CMHT Manipur: Eligibility, Benefits & How to Apply

Overview

Chief Minister-gi Hakshelgi Tengbang (CMHT) is the Government of Manipur's flagship health insurance scheme launched in 2018. CMHT Manipur provides cashless medical treatment for economically vulnerable residents.

Benefits

General Hospitalization: Cashless coverage of up to ₹50,000 per family per year.
Critical Illness Cover: Up to ₹2 lakh per family per year for 7 specified critical illnesses.
Travel Assistance: Reimbursement of ₹300 per hospital visit (up to ₹3,000 annually) and out-of-state travel support up to ₹30,000.

Eligibility & Enrollment

Eligibility: Families identified through the Socio-Economic Caste Census (SECC), Antyodaya Anna Yojana (AAY) cardholders, widows, and persons with disabilities, subject to the scheme's beneficiary verification process.
Registration Fee: ₹50 per family for card administration.
Enrollment: Eligible beneficiaries can enroll in the scheme with assistance from Accredited Social Health Activist (ASHA) workers at enrollment booths set up in nearby Primary Health Centers (PHCs), Community Health Centers (CHCs), and district hospitals.

Every eligible Below Poverty Level (BPL) family under CMHT can access financial support for eligible hospitalization expenses through the scheme. Understanding who qualifies, what is covered, and how reimbursement works is essential to making full use of these benefits.

In the next few minutes, this guide helps you understand how the scheme works, who qualifies, its benefits, and how you can access its cashless treatment benefits.

What Is CMHT Manipur (Chief Minister-gi Hakshelgi Tengbang)?

Chief Minister-gi Hakshelgi Tengbang (CMHT) is the Government of Manipur's flagship health insurance scheme, designed to provide cashless hospitalization for eligible beneficiaries. The scheme covers secondary and tertiary medical care at a network of empaneled hospitals.

These include all district hospitals, medical colleges, CHCs, Wangoi, and other empaneled private hospitals across the network. At the time of hospital admission, beneficiaries undergo Aadhaar-based biometric verification to confirm their identity before cashless treatment is approved under the CMHT scheme.

Eligibility Criteria for CMHT Manipur

The scheme is for residents of Manipur. The CMHT scheme is intended for economically vulnerable households identified through the SECC. In addition to eligible SECC families, Antyodaya Anna Yojana (AAY) cardholders, widows, and persons with disabilities are also covered.

To know more about the scheme, refer to the official PDF.

Benefits and Coverage Under CMHT Manipur

Annual Family Cover: Each enrolled family receives health coverage of up to ₹50,000 lakh per year on a floater basis. This means the entire family shares the same annual coverage limit.
Critical Illness Cover: The scheme provides coverage of up to ₹2 lakh per family per year for 7 specified critical illnesses. These include cardiovascular diseases, cancer, kidney diseases, neo-natal diseases, neurological conditions, burns, and liver ailments.
Hospitalization Only: CMHT benefits apply only to inpatient hospitalization procedures. Outpatient consultations and non-hospitalization expenses are not covered.
Travel Allowance Within Manipur: Beneficiaries can claim ₹300 per hospital visit, subject to a maximum of ₹3,000 per year. This amount is included within the overall ₹2 lakh annual family limit.
Travel Support Outside the State: If treatment outside Manipur is approved through the referral process, the scheme covers air or train fare for the patient and one attendant, up to ₹30,000 per year, within the overall coverage limit.
Daily Allowance for Out-of-State Treatment: During approved hospitalization outside Manipur, beneficiaries can receive ₹1,000 per day, up to a maximum of ₹10,000 per year. This allowance is also adjusted against the family's ₹2 lakh annual entitlement.

Note: The total annual family cover is ₹2 lakh. Of this, up to ₹50,000 can be used for general hospitalizations, while the remaining eligible amount is available for treatment of the scheme's specified critical illnesses, subject to the applicable terms and conditions.

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How to Apply for and Enroll in CMHT Manipur?

Enrollment Notification

Eligible families are generally informed by the local ASHA worker one or two days before the enrollment drive begins.

Visit the Enrollment Center

Carry the required identity, eligibility, and Aadhaar documents to the designated enrollment center on the scheduled date.

Receive Your CMHT Card

After successful verification, each family is issued a CMHT Manipur Health Card with a unique family identification number.

Family Details

The card displays the names of up to five family members. If the family has more than five members, the additional members are indicated on the card (e.g., "2 more", "3 more").

Documents Required for CMHT Enrollment

Identity Proof (Any One): Aadhaar, EPIC (Voter ID), PAN Card, Driving License, Ration Card, Passport, Government-issued ID, or a recognized educational institution ID card.
Eligibility Proof (Any One): SECC eligibility record, Antyodaya Anna Yojana (AAY) card, disability certificate, Deputy Commissioner's economic status certificate (if not listed in SECC), or any other Government of Manipur-approved document.
Aadhaar Requirement: Aadhaar details of at least one family member (preferably the head of the family) are required. If Aadhaar has not yet been issued, applicants may provide the Aadhaar enrollment/application number along with the required consent form.
Additional Documents (If Required): Any other document notified or approved by the Government of Manipur for scheme enrollment.

