Nagaland Universal Life Insurance Scheme 2024: Online Application Starts, Register Now

On Tuesday, the Nagaland government introduced a comprehensive, fully-funded universal life insurance program aimed at reducing the financial burden that arises from the untimely death of a family’s primary earner. The state’s Chief Minister, Neiphiu Rio, who also serves as the Minister in Charge of Finance, presented the state assembly with the budget, which includes details of this welfare scheme. Below, you can find the complete information regarding the Nagaland Universal Life Insurance Scheme, including its highlights, objectives, features, benefits, eligibility criteria, required documents, registration process, and more.

Nagaland Universal Life Insurance Scheme 2024

The Nagaland government has introduced the Nagaland Universal Life Insurance Scheme 2024, a fully-funded initiative aimed at alleviating the financial challenges faced by families when the primary breadwinner passes away unexpectedly. This scheme, part of the state budget proposed by Chief Minister Neiphiu Rio in the state assembly, covers both death and disability through its accidental insurance component. The scheme provides Rs 2 lakh to beneficiaries in case of accidental death. It also offers Rs 2 lakh for a total and irreversible loss of sight in one eye or the loss of use of one hand or foot. In the case of total and irreversible blindness in both eyes, the insured amount is Rs 1 lakh.

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15 August 2024 Update:- CM begins a one-month enrolment drive for the Universal Life Insurance Scheme

On August 15, 2024, during the Independence Day celebrations, the Chief Minister of Nagaland launched the Universal Life Insurance Scheme (CMLIS). This scheme aims to provide free life and accidental insurance coverage to families across Nagaland, ensuring financial security and peace of mind. As part of this initiative, a month-long enrolment drive has been initiated, starting from August 15, 2024. Eligible families are encouraged to verify and update their information on the CMLIS portal at cmlis.nagaland.gov.in by September 5, 2024, to complete the enrolment process.

Nagaland Universal Life Insurance Scheme Details in Highlights 

Nagaland Universal Life Insurance Scheme Objective 

The main objective of the Chief Minister's Universal Life Insurance Scheme (CMLIS) is to reduce the financial burden caused by the untimely death of a family’s primary earner, which can negatively affect the family’s socioeconomic well-being, access to healthcare, and educational opportunities. In addition to providing life insurance for the primary breadwinner, the scheme also extends accidental injury coverage to three additional family members, ensuring broader financial protection for the entire household.

About Chief Minister's Universal Life Insurance Scheme - CMLIS

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

In case of accidental death, the sum insured is Rs 2 lakh per beneficiary, Rs 2 lakh in case of total and irrecoverable loss of both eyes or loss of use of both hands or feet, and Rs 1 lakh for total and irrecoverable loss of sight of one eye or loss of use of one hand or foot.

• Rs. 2 Lakh Life Insurance Coverage for Breadwinner.
• Rs. 2 Lakh Accidental Insurance Coverage for breadwinner and three other family members.

Features & Benefits of Nagaland Universal Life Insurance Scheme

The Nagaland Universal Life Insurance Scheme offers a range of features and benefits aimed at providing comprehensive insurance coverage to the state's residents. Here are the key highlights:

• Statewide Coverage: Every household in Nagaland will be covered under this life insurance policy, with the cost of premiums fully funded by a dedicated budget of Rs 15 crore.
• Family Protection: The policy will provide life insurance for the primary breadwinner of each family, offering coverage of Rs 2 lakh. Additionally, it will include accidental insurance for up to three other family members, each receiving Rs 2 lakh in coverage.
• Comprehensive Coverage: This initiative ensures that every household in Nagaland benefits from both life and accidental insurance, with the Rs 15 crore allocation ensuring that the premium costs are fully covered by the government.
• Financial Allocation and Budget: The budget for this program was presented by Chief Minister Neiphiu Rio, who also serves as the Finance Minister. The state's total receipts are expected to reach Rs 23,978.05 crore, while the expenditures are projected at Rs 23,727.88 crore.
• Increased Local Development Funds: An important update in the budget includes the doubling of the Local Area Development Fund (LADF) allocation, from Rs 1 crore to Rs 2 crore for each constituency.
• Special Focus on Eastern Nagaland: The state government has earmarked Rs 180 crore under the PM DevINE scheme to address the development needs of the Eastern Nagaland region, highlighting the ongoing significance of the region’s issues.

This scheme is a significant step towards ensuring the welfare of Nagaland’s residents, offering both financial security and addressing regional development needs.

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Eligibility Criteria for Nagaland Universal Life Insurance Scheme (CMLIS)

The eligibility criteria for the Nagaland Universal Life Insurance Scheme are as follows:

• Residency: The applicant must be a resident of Nagaland.
• Family Eligibility: Families who have experienced the premature death of the primary earner are eligible to apply for the scheme.
• Coverage Scope: The scheme covers both accidental death and disability, ensuring comprehensive protection for the beneficiaries.

These criteria ensure that families in need, especially those affected by the loss of a primary earner, can benefit from life and accidental insurance coverage.

Required Documents to Apply

Some of the important documents required for the scheme are as follows:

• Aadhaar Number
• Address Proof
• Mobile Number
• Account number
• Email Id, etc

Registration Process for Nagaland Universal Life Insurance Scheme 2024 

To apply for the Nagaland Universal Life Insurance Scheme, follow the steps below:

• Visit the Official Website: Start by visiting the official website for the Nagaland Universal Life Insurance Scheme.

