Hi friends! I recently heard about CMAAY – Chief Minister Arogya Arunachal Yojana, but I’m not clear on how it works 
. Is it a health insurance scheme for all residents or only for govt employees and BPL families? What kind of treatments are covered and which hospitals accept this card? Also, how to apply or register for the CMAAY card online in 2025? If anyone from Arunachal Pradesh has used this scheme, please share your experience and the official portal link. It can help many people in the state
If you’re from Arunachal Pradesh and looking for a scheme that offers free health insurance for families, then the CMAAY scheme is exactly what you should know about!
Let me explain what it is and how to apply for CMAAY in 2025, in a simple and helpful way 
What is CMAAY Scheme?
CMAAY stands for Chief Minister Arogya Arunachal Yojana. It’s a state health insurance scheme launched by the Government of Arunachal Pradesh to provide cashless treatment to eligible citizens — both in government and select private hospitals.
It is also integrated with Ayushman Bharat - PMJAY, so eligible people can avail double benefits under one smart health card.
Key Benefits of CMAAY
- Free health insurance of ₹5 lakh per family per year
- Covers hospitalisation expenses — pre, post, and during admission
- Applicable at empanelled hospitals in Arunachal and outside the state
- Covers surgery, maternity, cancer, kidney treatments, ICU, etc.
Who is Eligible?
There are two categories:
1. State Beneficiaries (CMAAY):
- Must be a resident of Arunachal Pradesh
- All APSTs (Scheduled Tribes), government employees, and IRBN personnel are covered
- Resident proof and tribal certificate needed
2. National Beneficiaries (PMJAY):
- Families listed in SECC 2011 data
- Based on socio-economic criteria, not caste or tribe
How to Apply for CMAAY Scheme in 2025
Step 1: Visit the Official Portal
Go to https://cmaay.com (official CMAAY website)
Step 2: Create a User ID or Log In
- You’ll need Aadhaar, mobile number, and basic details
Step 3: Fill the Online Application
- Enter family head’s details, address, caste, Aadhaar
- Upload documents (Aadhaar, Tribe Certificate, Passport-size photo)
Step 4: Verification at Facilitation Centre
- Visit nearest Empanelled Hospital or Health Centre with documents
- They’ll verify and issue you a CMAAY/PMJAY Smart Health Card
Step 5: Use the Card for Treatment
- Show the card at listed hospitals for cashless treatment
- You can check hospital list on the website
Documents Required
- Aadhaar Card
- APST / Tribe Certificate
- Ration Card or Address Proof
- Mobile number
- Passport-size photo
- Family details
Helpline and Support
CMAAY Helpline: 104 (Toll-Free)
Email: [email protected]
Visit: Nearest Government Hospital or Empanelled Private Hospital
Final Thoughts
The CMAAY scheme is a life-saving support for families in Arunachal Pradesh. Whether you’re from a tribal community or listed in PMJAY SECC, it ensures you never have to worry about huge hospital bills again. So don’t delay — register and get your health card today!
Let me know if you want a list of empanelled hospitals in your district. I’ll send it over!
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