The Chief Minister’s Health Insurance Scheme in Tamil Nadu has reported that treatment for kidney and heart diseases are the most common claims under the scheme. According to data from the Tamil Nadu State Health Systems Project, dialysis is the most opted procedure, followed by angiography-stenting and cardiac bypass surgery. This information was revealed as the health minister, Ma Subramanian, handed over a cheque of ₹1,237.80 crore to United India Insurance Corporation Ltd as the annual premium for 2026-27.
The scheme, which was initiated by late chief minister M Karunanidhi, provides health cover of up to ₹5 lakh for over 1.45 crore families across the state. The scheme has undergone significant expansions since its inception, with the premium contribution per family increasing from ₹691 to ₹849. The annual family income eligibility has also been enhanced from ₹72,000 to ₹1.2 lakh, and the sum insured has increased from ₹2 lakh to ₹5 lakh per family.
The treatment coverage under the scheme has expanded from 1,090 to 2,053 procedures, and the number of hospitals participating in the scheme has increased from 970 to 2,157. High-end treatments, including liver, kidney, bone marrow, and stem cell surgeries, have also been added to the scheme, with renal and cochlear transplant being among the most opted high-end procedures.
The scheme has grown into one of Tamil Nadu’s largest welfare initiatives, providing much-needed financial support to families in need of medical treatment. The expansion of the scheme’s coverage and the increase in the number of participating hospitals have made it possible for more people to access quality healthcare services. The scheme’s focus on providing coverage for high-end treatments, such as organ transplants, has also been a significant development, making it possible for people to access life-saving treatments that were previously out of reach. Overall, the Chief Minister’s Health Insurance Scheme has been a vital initiative in improving access to healthcare in Tamil Nadu.