The State Finance Department has issued the following important guidelines regarding the Claims Processing under The Chief Minister's Universal Life Insurance Scheme (CMLIS), for the benefit of beneficiaries and their families. The CMLIS initiative is designed to provide comprehensive support to families affected by death of Breadwinner or affected by Accidents, ensuringFinancial Security through a clear and efficient claims processing. 1. Claims for Death of Breadwinner due to any reason: · The person should be registered as breadwinner in CMLIS portal. · Claim/Death must be intimated to the Insurance Facilitation Cell of Finance Department, within 3 weeks through call or WhatsApp to 9366494507. · The facilitation cell will assist in further documentation. Detailed instructions are available on our official website: cmlis.gov.in. 2. Accidental Insurance Claim: -What is considered as “Accident” under this Policy? “Accident” means a sudden, unforeseen and involuntary event caused by external, violent and visible means. Natural calamities being in the nature of accidents, any death / disability resulting from such natural calamities is also covered under CMLIS. While death due to suicide is not covered, that from murder is covered. In case of incidents like road, rail and similar vehicular accidents, drowning, death involving any crime etc, the accident should be reported to police. In case of incidents like snake bite, fall from tree etc, the cause should be supported by immediate hospital record. -What is not covered/regarded as Accident under this Policy? 1. Illness/Loss caused by Childbirth/Pregnancy. 2. Illness/Loss caused due to Mosquito bite and resultant diseases. 3. Illness/Loss caused due to Bio-Chemical nuclear weapons. 4. Illness/ Loss caused by participating in Civil Riot/Rebellion/ Terrorism activities 5. Intentional Self-Inflicted injury or illness 6. Injury under the influence of intoxicants or hallucinogens. 7. Suicide/attempt of Suicide 8. Wilful participation in illegal activities 9. Pre-existing Diseases and complications arising from it. 10. Participation in Sports and adventure sports without the supervision of a trained professional. **This is an Indicative list of exclusions only. Beneficiaries are requested to go through the exclusion list on the cmlis.gov.in website. Claim Process for Accidental disability or death of Breadwinner or Dependant. The Claimants must be registered as a beneficiary under CMLIS and will cover deaths due to accident as confirmed by documentary evidence only. Time Intimation of Claim: Claims must be reported within seven days of the accident and no later than one month from the date of the actual or potential loss. The intimation shall be provided over call or WhatsApp to 9366494507. Mandatory Intimation to nearest Police Station: It is mandatory to report the accident to the nearest police station and ensure it is documented in the General Diary. Mandatory Post Mortem for Death Claims: A post-mortem report is mandatory for claims related to death. Inquest Reports wherever Postmortem is not possible: If a post-mortem is not feasible due to a genuine reason, an inquest report from the Administrative Officer or Executive Magistrate under Section 194 of the Bhartiya Nagarik Suraksha Sanhita (BNNS) must be submitted. This report should include: Photos of injuries sustained due to accident if any. Photos taken during the inquest with police personnel present. A medical certificate indicating the cause of death. Immediate necessary action by affected Family: Families affected by an accident should promptly approach the administration to conduct an inquest when a post-mortem is not possible. Claim Documentation: Comprehensive details regarding the claims process can be found at cmlis.gov.in. 3. In case of Death of Breadwinner due to Accident, both life insurance and accidental insurance claims can be processed independently Important Note for Claimants. The CMLIS Portal is still open for the general public who have not registered for the scheme and may register themselves. It is urged that all claimants adhere strictly to these guidelines to ensure the timely processing of claims without rejection by the Insurance Provider.For further inquiries/ assistance on claim processing, contact Insurance Facilitator at 9366494507 or visit cmlis.gov.in.
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Shillong: The Meghalaya Rural Tourism Forum (MRTF) has expressed its disagreement with the recent proposal by the Meghalaya Khasi Tourist Taxi Association (AMKTTA) to ban all Assam-registered tourist taxis from operating at various tourist spots in the state.

President of the MRTF, Alan West Kharkongor, stated on Monday that the forum held an urgent meeting on September 30 to discuss AMKTTA’s announcement. The MRTF then submitted a letter to the tourism minister with resolutions from the meeting.

Kharkongor argued that the proposed ban is legally invalid, violating the Fundamental Rights and freedom of inter-state trade and commerce under the Constitution of India.

“We the members present in the meeting recognise that the members of the AMKTTA have a right to earn a livelihood but the path taken by them to stop commercial vehicles with valid credentials to ply within the State of Meghalaya is not the path by which they should resort to as this would cause a collapse of the tourism sector in the State and destroy its economy,” stated MRTF president.

The MRTF further advised the tourism minister that replicating Sikkim’s tourism model in Meghalaya is not feasible, as Sikkim is a land-locked state with sensitive international borders. Kharkongor highlighted that Meghalaya serves as a transit route for residents of neighboring states like Tripura, Mizoram, and Assam, and adopting Sikkim’s model could complicate inter-state movement.

“Our State is a State through which residents of other States like Tripura, Mizoram and Assam transit through, and thus the adoption of the Sikkim model would raise issues of movements of people of various other States,” stated Kharkongor.

The forum also emphasised that traditional heads, Sordars, and Rangbah Shnongs have consistently allowed tourist vehicles from all states to access tourist spots equally, maintaining a fair and long-standing arrangement.

The MRTF urged the inclusion of representatives from various tourism stakeholders such as MRTF, MTDF, TOAM, SRTA, FOSH, and JTES in the committee announced by the Chief Minister to address AMKTTA’s issues. The forum suggested that the committee, once formed, should submit its final report to the government within six months.

The tourism minister assured the MRTF that a meeting involving all stakeholders would be convened.

When asked if there were differences between MRTF and AMKTTA, Kharkongor denied any conflict but noted that there were concerns raised by the transport sector.

“There are genuine issues and I have informed the tourism minister that our transporters are being harassed at Guwahati airport. They don’t have a parking space. In case if they enter and if they get passengers or don’t get passengers they will still have to pay a certain charge which affects their income. I have informed this issue to the minister. This can only be taken up at the level of the state govt to discuss with the airport authority to ensure that transporters from Meghalaya should get enough parking space inside Guwahati airport,” stated Kharkongor.

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