Imagine a comprehensive healthcare plan that not only safeguards you against the financial burden of medical expenses but also takes a proactive approach to address common health issues. Well, look no further than the CM Comprehensive Medical Insurance Plan, an extraordinary coverage that goes beyond the ordinary.

In this article, we will delve into the intriguing world of common health issues covered under this remarkable plan, revealing the vital information you need to make informed decisions about your well-being. 

What is CM’s Health Insurance Scheme (CMCHIS)?

Tamil Nadu’s healthcare system has been completely transformed by the Chief Minister’s medical insurance scheme, or CMCHIS, as it is more commonly known. People from the EWS (Economically Weaker Sections) sector of the state can get medical insurance through this scheme. It offers coverage of ₹1 lakh to enrolled participants for a total of 4 years.

To expand access to healthcare for more members of the EWS category, the Chief Minister Health Insurance Scheme was introduced in 2012. The CM plan will ultimately assist 1.34 crore households. The Tamil Nadu government offers the CM medical insurance programme through United India Insurance Company Ltd.

How to Apply for Chief Minister Health Insurance Scheme?

Simple enrollment procedures are used by CMCHIS. If you (the applicant) have all the required paperwork, just take the following actions:

  • Step 1: Ask for a certificate of income from the revenue authorities or administrative officials in your village.
  • Step 2: Present the required documentation at the Amma Medical Insurance Scheme enrollment site.
  • Step 3: Have them validated by the kiosk operator before having your fingerprint, photo, and eye scan taken.
  • Step 4: An e-card will be issued soon after verification and a biometric scan.

 Diseases And Treatments Covered

Radiation oncologyCardiologyHaematology
Bariatric surgeryObstetric surgeryNeurosurgery
DermatologyInfectious diseasesOrthopaedic trauma
OFMSRheumatologyCardiothoracic surgeries
HepatologyOphthalmology surgeriesSpine
Pediatric intensive careSurgical gastroenterologyEndocrine surgery
StemiENTInterventional cardiology
NeurologyPulmonologyNeonatology
Thoracic medicineGastroenterologyPaediatrics plastic surgery
Endocrinology (follow-up procedure)Medical oncologySurgical oncology
Interventional radiologyPediatric surgeriesGynaecology
NephrologyPsychiatryGenitourinary surgery
PMRVascular surgeries

Features of the CM Health Care Scheme

Here are the salient features of the insurance scheme: 

  • Citizens of EWS are provided with coverage inside the State. 
  • Beneficiaries can easily choose to download their Chief Minister health insurance cards and utilise them to receive cashless medical care at both private and public facilities. 
  • The programme covers a range of ailments and treatments, as well as follow-up care, diagnostic procedures, and other things. 
  • Every household will get an assured yearly payment of ₹1 lakh for a total of 4 years. 
  • For various treatments, the annual maximum limit of coverage has been raised to ₹1.5 lakh. 
  • All clients receive services from more than 250 hospitals and healthcare facilities that have been accredited. The number of hospital partners with empanelled status is larger in cities like Madurai, Chennai, and Coimbatore.
  • The programme includes 1016 medicinal treatments, 113 follow-up procedures, and 23 diagnostic procedures. 
  • The cost of the medical tests is also covered by the coverage. 
  • In order to access their plans and receive cashless care, beneficiaries receive identity cards with biometric features. 
  • Below are the things that are included within the purview of the scheme: 
  • Hospitalisation costs. 
  • Follow-up treatment costs. 
  • Diagnostic treatments. 
  • uncheckedMedical treatment. 

Wrapping Up

The CM Comprehensive Medical Insurance Plan is a comprehensive plan that aims to address a wide range of health concerns, from basic medical needs to more complex conditions, providing financial support and access to quality healthcare services.

The CM Comprehensive Medical Insurance Plan addresses common health issues comprehensively and provides a safety net for individuals and families. It promotes preventative care, prioritises mental health, supports chronic disease management, and ensures access to essential medical services. By combining comprehensive coverage with financial protection, the plan strives to enhance the overall health and well-being of the community, creating a healthier and more secure future for all.

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