Nagaland Finance Department has notified a revised framework for the Chief Minister’s Life Insurance Scheme (CMLIS) for the financial year 2026-27. The notification, issued from Kohima on June 30, aims to extend life insurance cover to eligible 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 the Pradhan Mantri Jeevan Jyoti Bima Yojana and the Pradhan Mantri Suraksha Bima Yojana, setting the eligible age at 18 to 50 years for life insurance and 18 to 70 years for accidental insurance, though 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 the major breadwinners of households or families who are indigenous inhabitants or permanent residents of Nagaland and hold a valid Indigenous Inhabitant Certificate or Permanent Residential Certificate.
Dependents of eligible breadwinners may also be brought under coverage as per operational guidelines, and 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 State Government Salary Package, will also fall within the scheme’s ambit.
Regular government employees already covered under the Salary Package remain excluded, as do beneficiaries found to have submitted false declarations or forged documents, or those who bypass the prescribed verification process.
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Registration and validation would be carried out entirely through the official CMLIS digital portal, incorporating Aadhaar-based authentication and mobile OTP verification, with beneficiary validation subject to online approval by designated authorities. The portal will maintain complete audit trails and digital approval records, with the Finance Department serving as the final accepting authority. For the purpose of the scheme, a household has been defined as a family unit living together and sharing a common kitchen, subject to the fulfilment of prescribed criteria. Registration and validation under the Scheme shall be carried out through the official CMLIS portal: https://cmlis.nagaland.gov.in
On the matter of 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 a post-mortem is not feasible for genuine reasons. The District Administration has been tasked with facilitating verification and claims processing in such exceptional cases.
The notification further 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.
Detailed operational guidelines covering registration, portal validation, enrolment and the broader implementation architecture will be issued separately by the Finance Department in due course.
