Kohima: The Nagaland finance department has released important guidelines for beneficiaries and their families regarding the claims processing under the Chief Minister’s Universal Life Insurance Scheme (CMLIS).
As per the state government, this initiative aims to provide comprehensive support to families affected by the death of a breadwinner or accidents, ensuring financial security through efficient claims processing.
As per the guidelines, for 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.
For Accidental Insurance Claim, the guidelines described 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?
- Illness/Loss caused by Childbirth/Pregnancy.
- Illness/Loss caused due to Mosquito bite and resultant diseases.
- Illness/Loss caused due to Bio-Chemical nuclear weapons.
- Illness/ Loss caused by participating in Civil Riot/Rebellion/ Terrorism activities
- Intentional Self-Inflicted injury or illness
- Injury under the influence of intoxicants or hallucinogens.
- Suicide/attempt of Suicide
- Wilful participation in illegal activities
- Pre-existing Diseases and complications arising from it.
- Participation in Sports and adventure sports without the supervision of a trained professional.
As per the government, this is an Indicative list of exclusions only.
Claim process for accidental disability or death of breadwinner/dependant.
- The Claimants must be registered as a beneficiary under CMLIS and will cover deaths due to accident as confirmed by documentary evidence only.
- 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 where families affected by an accident should promptly approach the administration to conduct an inquest when a post-mortem is not possible; claim documentation.
In case of Death of Breadwinner due to Accident, both life insurance and accidental insurance claims can be processed independently.
It informed that the CMLIS Portal is still open for the general public who have not registered for the scheme and may register themselves.
It urged all claimants to 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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