Nagaland Finance Department issues CMLIS processing guidelines

March 6, 2025 8 Views No Comment

Kohima, March 6 (MExN): The Finance Department has issued guidelines for processing various claims under the Chief Minister’s Universal Life Insurance Scheme (CMLIS).

As per the State DIPR, the guidelines are as follows:

Claims for Life Insurance: Only the breadwinner of a household registered in the CMLIS portal is eligible for this insurance. Claims must be reported within three weeks of the death to the Facilitation Cell, Finance Department via call or WhatsApp at 9366494507. Detailed instructions are available on the official website: cmlis.gov.in.

Accidental Insurance Claims: An accident is defined as a “sudden, unforeseen event caused by external forces, such as road accidents, natural calamities, or incidents like drowning, criminal acts, or murder.” These are covered under the scheme. However, death by suicide is excluded, and a complete list of exclusions is available on the CMLIS website.

Accidental Death or Disability Claims: Claims must be reported within three weeks from the accident date, and incidents must be reported to the police and documented. For death claims, a post-mortem report is mandatory. An inquest report can be used where a post-mortem is not feasible.

Both life insurance and accidental insurance are covered for the breadwinner, and claims can be processed independently, the Finance Department said.

The guidelines are issued to streamline the claims process and ensure timely assistance to the beneficiaries, it added.

Who can register?
As per the Department, registration for the CMLIS scheme is open to every indigenous inhabitant of Nagaland. Every claimant must adhere to the outlined guidelines to ensure the timely processing of claims without rejection by the insurance provider, it said.

For further inquiries/assistance on claim processing, the Insurance Facilitator can be contacted at 9366494507. Assistance can also be availed by visiting cmlis.gov.in.

Launched on August 15, 2024, the CMLIS is designed to provide comprehensive financial support to families affected by the unfortunate loss or injury of the breadwinner.

Among others, the CMLIS provide life insurance coverage of Rs 2 lakh on the demise of the breadwinner due to any cause.

Further, accidental insurance coverage of Rs 2 lakh each will also be provided for the breadwinner and three other family members.

The accidental insurance component covers both disability and death.

The minimum age for breadwinner is 18 years, while the maximum is 50 as per the CMLIS portal.