Nagaland Chief Minister Universal Life Insurance Scheme

Scheme Introduction

• The Chief Minister of Nagaland has announced a new scheme aim to safeguard the interest of their citizens through financial security and social protection.
• The initiative announced is called the "Universal Life Insurance Scheme" (ULIS).
• The scheme offers life insurance coverage and accidental insurance coverage of Rs 2 lakh each to the breadwinner (beneficiary of the scheme), who are not covered under the CMHIS.
• Additionally, the accidental insurance coverage is facilitated not only to the beneficiary but also to three members of their family.
• The Nagaland Chief Minister Universal Life Insurance Scheme (CMLIS) provides insurance coverage on the demise of the breadwinner, regardless of the cause.
• In these cases, a sum of Rs 2 lakh will be provided to the nominee selected during the scheme registration.
• On the other hand, the accidental insurance coverage of Rs 2 lakh covers both disability and death.
• In case of accidental death or in case of irrecoverable loss of both eyes or both hands or feet, the insured amount of Rs 2 lakh can be claimed by the beneficiary or nominee.
• Whereas, a sum of Rs 1 lakh will be provided in case of irrecoverable loss of sight of one eye or loss of one hand or foot.
• Permanent residents of Nagaland who hold a PRC, including government employees, can apply for the Nagaland Universal Life Insurance Scheme.
• General public age between 18-50 years and government employees aged between 18-60 years, can apply for the scheme.
• Whereas, to receive the accident insurance cover, the family member age should be between 18 and 70 years.
• The premium and age criteria for life insurance is similar to PMJJBY and PMJSY for accidental insurance coverage.
• For insurance coverage, the premium under the Nagaland Chief Minister Universal Life Insurance Scheme will be paid by the state government.
• However, employees already covered by accidental insurance under the corporate salary package will not be eligible.
• Rural applicants can apply for the scheme offline by enrolling with a representative of NSRL.
• While, urban areas applicants can submit their applications but before that they need to attest the physical application form from the DC/ADC/SDP/EAS department.
• The scheme beneficiaries are called as the breadwinner of families, who are the primary earning members, while households of government employees, the breadwinner is the government employees themselves.
• Applicants are not required to pay any fees for the registration of Nagaland Chief Minister Universal Life Insurance Scheme.
• As per the CMHIS card the head of the family member will be treated as breadwinner but households not covered under the CMHIS can choose a different breadwinner.
  

Scheme Benefits

• Nagaland Chief Minister Universal Life Insurance Scheme aims to provide the following benefits : -
  • Insurance cover of Rs 2 lakh to each beneficiary.
  • Accidental cover of Rs 2 lakh to beneficiary and their three family members.

Eligibility Requirement

• Applicants with the following eligibility criteria are eligible for Nagaland Chief Minister Life Insurance Scheme before applying for it : -
  • Domiciled resident of Nagaland.
  • Beneficiary age should be between 18 and 50 years (general public) and 18 to 60 years for government employees.
  • Beneficiaries dependent age limit should be between 18 to 70 years.
  • State government employees are also eligible.
  • Government employees outside the state are also eligible.
  • Accredited Journalist.

Required Documents

• Applicants must produce their following documents while submitting Chief Minister Universal Life Insurance Scheme applications : -
  • Aadhaar card.
  • Permanent Resident Certificate (PRC).
  • Identity proof.
  • PMJAY Card.
  • Bank Account Details.
  • Self Declaration.
  • Passport Size photo.
  • Family Details.
  • Mobile Number.
  • PAN Card.

Steps to Apply

• To receive the benefits of Nagaland Chief Minister Life Insurance Scheme, beneficiaries need to submit their application.
• However, the application procedure for rural and urban area applicants is different.
• Rural area applicants can submit their application offline while urban areas applicants can apply online.

For Rural Area

• First, beneficiaries need to visit the NSRLM representative office.
• Now request the representative to complete your enrollment for the scheme.
• You need to provide all your documents and details with the representative.
• Applicants are not required to submit any physical application for the scheme.
• Once the enrollment is completed, you will receive a confirmation in your mobile number.

For Urban Area

• Urban areas applications for Chief Minister Life Insurance Scheme will go through some stages.
• First, applicants need to download the Chief Minister Life Insurance Scheme application form online from CMLIS official website.
• Fill out the required details in the application form and get it signed by the DC/ADC/SDO/EAS of your respective area.
• Thereafter, applicants need to visit the official portal of CMLIS.
• Click on the register tab on the home page.
• Read the general information shared.
• Next, select the type of registration from the given options.
• Enter your mobile number and press the Send OTP button.
• Enter the OTP received sent to the provided mobile number.
• Next, applicants who are the breadwinner (beneficiary) of the scheme need to provide their details.
• After submitting the details, the beneficiary needs to add details of their family members.
• Remember one can add a maximum of three members per household.
• After adding the details, applicants need to upload the attested registration form.
• Now press the agree and submit tab to complete your registration.

Relevant Links

• Nagaland Chief Minister Universal Life Insurance Scheme Registration Link.
• Nagaland Chief Minister Life Insurance Scheme Applicant Login.
• Nagaland Chief Minister Universal Life Insurance Scheme Application form.
• Nagaland Chief Minister Universal Life Insurance Scheme Beneficiary List.
• Nagaland Chief Minister Life Insurance Scheme Notification.
• CMLIS Official Website.

Contact Information

• Nagaland Chief Minister Life Insurance Scheme Helpline Number : - 9436030303
• Nagaland Chief Minister Life Insurance Scheme Email Helpdesk : - info.cmlis@gmail.com