The Chief Minister Health Insurance Scheme, Nagaland, is a flagship public health policy by the government. It provides Nagaland citizens with easier access to medical treatment without worrying about high costs. It was launched in August 2021 as part of the state’s plan to make healthcare affordable and easily accessible for all citizens by 2030.

This scheme works together with the Central Government’s Ayushman Bharat – PMJAY scheme. However, it is mainly for permanent and indigenous residents of Nagaland who are not covered under Ayushman Bharat or any other government insurance scheme.

With the CMHIS scheme, Nagaland people can receive free and cashless treatment at empanelled hospitals for different kinds of illnesses and hospitalisation needs. This means you do not need to pay upfront for hospitalisation, making medical care much easier to access.

In short, CMHIS is Nagalad’s way to ensure that healthcare is fair, affordable, and available to everyone.

Cashless Treatment to Eligible Beneficiaries

The CMHIS Nagaland provides cashless coverage for hospitalisation costs, such as medical, surgical and select day-care procedures. It is applicable at any empanelled hospital nationwide.

Family Floater Coverage

Each family that is enrolled in the scheme receives up to ₹5 lakhs per family for the General Category and up to ₹20 lakhs per family for the Employee & Pensioners. Any family member can use the full sum insured for treatment. This ensures critical procedures like cancer surgery or kidney transplants, without incurring any out-of-pocket expenses.

Preventive and Primary Care

The CMHIS helps to fund preventive screenings and primary care services to catch illnesses early. This, in turn, reduces the risk of chronic diseases and lowers long-term healthcare costs.

Access to Advanced Treatment

The scheme collaborates with top hospitals and research centres across India. You can also get referral access for specialised treatments such as organ transplants, neurology, and oncology, as these treatments may not be offered locally.

Additional Scheme Eligibility

Enrollment in CMHIS can open doors to other government health programs, including Ayushman Bharat, giving families broader healthcare support.

Comprehensive Healthcare

By combining comprehensive hospitalisation benefits with preventive care, CMHIS ensures quality medical services and financial protection for all residents. You can get access to this regardless of income or location.

Comprehensive Medical Coverage

The CMHIS provides Nagaland citizens with extensive medical coverage to ensure beneficiaries get the care they need without financial stress. This scheme also supports diagnostic tests, outpatient consultations and essential medications and offers various healthcare services that address diverse medical needs. The coverage includes expenses such as room charges, doctor’s fees, and surgical procedures.

Medical Treatments

CMHIS covers financial expenses for hospitalisation, surgeries, and post-operative care. This support reduces the burden of high medical costs for eligible families, allowing them to focus on recovery rather than expenses.

Outpatient Treatments

The scheme also includes coverage for outpatient services such as diagnostic tests and doctor consultations. These services are crucial for the early detection and management of common illnesses, helping to prevent more serious health complications in the future.

Preventive and Primary Care Services

Preventive and primary care services are included under CMHIS to promote early diagnosis and timely treatment. By addressing health issues at an early stage, the scheme helps prevent chronic diseases and reduces long-term healthcare costs.

Annual Health Coverage Limits

Families under the General Category can get cover of up to ₹5 lakh per family per year, usable by any or all family members. However, government employee families can get coverage of up to ₹20 lakh per family per year.

Beneficiary Statistics (FY 2025–26)

Total Cards Issued

• Government Employees: 1,49,086
• Pensioners: 40,773
• General Category Beneficiaries: 20,463
• AB PM-JAY: 5,54,218

Empanelled Hospitals: 144 (including 77 under CMHIS-EP)

Funds Utilised: ₹16,78,06,939 as of FY 2025–26, including previous years’ data.

Note: The above data is taken from the Chief Minister Health Insurance Scheme (CMHIS) official website on 10th October 2025 and may be updated or changed over time.

The CMHIS is divided into two categories such as CMHIS (GEN) and CMHIS (EP). Each of these is designed to cover specific groups of beneficiaries. By categorising beneficiaries, the scheme provides access to affordable healthcare coverage to both government employees and the general population of Nagaland.

CMHIS (GEN)

• Employees without a PIMS number, as well as contractual, ad-hoc, and fixed-pay employees of the State Government. This includes contractual staff under various Centrally Sponsored Schemes (CSS), along with their household members.
• All indigenous and permanent residents of Nagaland who are not covered under Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) or any other government-funded health insurance scheme.
• Accredited journalists of Nagaland.