• Homepage Navigation: Once the homepage loads, look for and click on the “Register” option.
• Select Registration Type: A new page will open where you will need to select the type of registration. The options available are:

1. Self Registration
2. Ayushman Card ID
3. CMHIS Card ID

• Enter ID Number: After selecting your registration type, enter the required ID number in the provided field and click "Next" to proceed.
• Fill in the Application Form: The application form will appear on your screen. Fill in all the necessary details accurately.
• Submit the Form: After completing the application form, click on the “Submit” button to finalize your registration.

By following these simple steps, you can easily register for the Nagaland Universal Life Insurance Scheme and secure coverage for yourself and your family.

Nagaland Universal Life Insurance Scheme Application Form PDF Download 

To download the Nagaland Universal Life Insurance Scheme Application Form PDF, follow these steps:

• Visit the Official Website: Go to the official website of the Nagaland Universal Life Insurance Scheme.
• Locate the Application Form: On the homepage, look for the section or link dedicated to downloading the application form. This is usually under the "Downloads" or "Forms" section.
• Download the PDF: Click on the link to download the Application Form PDF for the Nagaland Universal Life Insurance Scheme.
• Fill Out the Form: Once downloaded, fill out the form manually or digitally with the required information.
• Submit the Application: After completing the form, follow the instructions provided on the website for submission, which could be online or offline depending on the process.

If you cannot locate the download link directly, consider contacting the official support team for assistance in obtaining the form.

Nagaland Universal Life Insurance Scheme Beneficiary List Check Online

To check the beneficiary list for the Nagaland Universal Life Insurance Scheme (CMLIS) online, follow these steps:

• Visit the Official Website: Go to the official website of the Nagaland Universal Life Insurance Scheme.
• Navigate to the Beneficiary Section: On the homepage, look for a section or link that mentions “Beneficiary List” or “Check Your Name”.
• Enter Required Details: You may be asked to enter your details such as your registration number or family ID to search for your name in the beneficiary list.
• Search for Your Name: After entering the necessary details, click on the search or submit button to view the list of eligible beneficiaries.
• View the List: The system will display the list of beneficiaries. You can then check if your name is included or if there are any updates regarding your status.

If the online portal is unavailable or you are facing difficulties, you can also contact the concerned authorities for assistance or visit the nearest registration center for more information.

Life Insurance Claim Form PDF Download At cmlis.nagaland.gov.in

To download the Life Insurance Claim Form PDF for the Nagaland Universal Life Insurance Scheme from the official website (cmlis.nagaland.gov.in), follow these steps:

• Visit the Official Website: Open your browser and go to cmlis.nagaland.gov.in.
• Locate the Forms Section: On the homepage, look for a "Forms" or "Downloads" section. This is typically found in the main navigation menu or under relevant headings.
• Select the Life Insurance Claim Form: Once you are in the forms section, find the Life Insurance Claim Form. It may be listed under categories like Life Insurance or Claim Forms.
• Download the PDF: Click on the link to download the Claim Form PDF.
• Fill Out the Form: After downloading the form, open it and fill in all the required details, including information about the claimant and the deceased, if applicable.
• Submit the Claim: Follow the instructions provided with the form for submission, either online or at the designated office.

If you're unable to locate the form or if the website is not accessible, consider reaching out to the support or help desk at the official website for further assistance.

Accidental Insurance Claim Form PDF Download At cmlis.nagaland.gov.in

To download the Accidental Insurance Claim Form PDF from the official Nagaland CMHIS website (cmlis.nagaland.gov.in), follow these steps:

• Visit the Official Website: Open your browser and go to the official site: cmlis.nagaland.gov.in.
• Find the Forms Section: On the homepage or in the menu, locate a section labeled “Forms” or “Downloads”.
• Select the Accidental Insurance Claim Form: In the forms section, look for the Accidental Insurance Claim Form. It may be categorized under Accident Insurance or similar headings.
• Download the Form: Click on the link to download the Accidental Insurance Claim Form PDF.
• Fill Out the Form: Once the form is downloaded, fill in the necessary details, including the claimant's information and details about the accident.
• Submit the Claim: Follow the instructions provided with the form for submission. Ensure you submit the required documents along with the form either online or at the relevant office.

If you're having trouble finding the form, or if the website isn't accessible, you can contact the support team for assistance or visit the nearest office handling the claims.

Nagaland Universal Life Insurance Scheme Claims Policy DF Download 

To download the Nagaland Universal Life Insurance Scheme Claims Policy DF (or the Claims Policy Document), follow these steps:

• Visit the Official Website: Open your browser and go to the official website: cmlis.nagaland.gov.in.
• Navigate to the Forms or Downloads Section: Once on the homepage, look for a section labeled "Forms" or "Downloads" in the navigation menu or on the main page.
• Find the Claims Policy DF: Within the Forms or Downloads section, search for the link to the Nagaland Universal Life Insurance Scheme Claims Policy DF or similar documents related to claims.
• Download the Claims Policy Document: Click the link to download the Claims Policy DF PDF.
• Read the Policy: After downloading, open the PDF to review the claims process, eligibility, required documents, and other important details for filing a claim.

If you have difficulty locating the document or accessing the website, you can reach out to the official contact support provided on the website or visit the local office handling the scheme for further assistance.

Summary of Nagaland Chief Minister Universal Life Insurance Scheme

The Nagaland Universal Life Insurance Scheme provides life and accidental insurance coverage for households in Nagaland. It offers Rs 2 lakh life insurance for the primary breadwinner, along with Rs 2 lakh for accidental death or disability. The government fully funds the premium, and the scheme is open to all families in the state. Registration is available online, and the initiative aims to provide financial security in case of unexpected loss or injury to the primary earner.