Overview
According to India Today NE, nearly 96% of households in Nagaland now have some form of cashless hospitalization cover under the Chief Minister Health Insurance Scheme Nagaland (CMHIS). It ensures that families left out of existing government insurance schemes still receive meaningful financial protection during medical emergencies.
In the next few minutes, you will learn what CMHIS is, which category you fall under, what it covers, how to register, where you can use it, and whether the scheme alone is enough to protect your family's healthcare finances.
What Is the Chief Minister Health Insurance Scheme Nagaland?
The Chief Minister Health Insurance Scheme (CMHIS) is a flagship public health insurance scheme of the Government of Nagaland, launched on October 16, 2022. It is run by the Health and Family Welfare Department, Government of Nagaland, and implemented through the Nagaland Health Protection Society (NHPS). It provides free and cashless treatment to eligible beneficiaries at empaneled hospitals and was introduced to bridge the healthcare coverage gap left by Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), which does not extend to everyone in the state.
CMHIS works in convergence with AB PM-JAY. Together, the combined program is officially called the "Ayushman Bharat Pradhan Mantri Jan Arogya Yojana - Chief Minister Health Insurance Scheme (AB-PMJAY CMHIS)."
According to NHPS officials, while PM-JAY covers roughly 2.59 lakh families in Nagaland, CMHIS was created specifically to extend cover to government employees, pensioners, and households that don't fall under any existing central or state health scheme.
CMHIS GEN vs. CMHIS EP: Which Category Do You Belong To?
CMHIS beneficiaries fall under one of two categories: Employees and Pensioners (EP) and General Category (GEN).
You Fall Under CMHIS EP if You Are:
- A regular State government employee, serving legislator, eligible public-sector employee, or fixed-pay/work-charge employee on scale pay.
- A pensionable retired state government employee or an ex-legislator.
- An eligible dependent family member of any of the above.
You Fall Under CMHIS GEN if You Are:
- An indigenous inhabitant or permanent resident of Nagaland who is not covered under AB PM-JAY, CMHIS EP or any other publicly funded government health scheme.
- A contractual or ad-hoc state government employee.
- A fixed-pay state government employee with a valid PIMS code who does not qualify for CMHIS EP as a fixed-pay/work-charge employee on scale pay.
- An accredited journalist of Nagaland.
Coverage and Benefits Under the Chief Minister Health Insurance Scheme Nagaland
Note: Both CMHIS (EP) and CMHIS (GEN) cover free and cashless hospitalization for eligible medical and surgical treatment, including pre-existing diseases, at empaneled hospitals. The exact treatments covered, hospital-specialty eligibility and pre-authorization requirements depend on the applicable health-benefit packages for each category.
Additional Provision
What Does CMHIS Nagaland Not Cover?
Routine Outpatient Department
Regular consultations and treatments that do not require hospitalization are not covered.
Diagnostic-Only Care
Standalone tests or admissions made only for evaluation or diagnosis are excluded. Tests linked to an approved hospitalization will be covered.
Routine Dental Care
Fillings, root-canal treatment, dental implants, and corrective or cosmetic dental procedures are excluded. Dental treatment may be covered when required due to an injury or any other eligible medical condition.
Vaccination and Immunization
These are generally excluded when taken as standalone services.
Cosmetic Procedures
Treatments like tattoo removal, cosmetic rhinoplasty, augmentation surgery, and fat grafting are not covered.
How to Register for CMHIS Nagaland and the Documents Required?
Offline Registration and Enrollment Centers
Applicants who need assistance can register or complete card enrolment at designated centers, including:
- Primary Health Centers (PHCs) and Community Health Centers (CHCs) empaneled under AB-PMJAY CMHIS.
- District and sub-divisional treasury offices for pensioners.
- Outreach enrolment and welfare-scheme camps.
- Designated private hospitals providing registration services.
Submit the required documents at the center for verification and online processing. Once the application is approved, you will receive a confirmation message containing the household ID. Aadhaar e-KYC must then be completed for each approved member to generate the individual Ayushman CMHIS card.
Note: Not every empaneled hospital is a registration center. Confirm that the facility provides registration or card-generation services before visiting.
How to Register for CMHIS Nagaland Online?
Eligible applicants can register through the official CMHIS Nagaland registration portal.
Step 1: Choose Register with PIMS Code, Government Pensioner, or General Category, depending on your eligibility.
Step 2: Enter the applicant’s details and add eligible household members or dependents. Ensure that names and dates of birth match the Aadhaar records.
Step 3: Upload the documents required for the selected category and submit the application.
Step 4: The designated government authority verifies the application and supporting documents. Registration alone does not confirm eligibility.
Step 5: Once approved, the applicant receives the Household ID through the registered mobile number or email address.
Step 6: Complete Aadhaar e-KYC for each approved member at an authorized registration or card-generation center to obtain the individual Ayushman CMHIS cards.
Documents Required for CMHIS Nagaland
CMHIS GEN: Indigenous Inhabitants and Permanent Residents
- Valid mobile number.
- Aadhaar card.
- Indigenous inhabitant certificate or permanent resident certificate issued by the competent district authority after 2016.
- Details of eligible household members.
- Downloaded household-registration form countersigned by the village council or ward chairman, where required.
