Nagaland notifies revised Chief Minister’s Life Insurance Scheme

DIMAPUR: Finance Department has notified a revised framework for the Chief Minister’s Life Insurance Scheme (CMLIS) for the financial year 2026‑27, extending life insurance cover to household breadwinners across the state along with accidental insurance protection for breadwinners and up to three family members.
Under the revised scheme, every insured breadwinner will receive life insurance coverage of Rs. 2 lakh in the event of death due to any cause, provided entirely free of cost. An additional accidental insurance cover of Rs. 2 lakh each has also been extended to the breadwinner and three eligible family members, covering accidental death and total disability, with the premium fully borne by the government. Cases of accidental dismemberment and paralysis will be covered up to Rs.2 lakh, while partial disability claims will be eligible for coverage up to Rs. 1 lakh.
The age criteria broadly follow the norms of Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana, setting eligibility at 18–50 years for life insurance and 18–70 years for accidental insurance. However, the upper age limit for life insurance has been relaxed for serving government employees not covered under the State Government Salary Package.
The scheme extends to major breadwinners of households who are indigenous inhabitants or permanent residents of Nagaland holding valid Indigenous Inhabitant or Permanent Residential Certificates. Dependents of eligible breadwinners may also be covered as per operational guidelines. Accredited journalists working within the state have been made eligible subject to portal validation. Government employees posted outside Nagaland in official state establishments, along with work‑charged, casual and contractual employees not covered under the Salary Package, will also fall within the scheme’s ambit. Regular government employees already covered under the Salary Package remain excluded.
Registration and validation will be carried out entirely through the official CMLIS digital portal — https://cmlis.nagaland.gov.in — incorporating Aadhaar‑based authentication and mobile OTP verification. Beneficiary validation will be subject to online approval by designated authorities, with the Finance Department serving as the final accepting authority.
On claims, the notification specifies that accidental insurance claims will generally require a post‑mortem report, though an inquiry report issued by a competent Executive Magistrate or Administrative Officer may be accepted where post‑mortem is not feasible. District Administration has been tasked with facilitating verification and claims processing in such cases. The notification further warned that individuals or officials found involved in fraudulent activity at any stage of registration, validation or claims processing will be liable for prosecution under relevant provisions of law.
Detailed operational guidelines covering registration, portal validation, enrolment and implementation architecture will be issued separately by the Finance Department in due course.