In its new avatar since December 2018, the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS), after integration with the Central government’s ‘Ayushman Bharat’, has resulted in better coverage for patients.
“This merger will not change anything for patients, in terms of what they have to do. It is mainly to do with internal procedures. A patient has to produce a CMCHIS card. There are common treatments in both the schemes. Now, every patient will get a coverage up to ₹5 lakh,” said T.S. Selvavinayagam, additional director of Public Health and Preventive Medicine. Last year, coronary angioplasty and dialysis were among the top procedures covered under the CMCHIS in the State.
Cardiology and renal diseases continue to lead the list of ailments covered by the State government’s insurance scheme. Under cardiology, it is procedures such as Percutaneous Transluminal Coronary Angioplasty (PTCA), Coronary Artery Bypass Grafting (CABG), and medical management for myocardial infarctions that top the list.
“The overall utilisation is increasing year after year. Last year, there were roughly about four to five lakh beneficiaries,” said Mr. Selvavinayagam. In the last three years, the insurance scheme was extended to more persons for undergoing PTCA — 9,059 in 2016, 10,869 in 2017, and 10,899 in 2018.
The number of dialysis cycles covered also went up — 86,515 cycles in 2016, 1,06,108 in 2017 and 1,16,910 in 2018, official data showed. “The CMCHIS extends ₹65,000 for PTCA, and an additional ₹20,000 is provided depending on the number of stents. The scheme provides ₹one lakh for CABG, while ₹8,000 is given per 10 dialysis cycles,” he added. Under the scheme, government hospitals earned around 35 to 36% of the total revenue, he said.