What this scheme offers
Ayushman Bharat PM-JAY's ₹5 lakh annual cover is substantial, but a serious hospitalisation — a major surgery, an extended ICU stay, cancer treatment — can still exceed that limit even for a family that's otherwise fully eligible. CMAAY exists to close that specific gap: a state top-up layered on top of PM-JAY, so that eligible Arunachal Pradesh families get meaningfully more combined coverage than either scheme provides on its own, reducing the chance that a genuinely severe medical event still leaves a family facing costs beyond what insurance covers.
Who is eligible
- Resident of Arunachal Pradesh, per the scheme's eligibility criteria (generally aligned with PM-JAY eligibility or the state's own criteria).
- Treatment sought at an empanelled hospital.
Documents required
- Aadhaar card
- Ayushman Bharat/CMAAY card, once issued
- Residential proof (Arunachal Pradesh domicile)
How to apply
- Check your eligibility and enrollment status at your local health centre or Common Service Centre.
- Register for CMAAY if not already covered, alongside your PM-JAY enrollment where applicable.
- For treatment, visit an empanelled hospital and present your card.
- Approved treatment is cashless — the hospital settles directly with the combined scheme coverage.
- Contact the Department of Health and Family Welfare for questions about your specific coverage limit under both schemes combined.