What this scheme offers
Running since 2009, this scheme provides cashless insurance for major surgeries and medical procedures not covered under the central Ayushman Bharat PM-JAY scheme, at empanelled hospitals across Tamil Nadu. On 19 August 2026, Chief Minister C. Joseph Vijay announced the annual cover be raised from ₹5 lakh to ₹25 lakh per family per year — a five-fold increase intended to reduce the financial burden of expensive treatments like cardiac surgery, cancer care and organ transplants. The announcement came alongside other health investments, including a planned 400-bed hospital in Perambur and new cancer treatment centres across the state.
Who is eligible
- Tamil Nadu families with annual income below ₹1.2 lakh (per the scheme's stated income threshold — confirm current criteria as implementation details finalise under the new administration).
- Permanent residents of Tamil Nadu.
- Coordination with Ayushman Bharat PM-JAY means families already covered centrally get combined benefit continuity rather than duplicate registration.
Documents required
- Aadhaar card
- Income certificate
- Ration card
- Residence proof (Tamil Nadu)
How to apply
- Visit cmchistn.com to check current eligibility criteria and registration status, since the scheme's expanded cover was newly announced in August 2026 and processes may still be updating.
- Visit an empanelled hospital's help desk, which can verify your eligibility and register you directly using your Aadhaar and income documents.
- Common Service Centres (e-Sevai centres) can also assist with registration and document verification.
- Once registered, present your health insurance card at any empanelled hospital for cashless treatment on covered procedures.