Rio launches Chief Minister’s Universal Life Insurance Scheme

DIMAPUR — Chief Minister Neiphiu Rio on Thursday launched the Chief Minister’s Universal Life Insurance Scheme (CMLIS) during the Independence Day celebrations in Kohima.

The CMLIS has been meticulously designed to offer financial security and peace of mind to families across Nagaland through free life and accidental insurance coverage, an update stated.

The enrolment drive for the CMLIS will commence on August 15 and will run for one month. Eligible families are to verify their details on the CMLIS portal, https://cmlis.nagaland.gov.in, latest by September 5.

Families who are not currently covered under the Chief Minister’s Health Insurance Scheme (CMHIS) have to register through the Nagaland State Rural Livelihoods Mission (NSRLM) in rural areas or through the offices of the deputy commissioners, ADCs, SDOs or EACs in urban areas, before September 15.

The key features of the CMLIS are INR 2 lakh life insurance coverage in the unfortunate event of the primary breadwinner’s demise and accidental insurance coverage of INR 2 lakh each for the primary breadwinner and up to three family members in case of accidental death or disability.

The scheme is open to all households/families within the State of Nagaland who are indigenous inhabitants and/or permanent residents; all government servants of the state including work charged and casual employees; accredited journalists working in Nagaland.

The scheme is open to individuals aged 18-50 years for general category households and 18-60 years for government servants.

The head of the family, as per the CMHIS card, is the default breadwinner. However, families not covered under CMHIS (government servants) have the option to designate a different breadwinner, it stated.

Beneficiaries of CMHIS and government servants are required to verify or modify their family details through the CMLIS portal latest by September 5.

The portal allows families to perform self-verification using CMHIS registered mobile number, confirm or change the designated breadwinner, update the accidental insurance coverage for family members and modify the nominee for insurance claims.

For rural areas, the enrolment shall be done by the NSRLM representative at village level and no physical application is needed.

For urban areas, the physical application form shall be signed by the DC/ADC/SDO/EAS of the respective area and the beneficiary may login to the portal and apply online with the signed form.

Government servants are automatically designated as the head of the family and the breadwinner for life insurance purposes. The age limit for life insurance coverage for government servants is extended to 60 years.

Additionally, families who require assistance in opening bank accounts for claim processing and additional insurance coverage can indicate their needs through the CMLIS portal.

“The CMLIS programme is committed to delivering a seamless claims process with zero charges or fees, ensuring that the financial security and welfare of all indigenous inhabitants and permanent residents of Nagaland remain a top priority,” it added.

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