Which Hospitals Accept the CMHT Manipur Health Card?

CMHT beneficiaries can receive cashless treatment at a network of empaneled hospitals across Manipur. These include:

Community Health Centers
Sub-District Hospitals
District Hospitals
Regional Institute of Medical Sciences
Jawaharlal Nehru Institute of Medical Sciences
Other hospitals Empaneled Under the CMHT Scheme

Wherever possible, beneficiaries are encouraged to seek treatment at an empaneled hospital within Manipur, subject to bed availability and the required treatment being available.

Note: If specialized treatment is not available within the state, patients may be referred to an empaneled hospital outside Manipur. This requires an official referral from the authorized Health Directorate. However, separate emergency procedures may apply in urgent situations.

Each empaneled hospital has a designated health coordinator who assists beneficiaries throughout the process, including admission, treatment, discharge, and the disbursement of eligible travel or other scheme-related allowances.

CMHT Manipur vs. Private Health Insurance: Do You Still Need Cover?

CMHT provides valuable financial protection for eligible families, but it is designed as a social health insurance scheme, not a comprehensive replacement for retail health insurance. A private health insurance policy can complement CMHT by covering expenses and situations that fall outside the scheme's scope.

Higher Coverage Against Medical Inflation: Serious illnesses such as cancer, organ transplants, prolonged ICU stays, or complex surgeries can cost well beyond the scheme's annual limit. A higher private sum insured provides an additional financial cushion.
Wider Hospital Network: While CMHT is limited to empaneled hospitals, private health insurance may offer access to a broader network of hospitals, higher room categories, and greater flexibility in choosing where you receive treatment.
More Comprehensive Benefits: Private health insurance plans include features such as restoration benefits, no-claim bonuses, higher coverage options, modern treatment benefits, and wellness benefits, which are generally beyond the scope of CMHT.
Additional Protection for the Whole Family: If your healthcare needs or income increase over time, combining CMHT with one of the best health insurance plans can help reduce out-of-pocket expenses and provide more comprehensive long-term financial protection.

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Conclusion

CMHT is an excellent safety net for eligible families, but it should ideally be viewed as a base layer of protection, not your only health cover. Since scheme benefits, eligibility, and coverage can change with government policy, we recommend supplementing it with a personal, portable, and customizable health insurance plan.

At Ditto, we recommend at least ₹15 lakh of health cover to better protect against rising medical costs and future healthcare needs.

Frequently Asked Questions

What does CMHT stand for, and who runs the scheme?

CMHT full form is Chief Minister-gi Hakshelgi Tengbang. It is a flagship health assurance scheme administered by the Government of Manipur to provide cashless hospitalization benefits for eligible beneficiaries. The scheme primarily supports economically vulnerable families by covering specified inpatient treatments at empaneled hospitals within and outside the state, subject to scheme rules.

Am I eligible for CMHT Manipur if my family is not on the SECC list but I am genuinely poor?

Yes, you may still qualify in certain cases. Besides Socio-Economic Caste Census (SECC) beneficiaries, the scheme also considers eligible applicants who can produce a Deputy Commissioner's economic status certificate or other Government-approved eligibility documents. Final eligibility is determined during the verification process conducted under CMHT enrollment guidelines.

What is the coverage limit for general treatment versus the 7 critical illnesses under CMHT?

The scheme provides up to ₹50,000 per family per year for eligible general hospitalization under primary and secondary care. For the 7 specified critical illnesses, coverage extends up to ₹2 lakh per family per year on a floater basis, subject to the scheme's terms and the overall annual entitlement.

Does CMHT Manipur cover treatment at hospitals outside the state, like in Guwahati?

Yes, eligible beneficiaries may receive treatment outside Manipur at approved empaneled hospitals after obtaining the required referral from the authorized Health Directorate. The CMHT card also provides eligible travel and daily allowances for approved out-of-state treatment, subject to the prescribed limits and referral procedures.

How do I check my CMHT Manipur card enrollment status online?

Currently, there is no dedicated public portal for a CMHT card status check online. Beneficiaries are generally advised to contact their enrollment center, District Hospital, ASHA worker, or the relevant health authorities to verify enrollment or card issuance status until an official online verification facility is made available.

Are widows and disabled individuals automatically eligible for CMHT Manipur regardless of income?

Widows and persons with disabilities are among the categories specifically covered under the scheme. However, eligibility is still subject to beneficiary identification and document verification as prescribed by the Government of Manipur. They are also eligible for exemption from the standard enrollment fee under the scheme guidelines.

If I already have a CMHT Manipur card, do I still need a private health insurance policy?

Yes, many families may still benefit from private health insurance. While CMHT offers valuable cashless coverage, a private policy provides higher coverage limits, portability, broader hospital choice, and more comprehensive benefits. At present, there is no official facility for CMHT card download, so beneficiaries should safely preserve the physical card issued during enrollment.

Last updated on: 31 Jul, 2026