On I-Day, Nagaland Government launches Universal Life Insurance scheme for families

August 16, 2024 14 Views No Comment

•    Rs 2 lakh accidental coverage for breadwinner and 3 family members
•    Available to all indigenous inhabitants and residents of Nagaland
•    Enrolment starts August 15; verify by September 5.
•    Register via CMLIS portal (urban) or NSRLM (rural)
•    Government servants automatically covered, with age limit up to 60
•    No fees for enrolment or claims
•    Bank account assistance available for claims

Kohima, August 16(MExN): Chief Minister Neiphiu Rio today unveiled the Chief Minister’s Universal Life Insurance Scheme (CMLIS) as part of the 78th Independence Day celebrations at the Civil Secretariat Plaza in Kohima. The scheme is designed to provide life and accidental insurance coverage to families across Nagaland, ensuring a robust financial safety net for the state’s residents.

The CMLIS aims to offer comprehensive coverage to eligible families, including a sum of Rs. 2 lakh in the event of the primary breadwinner’s death. Additionally, it provides Rs. 2 lakh each for the primary breadwinner and up to three family members in cases of accidental death or disability. This initiative underscores the Nagaland government’s commitment to securing the welfare of its citizens, particularly in times of unforeseen tragedy.

To qualify for the scheme, households must be indigenous inhabitants or permanent residents of Nagaland. The scheme also includes state government employees, including work-charged and casual workers, as well as accredited journalists working within the state. The age limit for general category households is set at 18 to 50 years, while it extends to 60 years for government servants. The enrolment drive for the CMLIS commenced on 15th August 2024 and will continue for a month, with eligible families encouraged to verify their details on the official CMLIS portal by 5th September 2024. Those not currently covered under the Chief Minister’s Health Insurance Scheme (CMHIS) are advised to register through the Nagaland State Rural Livelihoods Mission (NSRLM) in rural areas or through local administrative offices in urban regions before the 15th of September.

Beneficiaries of the CMHIS and government servants are required to verify or update their family details on the CMLIS portal. The portal allows families to perform self-verification using their 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 families not already enrolled in CMHIS, the registration process differs based on their location. In rural areas, registration can be completed through NSRLM representatives at the village level, eliminating the need for physical applications. In urban areas, applicants are required to submit signed physical application forms through local administrative offices, such as the Deputy Commissioner, Additional Deputy Commissioner, Sub-Divisional Officer, or Extra Assistant Commissioner, before applying online.

The scheme includes special provisions for government servants, who are automatically designated as the head of the family and the breadwinner under the life insurance policy. The life insurance coverage age limit for government servants is extended to 60 years, and in cases where there are multiple government servants in a family, all such members can be designated as breadwinners.

The CMLIS program is committed to providing a seamless claims process with no charges or fees, ensuring that all indigenous inhabitants and permanent residents of Nagaland can access financial security without additional burdens. Families in rural areas requiring assistance with opening bank accounts for claim processing can indicate their needs through the CMLIS portal. Urban households must complete their verification at designated administrative offices, where forms are available free of charge.

For further assistance, beneficiaries can contact the designated helpline, NSRLM representatives in villages, or local administrative officers in urban areas.