Nagaland CM Health Insurance Scheme (CMCHIS) 2025 – Eligibility, Benefits & How To Apply
Updated: 15-06-2026 at 5:30 PM
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Health is one of the jewels of life that all of us need to possess in preserved quality, as without good health, we cannot and should not think of anything, as nothing would be possible. To make the healthcare system better and an improved version of itself, the state government of Nagaland created and introduced a scheme called the Chief Minister Health Insurance Scheme (CMHIS) in the year 2022, under the supervision of the Health and Family Welfare Department.
With the help of this scheme, beneficiaries can access quality medical services without worrying about the immediate expenses. The features of the scheme and its wide coverage ensure that healthcare services reach the residents of the state, irrespective of their economic backgrounds.
Read the article to learn the complete details of the state government's health insurance scheme, covering its meaning, benefits, eligibility criteria, and application process.
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Nagaland Health Insurance Scheme Overview
The table below summarises key details about the Chief Minister's Health Insurance Scheme that one should know.
| Name of the scheme | Chief Minister Health Insurance Scheme (CMHIS). |
|---|---|
| Launched by | State government of Nagaland. |
| Launched in | 16th October, 2022. |
| Under the supervision of the | Health and Family Welfare Department. |
| Objective | To provide easy access to quality medical services, as and when necessary. |
| Target group | General population, currently serving govt employees, and pensioners. |
| Mode of application | Partially online and offline. |
What Is The Chief Minister Health Insurance Scheme, Nagaland?
The Chief Minister Health Insurance Scheme is a health-related government initiative launched by the state govt of Nagaland under the implementation of the Health and Family Welfare Department in the year 2022. As the name of the scheme suggests, the main aim of the scheme is to provide easy access to quality medical services, as and when necessary. The scheme also works in alignment with the Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana.
One of the things that makes it special and different from other health insurance-related schemes is its wide coverage and not restricted access. The scheme covers both the general population and the state govt employees (currently serving and retired). Through this scheme, the government authorities aim to make the state a better place to live in for the residents.
Objectives Of The Nagaland Health Insurance Scheme
The free treatment scheme Nagaland comprises various essential objectives that make the whole scheme unique and different from others, such as:
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The primary objective of the state government's health insurance scheme is to provide easy accessibility to quality medical services. The beneficiaries of this scheme can access healthcare services as and when needed without having to worry about the immediate financial costs of the treatment.
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The free treatment scheme Nagaland covers a varied range of people, like the normal population and state govt employees, presently serving and pensioners. This wide coverage of the scheme makes it one of the best and holistic state govt health insurance schemes.
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The scheme operates through both private and public hospitals. This ensures that the medical facilities of both establishments are being used by the authorities wisely, all for the overall benefit of the residents of the state of Nagaland.
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The ultimate aim of the free treatment scheme Nagaland is to ensure timely access and delivery of essential medical services, like diagnosis and treatment, so that people of the state can be healthy and happy.
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CMHIS Benefits
The primary benefit of the CMHIS Nagaland scheme is access to quality medical treatment and services as and when needed by normal people or govt employees, either currently serving or retired. Its exact benefits based on the type of beneficiaries are described below in detailed points for one’s reference.
For CMHIS EP
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Beneficiaries of the CMHIS Nagaland scheme who are either currently serving state govt employees or pensioners are provided with health-related benefits, similar to the benefits received by the central govt employees under the Central Health Government Scheme (CHGS). However, note that the specifics of the treatment accessibility might differ based on an employee’s grade pay levels.
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Here, the family of the beneficiaries is provided with Rs 2 lakh per annum on a family floater basis.
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If the treatment expenses exceed the sum insured by the government authorities through this scheme, the extra amount will be settled on a case-by-case basis by the state government authorities following the recommendation of the state medical board.
