CMAAY Arunachal Pradesh 2026: ₹5 Lakh Health Card & Hospital List

Introduction to CMAAY

Geographical terrain, remote mountain locations, and limited super-specialty healthcare facilities make accessible medical care a critical concern in Arunachal Pradesh. To ensure that citizens do not face impoverishing medical costs, the Government of Arunachal Pradesh introduced the Chief Minister’s Arogya Arunachal Yojana (CMAAY).

Operating in parallel and convergence with the central government’s Ayushman Bharat PM-JAY initiative, CMAAY provides ₹5 Lakh cashless health assurance per family per annum for secondary and tertiary inpatient care. The program covers all indigenous tribal families (APST) as well as regular state government employees and pensioners across empaneled public and private hospitals within and outside the state.

Program Summary & Health Protection Limits

Feature	Operational Provision
Scheme Name	Chief Minister’s Arogya Arunachal Yojana (CMAAY)
Department	Department of Health and Family Welfare, Arunachal Pradesh
Annual Health Coverage	₹5 Lakh per family per year on a family floater basis
Target Beneficiaries	All APST families, state government employees, and pensioners
Coverage Mode	Cashless and paperless inpatient hospitalization
Empanelled Network	TRIHMS Naharlagun, district hospitals, and referral super-specialty hospitals in Assam and metro cities
Official Portal	cmaay.com

Scope of Medical Treatments Covered

CMAAY covers extensive surgical and critical care packages, ensuring complete diagnostic, medical, and surgical interventions:

• Cardiovascular Diseases: Coronary angiography, angioplasty, pacemaker implantations, and pediatric cardiac surgery.
• Oncology Services: Surgical resection of tumors, radiation therapy, and specialized chemotherapy cycles.
• Nephrology & Dialysis: Hemodialysis procedures, kidney disease management, and specialized urological surgeries.
• Orthopedics & Polytrauma: Major fracture stabilization, spinal surgeries, and joint replacements.
• Emergency Care: High-risk intensive care unit (ICU) admissions, severe burns, and emergency neonatal care.

Eligibility Criteria

Residents qualify for CMAAY protection under the following clearly defined categories:

1. The family belongs to the Arunachal Pradesh Scheduled Tribe (APST) community and possesses a valid APST Certificate.
2. Non-APST permanent residents holding a valid Permanent Resident Certificate (PRC) issued by the competent Deputy Commissioner.
3. Serving regular employees of the Government of Arunachal Pradesh and their dependent family members.
4. Retired pensioners of the Government of Arunachal Pradesh and their surviving spouses.

Documents Required for CMAAY Card Registration

Citizens must produce the following records during physical or digital enrollment:

• Arunachal Pradesh Scheduled Tribe (APST) Certificate or valid PRC.
• Aadhaar Card for every family member seeking enrollment.
• Ration Card or certified Family Details declaration signed by the administrative officer.
• Service Identity Card / Pension Payment Order (PPO) for government employees and pensioners.
• Active mobile number for OTP verification.

Step-by-Step Card Generation and Hospital Admission Process

Enrolling in CMAAY and accessing cashless treatment follows a simple digital flow:

1. Online Registration: Visit the official portal at cmaay.com and click on the Enrolment portal link.
2. Data Entry & Document Upload: Enter family details, upload scanned copies of APST/PRC and Aadhaar cards, and submit for administrative verification.
3. Digital Card Approval: The District Kiosk Operator verifies documents, approves the profile, and generates the digital CMAAY e-Card.
4. Hospital Admission: When medical treatment is required, present your CMAAY e-Card and Aadhaar card at the Arogya Mitra desk at any empanelled hospital (e.g., TRIHMS Naharlagun, GNRC Guwahati, or Apollo Hospitals).
5. Cashless Discharge: The hospital submits an electronic pre-authorization, renders complete treatment without cash deposits, and bills the state health trust directly.

Frequently Asked Questions (FAQs)

1. Can families without Ayushman Bharat PM-JAY cards enroll in CMAAY?

Yes. CMAAY was designed specifically to provide universal coverage to all APST and government families regardless of whether they appear in the central Socio-Economic Caste Census (SECC) database.

2. Are out-of-state referral hospitals covered under CMAAY?

Yes. The state health trust has empanelled leading tertiary care hospitals in Guwahati, Dibrugarh, Kolkata, Delhi, and Chennai for treatments not available within Arunachal Pradesh.

3. Is there any registration fee for obtaining the CMAAY card?

No. Enrolment and digital card generation under CMAAY are entirely free of cost for all eligible citizens.

Disclaimer: JanSarkariYojna.com is an independent educational and public information portal. We are not affiliated with the Government of Arunachal Pradesh. Beneficiaries must verify all official notices and administrative criteria on the official state portal at cmaay.com.

CMAAY Arunachal Pradesh 2026 Cashless Health Protection

The Chief Minister’s Arogya Arunachal Society provides high-value health protection under CMAAY Arunachal Pradesh 2026:

Beneficiary Category	Annual Cashless Cap	Coverage Scope & Network
Arunachal Pradesh Scheduled Tribe (APST)	₹5,00,000 per family / year	All secondary and tertiary inpatient treatments across 1,000+ empanelled hospitals
Permanent Resident Certificate (PRC) Holders	₹5,00,000 per family / year	Cashless medical procedures including surgery, oncology, ICU, and dialysis
State Government Employees	₹5,00,000 per family / year	Integrated with regular state medical reimbursement allowances

Step-by-Step Online & Offline Application Protocol

To enroll smoothly under CMAAY Arunachal Pradesh 2026 and ensure immediate biometric verification and sanctioning, citizens should adhere to the following certified procedure:

1. Access the Official Portal: Visit the official government portal (Chief Minister’s Arogya Arunachal Society) to review designated scheme guidelines.
2. Aadhaar Demographic Seeding: Confirm that your identity, age, and family relationships in your Aadhaar card match your registered state revenue records.
3. Bank APBS Verification: Ensure your savings bank account is enabled for Direct Benefit Transfer (DBT) and mapped to the NPCI Aadhaar Payment Bridge.
4. Document Upload: Scan and attach original supporting certificates (residence proof, caste certificate, land records or income proof) before submitting.
5. Track Sanction Order: Use your registration acknowledgement ID to monitor application verification milestones through your local district portal.

Related Government Welfare Programs & Links

Explore other beneficial welfare initiatives and credit subsidies:

• Read our comprehensive guide on the Ayushman Asom Health Card for financial grants.
• Check out the latest details regarding the Karunya Health Scheme Kerala for subsidy updates.

Frequently Asked Questions (FAQs) – CMAAY Arunachal Pradesh 2026