CMHIS (EP)

• Workcharge employees who are on scale pay and their dependent family members are covered.
• Employees of State PSUs, corporations, and autonomous bodies.
• Regular State Government employees, pensioners, and serving or former legislators.

Mandatory KYC Documents for CMHIS (GEN) Category

For Employees Without a PIMS Number

• An active mobile phone number.
• Government-issued ID card.
• Appointment or Engagement Order.
• Proof of employment continuity, such as a letter from the controlling officer.
• The online registration form is downloaded with household member details (Form) and countersigned by the Village Council Chairman or Ward Chairman.

For the General Population

• A valid mobile phone number.
• Permanent Residential Certificate (PRC) or Indigenous Inhabitant Certificate (IIC) issued by the district authority post 2016.

Ration Card holders must have their eCards. They can get the card directly through the BIS portal
without registering in the CMHIS portal, as the Ration Card data is already integrated with the NHA BIS system.

Mandatory KYC Documents for CMHIS (EP) Category

For Dependent Family Members

• Proof of date of birth or relationship, such as a PAN Card, Aadhaar Card, Birth Certificate, Voter ID, Class X Admit Card, or any other government-issued ID.
• Disability Certificate, if applicable for Persons with Disabilities (PwD).

For Government Employees

• An active mobile phone number and PIMS code.

For Pensioners

• An active mobile phone number.
• The initial three pages of the Pensioner’s PPO book, showing the last pay scale/designation, PPO number, and last paycheck drawn before the retirement.

• Step 1: Go to the official CMHIS Nagaland website to start the application process.
• Step 2: Select the ‘Register’ option and carefully read the registration guidelines provided on the portal.
• Step 3: Fill out the application form with accurate information, including personal details, family information, income, and medical history.
• Step 4: Submit the filled-out form along with the required documents to your nearest authorised Registration Centres.
• Step 5: The CSC or hospital staff will verify your details and upload the information to the official CMHIS online portal for processing.
• Step 6: The insurance provider will review your application and approve or reject it based on the eligibility criteria.
• Step 7: Once approved, you will receive a confirmation message on your registered mobile number, along with a Household ID or an option.
• Step 8: Using the assigned Household ID as a reference and after collecting eKYC details, an Ayushman card is created. You can opt for the CMHIS Nagaland card download option through the PM-JAY Mobile app or get it through the empanelled Card Vendors.

The Nagaland Health Insurance Scheme coverage needs to be renewed every year. This ensures uninterrupted access to its healthcare benefits, verifies eligibility and keeps your information up to date in the system.

To renew offline:

• Step 1: Visit the nearest enrolment centre or Common Service Centre (CSC) with your existing CMHIS card.
• Step 2: Submit a renewal application along with the necessary documents, such as proof of residency, income certificate, and any other relevant identification.
• Step 3: The staff will verify your documents and update your details in the official CMHIS portal.
• Step 4: Once the renewal process is successful, you can enjoy the coverage for another year.

If you need any help regarding any queries, assistance, or clarifications related to the CMHIS, you can contact the dedicated helpline. Trained support staff will guide you through the different processes. You can also access detailed information about coverage, eligibility, and benefits through the official CMHIS website.

• Contact Information:

Nagaland Health Protection Society
Directorate of Health & Family Welfare,
Drug Control Building - 4th Floor,
Below Nagaland Civil Secretariat Complex,
Ruziezou, Kohima – 797001, Nagaland

• Email: support-nhps@cmhis.nagaland.gov.in

• Helpline: 1800 202 3380

The CMHIS serves as a major step to ensure that every resident of Nagaland has access to affordable and quality healthcare. CMHIS fills the gap for individuals who are not covered under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). The scheme tries to offer medical protection to the wider population of Nagaland, covering costs for hospitalisation, surgeries, outpatient consultations and preventive care.

CMHIS provides coverage for numerous essential healthcare needs, but it is wise to consider an additional mediclaim policy for further protection. A TATA AIG Health Insurance online plan can work alongside CMHIS by providing additional coverage and access to a larger hospital network.

With the best Health Insurance policy from TATA AIG, you get a cashless claim process and flexible options for individuals and families, helping you manage medical costs more effectively.