For CMHIS General Category
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Beneficiaries of the scheme who come from the general category are entitled to receive more than 1,950 medical and surgical procedures across 27 major clinical specialities. These beneficiaries are also covered under the Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana, meaning they can reap its benefits too, as and when needed.
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General category beneficiaries are entitled to get Rs 5 lakh per annum on a family floater basis, just like how it happens in the Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana.
CMHIS Eligibility Criteria
Individuals interested in applying for the free treatment scheme Nagaland are first required to fulfil all the conditions of its eligibility. The eligibility criteria based on each type of applicant are as follows.
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For CMHIS EP
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Applicant should be a govt employee, a pensioner, or their family member.
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The applicant should have valid legal documents, like the PIMS code, PPO book, Aadhaar card, and proof of relationship.
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For CMHIS General Category
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Applicant should either be an indigenous inhabitant or a permanent resident of the state of Nagaland, not covered under the Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana (AB-PMJAY).
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Applicant should have a valid Indigenous Inhabitant Certificate or a Permanent Residential Certificate issued before the year 2016 and a valid Aadhaar card.
Application Process Of The Chief Minister Health Insurance Scheme Nagaland
Eligible applicants can apply for this state government health insurance scheme via offline means. The CMHIS apply online process is partially online and partially offline. The application process is broken down below in steps for one’s better understanding:
Step 1: Please visit the official website of the CM Health Insurance Scheme.
Step 2: To start the CMHIS registration, register yourself in the portal using your personal details. Also, read the instructions carefully to understand the specifics of the state government health insurance scheme.
Step 3: Take a printout of the application form, enter the details in the application form, such as your personal details, family-related details, income details, etc., carefully and accurately. Ensure to commit no errors, as inconsistencies can lead to the complete rejection of forms.
Step 4: Attach the supporting documents to the application form. Make sure that the documents are updated and not expired.
Step 5: Review the information filled in the form, and then submit it all to the nearest Common Service Centre (CSC) or to any empanelled hospital. The CSC or the hospital will cross-check your details, and if they end up finding no discrepancies, they will submit your details to the online portal. Note that Primary Health Centres (PHCs), Community Health Centres (CHCs), District and Sub-division Treasury Offices, and outreach camps also accept the applications for this scheme.
Step 6: An additional verification will also be conducted by the insurance provider, based on which final approval and rejection will be given.
List Of Documents Required For The Chief Minister Health Insurance Scheme Nagaland
List of documents that various types of applicants are required to attach while filling the application is mentioned below in tabular format for one’s ease of understanding:
| Documents for the General (GEN) population | Documents for Employees who do not have their PIMS number | Documents for KYC (Know Your Customer) verification |
|---|---|---|
| Proof of address, in the form of an Indigenous Inhabitant Certificate (IIC) or a Permanent Residential Certificate (PRC) issued by an authorised authority. Ration cards, if applicable (preferably electronic ration cards issued by the BIS portal). | Proof of identity. Appointment letter. Proof of continuing work, issued by the controlling officer. Application form signed by the village council chairman or the war chairman. | For pensioners: First three pages of the PPO book with their PPO number, last pay scale, and designation. For govt employees: PIMS code. For family members of the employee or pensioner: Proof of relationship with the employee or pensioner and proof of ID. Disability certificate, if anyone is a person with disability. |
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Conclusion
The Chief Minister Health Insurance Scheme is a significant step taken by the state govt of Nagaland for the welfare of the residents living in the state. The scheme not only ensures the timely delivery of medical services to people but also ensures that the benefits do not remain restricted to just one class or type of people. After all, access to the healthcare system is not a luxury but a basic right that every human being deserves to have.
If you are a resident of the state of Nagaland, we request you to check your eligibility for the scheme and if eligible, apply for it as soon as possible and let the government put a protective shield against life’s uncertainties over your and your family’s head.
Visit the official website of Jaagruk Bharat to stay updated about the recent government schemes and services. Also, if you would like to connect with us, feel free to reach out to us via our community page!
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