The Chief Minister Arogya Arunachal Yojana (CMAAY) is a flagship health initiative launched by the Government of Arunachal Pradesh. It aims to make quality healthcare more accessible and affordable for the people of the state. By focusing on financial protection and healthcare inclusion, the scheme reflects the state's commitment to the well-being of its citizens.
What is Chief Minister Arogya Arunachal Yojana (CMAAY)?
The CMAAY is a healthcare programme initiated by the Department of Health and Family Welfare, Government of Arunachal Pradesh. It focuses on providing quality, cashless healthcare services to the indigenous people of the state. It seeks to ease the financial burden of medical treatment by ensuring access to essential secondary and tertiary healthcare without out-of-pocket expenses. Beneficiaries can seek medical care at selected government and private hospitals within and outside Arunachal Pradesh.
Objectives of CMAAY
The goals of the CMAAY scheme are
- To ensure health coverage for all in Arunachal Pradesh by 2030
- Eliminate the gaps in the secondary and tertiary healthcare sectors
- Enhance the efficiency of the public healthcare system
Benefits of the CMAAY scheme
The Chief Minister Arogya Arunachal Yojana is a true lifesaver for those registered under the scheme. The CMAAY benefits include:
- Comprehensive coverage: Each family is entitled to cashless treatment up to ₹5 lakh annually, with ₹4 lakh allocated for tertiary care and ₹1 lakh for secondary care.
- Pre and post-hospitalisation expenses: The scheme covers expenses incurred up to 3 days before hospitalisation and up to 10 days post-discharge, including medicines and diagnostic tests.
- Wide network of hospitals: The scheme includes a network of empanelled hospitals both within and outside Arunachal Pradesh, ensuring broader access to healthcare facilities.
- Coverage of pre-existing conditions: Unlike many insurance plans, CMAAY covers pre-existing medical conditions, offering a safety net for vulnerable individuals.
- No age limit: There is no age restriction for beneficiaries, ensuring that all family members are covered under the scheme.
- Support for Economically Weaker (EW) sections: CMAAY aims to reduce the financial burden of medical expenses, particularly for the economically weaker and tribal communities in the state.
Eligibility criteria under CMAAY
The following categories are eligible for enrolling in the CMAAY scheme programme:
- Individuals belonging to one of the tribal communities recognised by the government of Arunachal Pradesh.
- Non-tribal applicants must be legal residents of Changlang, Lohit or Namsai District.
- Backward community members belonging to Arunachal Pradesh, such as Arunachal Pradesh Scheduled Tribes.
- Government employees and their dependents.
How to apply for CMAAY?
To apply for the Chief Minister Arogya Arunachal Yojana online and get the CMAAY card, applicants should follow the below steps:
- Go to the official CMAAY portal.
- Scroll to the bottom of the homepage and locate the "Enrolment" section.
- Click on ‘Apply Online’.
- Complete the enrolment form by filling in all mandatory fields, uploading the required documents and then clicking ‘Submit’.
- Once successfully enrolled, click the CMAAY card download option to get the e-card.
Documents required to apply for CMAAY
The CMAAY registration requires the following documents:
- Aadhaar card
- Birth certificate (mandatory for children under 5 years)
- Ration card
- APST certificate (mandatory for Arunachal Pradesh Scheduled Tribe applicants)
- Resident certificate (mandatory for Non-APST applicants)
- Government ID card (mandatory for government employees)
- Permanent land-holding documents
- Approved enrolment form
FAQs
- How do you apply for a CMAAY card offline?
Applicants can complete the offline enrolment process from the district coordinator station at the district court.
- What are the exclusions under the CMAAY policy?
Hospitalisation for diagnostics, dental and cosmetic treatments, treatments that do not require hospitalisation, etc., are not covered under the CMAAY scheme.
Conclusion
The central and state governments have launched many health insurance plans to make advanced medical treatments more affordable and accessible to all citizens. As a responsible individual, it's wise to enrol in these plans to enjoy comprehensive healthcare benefits at a minimal cost. For older adults, specialised senior citizen health insurance plans offer tailored coverage that addresses age-related medical needs without financial strain.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.