Chief Minister's Comprehensive Health Insurance Scheme: Eligibility, Application & More

16^th Dec 2025...

Published By : Team 811

Chief Minister's Comprehensive Health Insurance Scheme Key Takeaways

Chief Minister Comprehensive Health Insurance Scheme, or CMCHIS, provides cashless medical treatment up to INR 5 lakh per family per year on a floater basis.
It covers over 1000 procedures across over 800 government and over 900 private empanelled hospitals.
A valid CM Health card or Kalaignar Kapitu Thittam Card is required to avail the benefits.

The Chief Minister Comprehensive Health Insurance Scheme, launched by the Government of Tamil Nadu, aims to provide quality healthcare to eligible individuals. It helps reduce financial burdens on the families by allowing cashless treatment. It also allows access to better healthcare by supporting treatment at government and private hospitals.

What is the Chief Minister Comprehensive Health Insurance Scheme?

The Chief Minister Comprehensive Health Insurance Scheme was launched on July 23, 2009. It was previously known as Kalaingar Kaappittu Thittam. The scheme is currently being implemented through United India Insurance Company. It provides cashless hospitalisation for specific procedures or ailments and provides coverage up to INR 5 lakhs per family per year on a floater basis. The benefit is provided for the ailments and procedures covered under the scheme. CMCHIS scheme provides the CM health card or Kalaignar Kapitu Thittam Card that helps avail the services.

Who Benefits From the Chief Minister Comprehensive Health Insurance Scheme?

The families from low-income households can benefit from the CMCHIS scheme under Chief Minister Comprehensive Health Insurance Scheme. By now, around 1090 procedures, 8 follow-up procedures and 1.48 crore families have benefitted from the scheme. They have been covered under CMCHIS in 800 government and 900 private empanelled hospitals.

Key Features & Benefits of CM Health Card

Offers cashless treatment at government or private hospitals
Covers the pre-existing conditions without a waiting period
Covers more than 1092 procedures, 52 diagnostics and 8 follow-up treatments, along with maternity and newborn care, major surgeries, ambulance and transport costs and others
Relieves financial burden on families by covering medical expenses up to INR 5 lakh per family per year on a floater basis
Offers access to over 800 government and over 900 private hospitals

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Eligibility Criteria to Get Kalaignar Kapitu Thittam Card

Applicant must be a resident of Tamil Nadu
Applicant’s family name must be present on the family ration card
Annual income of the family should be less than INR 1,20,000

The family here includes the eligible member, legal spouse, children and dependent parents.

Exclusions

Non-residents of Tamil Nadu
Members not listed on the ration card
Earning more than the mentioned income
Migrants from other Indian states who lack a migration certificate from the appropriate authority
Non-Sri Lankan refugees who do not possess proof of citizenship
Orphans and rescued girl children who are not associated with any registered or unregistered organisation

Documents Required for Kalaignar Kapitu Thittam Card

Family card
Aadhaar card
Ration card
Income certificate from the local authorities

Application Process of the CM Health Card

The application to gain a CM Health Card can be done by the following method:

Get the income certificate from the Village Administrative Officer or Revenue Authorities
Head to the CMCHIS portal and download the CMCHIS enrolment form
Fill it carefully and accurately
Head to the enrollment centre with all the necessary documents and the form
Provide the documents to the kiosk operator to begin the verification process
Provide the biometric details like eye scan, fingerprints and photograph
An e-card will be issued after the verification of the stated details

Check the Status of the CM Health Card

You can check the status of the CM health card either by visiting the official CMCHIS portal or by connecting to the 24*7 active toll-free number 1800 425 3993.

Conclusion

Chief Minister Comprehensive Health Insurance Scheme or CMCHIS provides medical coverage of INR 5 lakh through a CM Health card or Kalaignar Kapitu Thittam Card. The scheme is implemented by the Government of Tamil Nadu for low-income families. The benefit is provided per family per year on a floater basis. The schemes help families get cashless medical treatment.

FAQs on CM Comprehensive Health Insurance Scheme

1. Whom to connect with for complaints regarding the CMCHIS scheme?

You can call at 044-24345992 or 044-24335993 for any issues or queries regarding the CMCHIS scheme. A 24-hour call centre has also been established to help citizens with queries in their local language. Connect there at 1800 425 3993.

2. Can I get dental treatment through the CM Health card?

Yes, different types of dental treatment are covered under the CMCHIS scheme. You can avail the benefit of the CM Health card.

3. Is it possible to complete the enrollment procedure in CMCHIS without the physical presence of the head of the family?

Yes, in the absence of the head of the family, the spouse will be considered as head, and the enrollment process can be completed accordingly.

4. Till what age are children eligible for benefits under the CM Health card?

Children till the age of 25 years, before employment or marriage, whichever comes first, are eligible to avail the benefit under the CM Health card.

5. What type of claims are allowed under CMCHIS?

The cashless claims are allowed at the empanelled hospital under the Chief Minister Comprehensive Health Insurance Scheme.

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