The right to affordable healthcare is a basic entitlement for all individuals, but numerous individuals and families find it challenging to afford hospitalisation and medical treatment.
In India, several state governments have implemented the Chief Minister Comprehensive Health Insurance Scheme to ensure affordable healthcare access for their residents. Under this initiative, eligible beneficiaries can avail of cashless medical care and reimbursement for specific healthcare expenses at designated hospitals.
In this article, we’ll examine the features and advantages of the cm health card, focusing on its specialties, resources, and services.
What is CM Health Insurance Scheme (CMCHIS)?
The Amma Medical Insurance programme is intended for low-income, vulnerable households. They do not have to suffer financially during a medical emergency because of the “Amma Maruthuva Kapitu Thittam”. Using cashless services, this TN CM Insurance Scheme provides coverage for the entire family.
What Is Covered Under CMCHIS
Amma health insurance plan offers financial aid when a medical emergency strikes. With this health insurance plan, a beneficiary can avail of the following coverage:
Hospitalisation
The cost of availing treatment at an empanelled hospital is covered. However, the treatment should be specified in the list of allowed medical procedures under Amma Health Insurance.
Diagnostic Procedures
The cost of hospitalisation takes up a large chunk of money during a medical emergency. However, a considerable amount of money is also required for diagnostic tests. These procedures are covered under the plan.
Follow-up Treatments
Usually, follow-up is not covered under a commercial best health insurance plans. But this coverage is offered under Amma Kapitu Thittam. This reduces the financial burden of medical treatments even further.
The Chief Minister Health Insurance Scheme Features
Family Floater Plan
Amma health policy is a family-floater form of health plan, according to number one. The entire registered members of an eligible family may obtain medical insurance benefits under this plan. One should not worry about impending medical emergencies if they are covered by the TN CM Insurance Scheme.
Cashless Claims
This health plan’s beneficiaries don’t have to pay money to receive care at a hospital that has been accredited. The beneficiary gains a lot from this because they don’t have to worry about making arrangements for financing their care. They can focus on the patient’s well-being.
Regular Health Camps
Hospitals that have been appointed are required to hold health camps at least once every month. The beneficiary is entitled to ongoing, no-cost follow-up checkups and procedures.
24 Hour Support
A functioning call centre has been established to address different questions about Amma Medical Insurance. If a person has any problems with the health policy that is offered, they can easily hunt for a solution.
Eligibility Criteria For CM’s Health Insurance
Give the claim form that is correctly filled out. Anyone interested in enrolling in this plan must rigorously meet the requirements. Here are the prerequisites:
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The family should call Tamil Nadu home.
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The annual income should be no more than Rs. 72,000.
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The family’s ration card must include the member’s name.
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The candidate can be a Sri Lankan refugee with citizenship documentation.
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Migrants from other Indian states who possess migration certificates from the appropriate authority (they must have spent at least six months in Tamil Nadu).
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Girls who are orphans or have been rescued from any registered or unlicensed organisation.
Final Thoughts
To ensure that persons from disadvantaged backgrounds have access to medical services in the event of a medical emergency, the CMCHIS scheme is a positive step.
Today, medical insurance is a requirement due to rising medical costs. A medical insurance plan makes sure that you won’t have to worry about the cost of care during an emergency so you can concentrate on getting well. It’s critical to comprehend the advantages of health policy and pick a plan that meets your needs.
With Niva Bupa, purchasing a health plan is easy and quick. Online mediclaim insurance can be purchased in a few simple steps. Additionally, you may use the online medical insurance plan premium calculator to determine the premium you will pay for the medical insurance plan. Additionally, network hospitals offer the option of cashless claim settlement in the event of a medical emergency.