Ration-Card Holders: Eligible households whose details are already available in the National Health Authority’s Beneficiary Identification System (BIS) should obtain their e-cards through the BIS process instead of registering again on the CMHIS portal.
CMHIS GEN: Employees Without a Personal Information Management System (PIMS) Code
- Valid mobile number.
- Government-issued photo ID.
- Engagement or appointment order.
- Letter from the controlling officer confirming continued employment.
- Downloaded registration form containing household-member details, countersigned by the village council or ward chairman.
CMHIS EP: Government Employees
- Valid mobile number.
- PIMS code.
- Aadhaar card.
- Supporting documents for eligible dependents.
The employee’s basic details and room eligibility are drawn from the PIMS database. Any mismatch should be corrected in PIMS before completing the application.
CMHIS EP: Pensioners
- Valid mobile number.
- Pension Payment Order (PPO) number.
- First three pages of the PPO book showing the PPO number and the last post, pay scale or pay drawn before retirement.
- Aadhaar card.
- Supporting documents for eligible dependents.
Documents for Dependent Family Members
Depending on the dependent, applicants may need:
- Birth certificate.
- Aadhaar card.
- Class X or High School Leaving Certificate (HSLC) admit card.
- Voter ID or Permanent Account Number (PAN) card.
- Another government-issued document showing the relationship and date of birth.
- Disability certificate for an eligible dependent with a disability.
CMHIS Nagaland Helpline and Grievance Contacts
- Toll-Free Helpline: 1800-202-3380
- General Queries and Support: support-nhps@cmhis.nagaland.gov.in
- Complaints and Grievances: Submit a complaint through the PM-JAY grievance portal or email grievances.nhps@cmhis.nagaland.gov.in
- To Disable a PM-JAY or CMHIS card: card.support@cmhis.nagaland.gov.in
Empaneled Hospitals and Cashless Treatment Under CMHIS
The official CMHIS dashboard currently lists 133 empaneled hospitals under CMHIS EP and 65 hospitals under CMHIS GEN and AB PM-JAY. Hospital empanelment can change, so beneficiaries should check the current network before planning treatment.
CMHIS EP beneficiaries have wider hospital access. They can seek treatment at CGHS-empaneled hospitals across India, in addition to hospitals empaneled under CMHIS EP in Nagaland. They do not need a referral or prior approval because the treatment is outside Nagaland, and they can approach an eligible CGHS hospital directly.
How to Find an Empaneled Hospital?
- CMHIS EP beneficiaries can use the official hospital locator to search by state, hospital, and status.
- CMHIS GEN and AB PM-JAY beneficiaries can check the current network through the AB PM-JAY hospital search.
- Beneficiaries can also download the latest lists of empaneled hospitals within and outside Nagaland from the official hospital-list page.
How Does Cashless Treatment Work?
- Present the Ayushman CMHIS card and a valid identity document at the scheme help desk.
- Confirm that the hospital is active under the correct beneficiary category.
- Check whether the hospital is empaneled for the required specialty and treatment.
- The hospital verifies the beneficiary’s eligibility and raises a pre-authorization request where required.
- After approval, the hospital provides treatment under the authorized health-benefit package.
- The hospital submits the claim directly under the scheme. The beneficiary will not be charged separately for services already included in the approved package.
Note: Treatment is not automatically cashless merely because a hospital is empaneled. The procedure must be covered under the applicable package, the hospital must have the relevant specialty, and any required pre-authorization must be obtained.
CMHIS Nagaland vs. Private Health Insurance: Do You Still Need Cover?
CMHIS provides substantial cashless hospitalization cover at no cost to eligible beneficiaries. However, private health insurance can still be useful as an additional layer of protection.
- Additional Financial Protection: CMHIS EP offers up to ₹20 lakh per family per year, which is relatively substantial. Serving State government employees can also receive reimbursement for eligible expenses above this limit on a case-by-case basis, subject to the State Medical Board’s recommendation. CMHIS GEN, however, is limited to ₹5 lakh per family per year.
- Greater Choice and Convenience: CMHIS treatment is linked to empaneled hospitals, approved specialties and health-benefit packages. A private policy may give you access to a different or wider hospital network, along with greater choice of room category and treatment options, depending on the policy terms.
- Coverage Beyond Hospitalization: CMHIS does not cover routine OPD services or standalone diagnostic investigations. Some private health plans offer OPD, diagnostics, wellness benefits, restoration of the sum insured and other benefits, either built in or as add-ons.
- Medical Inflation and Cover Adequacy: CMHIS GEN provides ₹5 lakh per family per year, but medical inflation can steadily reduce the real value of this cover. As hospital costs rise, the same ₹5 lakh may cover a smaller share of treatment expenses over time, particularly for high-cost procedures or prolonged hospital stays.
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Conclusion
The Chief Minister Health Insurance Scheme Nagaland gives eligible families free, cashless hospitalization cover of up to ₹5 lakh under CMHIS GEN and ₹20 lakh under CMHIS EP each year. It provides strong financial protection, but beneficiaries should understand their category, treatment packages, exclusions, and empaneled hospital network before relying on it for planned treatment.
If you want higher coverage, access to a wider hospital network, or benefits beyond what CMHIS covers, it is worth comparing some of the best health insurance plans in India to find additional protection that fits your family’s healthcare needs.
Frequently Asked Questions
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