Kohima: The Nagaland Finance Department issued a revised framework for the Chief Minister Life Insurance Scheme (CMLIS) for the 2026-27 period. The plan provides a free Rs 2 lakh life insurance policy to eligible household breadwinners. It also offers accidental insurance coverage of Rs 2 lakh each to the breadwinner and up to three family members. Coverage applies to accidental death and total disability. Partial disability claims pay up to Rs 1 lakh.
The state government picks up the entire tab for premiums. Eligibility age follows the Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana standards. The life insurance bracket runs from 18 to 50 years. Accidental coverage extends from 18 to 70 years. Officials relaxed the upper age limit for government workers who do not participate in the State Government Salary Package.
Eligible citizens must be indigenous inhabitants or permanent residents holding valid certificates. Accredited journalists qualify pending portal validation. The policy also includes work-charged, casual, and contractual staff. Regular government employees already in the state salary package remain excluded from the program. The notification warned that "any individual or official found involved in fraudulent activity at any stage of registration, validation or claims processing will be held liable and prosecuted under relevant provisions of law."
Registration happens exclusively at cmlis.nagaland.gov.in. The portal requires Aadhaar authentication and mobile OTPs. Claims for accidental death generally require a post-mortem report. If a post-mortem is impossible, an inquiry report from an Executive Magistrate or Administrative Officer may suffice. The Finance Department holds final authority on all claims. Fraudulent documentation or bypassed verification will disqualify beneficiaries.
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