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Indian Finance 🇮🇳

Tn Cmchis Health Scheme — Calculations & Slabs for FY 2026-27

Check whether you are eligible for Tamil Nadu's CM-CHIS providing cashless hospitalisation cover of up to Rs 5 lakh per family per year.

Last verified: June 2026 | Source: cmchistn.com

1. Household Parameters

Frequently Asked Questions (FAQ)

What is the annual coverage limit under the TN CMCHIS scheme?

The scheme provides cashless health insurance coverage of up to ₹5,00,055 per family, per year on a floater basis at empanelled government and private hospitals. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

What is the family income limit to be eligible for CMCHIS in Tamil Nadu?

To qualify, the total annual income of the family must be less than ₹1,20,000. However, certain exempt categories are eligible regardless of income. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Who is exempt from the standard annual income limit under CMCHIS?

Differently-abled individuals, transgender persons, registered construction workers, street vendors, and destitute women are eligible for the health card regardless of their family income. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Is it mandatory to have a ration card to apply for CMCHIS?

Yes. Possession of a valid Tamil Nadu Family (Ration) Card is mandatory as the beneficiary details and card verification are linked directly to the ration database. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

What Does This Calculator Do?

This calculator determines your eligibility for the Tamil Nadu Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS). It validates family income, ration card categories, and exemption criteria to calculate cashless medical treatment cover.

How to Use It

  1. Tamil Nadu Residency: Confirm permanent domicile in Tamil Nadu.
  2. Annual Family Income: Input the total annual income of all family members in Rupees.
  3. Ration Card Type: Select your ration card color (Smart Card - Sugar, Rice, or No Card).
  4. Special Category Exemptions: Indicate if you belong to any exempt category (differently-abled, transgender, orphaned children, or registered welfare board members) that bypasses standard income caps.

The Logic Explained Simply

  • Income Limit: The general annual family income ceiling is ₹1,20,000.
  • Exemptions: Differently-abled persons, transgender individuals, registered construction workers, street vendors, and orphaned children are eligible without any income restrictions.
  • Medical Coverage: Provides up to ₹5,00,000 per family per year for cashless medical and surgical treatment across empanelled government and private hospitals.
  • Procedures Covered: Covers over 1,027 medical procedures, 154 follow-up treatments, and 38 diagnostic procedures.

Real-World Calculation Breakdown

A family in Coimbatore, Tamil Nadu, has an annual income of ₹95,000 and holds a Rice Smart Card:

  • Income Check: Annual income is ₹95,000 (Eligible, under the ₹1,20,000 general ceiling).
  • Ration Card Check: Holds an active Smart Card (Eligible).
  • Verdict: Eligible for CMCHIS.
  • Total Coverage: The family is registered for a cashless health insurance card providing ₹5,00,000 per year, covering major surgical procedures, cancer therapies, and emergency treatments at zero cost.

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