In a landmark move to enhance social security for the people of Nagaland, Chief Minister Neiphiu Rio introduced the Chief Minister’s Universal Life Insurance Scheme (CMLIS) during the 78th Independence Day celebrations in Kohima. The scheme is designed to provide extensive life and accidental insurance coverage to families across the state, underscoring the government’s commitment to safeguarding its citizens against unforeseen hardships.
The CMLIS offers Rs. 2 lakh in coverage for accidental death or disability for the primary breadwinner and up to three additional family members. This initiative ensures that families receive essential financial support in the event of the primary earner’s death, providing a vital safety net during challenging times.
The scheme is open to all indigenous inhabitants and permanent residents of Nagaland, including state government employees, work-charged and casual workers, and accredited journalists. Government employees are automatically enrolled in the program, with coverage extending until they reach 60 years of age. The general public, between the ages of 18 and 50, is also eligible to participate.
Enrollment for the CMLIS began on August 15, 2024, and will continue through September 15, 2024. Families are encouraged to verify their details on the CMLIS portal by September 5, 2024. Those not already covered by the Chief Minister’s Health Insurance Scheme (CMHIS) are advised to register through the Nagaland State Rural Livelihoods Mission (NSRLM) for rural areas or at local administrative offices for urban regions.
The registration process has been made user-friendly, with existing CMHIS beneficiaries required to update their details online, ensuring they receive accidental insurance coverage. New applicants in rural areas can complete their registration through NSRLM representatives, while urban residents should submit physical application forms at local offices before applying online.
For government servants, the policy automatically designates them as the family head, with coverage up to age 60. In cases where multiple government employees are in the same family, each can be considered a breadwinner, providing comprehensive protection for the entire family.
This initiative marks a significant step in Nagaland’s efforts to bolster financial security and provide its citizens with robust social protection.