Coverage:
CMCHIS provides coverage for a wide range of medical procedures and treatments, including surgeries, hospitalizations, and even specialized procedures like heart surgeries, organ transplants, and cancer treatments.
3. Cashless Treatment:
One of the significant features of CMCHIS is that beneficiaries can avail cashless medical treatment at empaneled hospitals. This means that beneficiaries can receive treatment without paying upfront; the expenses are directly settled between the hospital and the insurance provider.
4. Empaneled Hospitals:
The scheme has a network of hospitals that have partnered with the government to provide medical services to beneficiaries. These hospitals must meet certain quality and infrastructure standards to be empaneled.
5. Insurance Coverage:
The beneficiaries receive a health insurance card that is linked to their coverage under the scheme. This card is presented at the empaneled hospitals to avail of cashless treatment.
6. Coverage Limit:
The scheme typically has a coverage limit per family for a specified time period. This means that medical expenses up to a certain amount are covered by the scheme during the policy period.
7. Pre-Existing Conditions:
Some pre-existing conditions might also be covered after a waiting period.
8. Premium:
In most cases, the premium for the insurance is borne by the government, and beneficiaries do not have to pay any premium to avail of the benefits.
It's important to note that the details of the CMCHIS can vary over time and might be subject to updates and changes by the government. If you're looking for specific and up-to-date information about the Chief Minister Comprehensive Health Insurance Scheme in Tamil Nadu, then you should visit the official website - https://www.myscheme.gov.in/schemes/cmchis
