Arunachal Pradesh CMAAY Scheme: ₹5 Lakh Health Cover, APST Cards & App

1. Arunachal Pradesh Scheduled Tribes (APST)

• All indigenous members belonging to recognized Scheduled Tribes of Arunachal Pradesh.
• Requires an authentic Arunachal Pradesh Scheduled Tribe (APST) Certificate issued by the competent Deputy Commissioner.

2. State Government Employees and Dependents

• Active regular employees serving across all departments of the Government of Arunachal Pradesh and their declared dependent family members.
• Retired state pensioners and their legal spouses.

3. Non-APST Permanent Residents of Specific Districts

• Permanent non-APST residents residing in Changlang, Lohit, and Namsai districts who possess recognized Permanent Resident Certificates (PRC) issued prior to the established state cut-off guidelines.

4. Accredited Media Professionals

• Working journalists, photographers, and media staff accredited with the Department of Information and Public Relations (DIPR), Government of Arunachal Pradesh.

• Aadhaar Card of every family member to be registered on the health card.
• Category Proof: APST Certificate, Permanent Resident Certificate (PRC), or Government Employee Identity Card / Pension Payment Order (PPO).
• Family Composition Proof: State Digital Ration Card, Family Tree Certificate issued by the local administrative circle officer, or Gaon Bura recommendation letter.
• Active Mobile Number for receiving registration authentication SMS alerts.
• Recent color passport-size photographs of each family member.

1. Open your web browser and navigate to the official portal at cmaay.arunachal.gov.in.
2. Scroll to the Enrollment section on the homepage and select Apply Online.
3. Select your appropriate category: Public (APST / Non-APST Resident) or Government Employee / Pensioner.
4. Input your 10-digit mobile number and authenticate through the verification OTP.
5. Fill out all required fields regarding family head identity, district, circle, village, and residential address.
6. Enter details for your spouse, dependent children, and dependent parents along with their individual 12-digit Aadhaar numbers.
7. Upload scanned copies of your APST Certificate, Family Tree Certificate or Ration Card, and photographs (file size under 2 MB).
8. Review all entered particulars carefully and click Submit.
9. An application reference number is generated. The dossier routes electronically to the local Circle Officer or District Verification Officer.
10. Once approved, log in to the portal or open the Arogya Arunachal Mobile App to download your digital CMAAY e-Card.

1. Arrive at any empanelled hospital (such as TRIHMS Naharlagun, Pasighat General Hospital, or empanelled private hospitals in Assam and beyond).
2. Report to the dedicated CMAAY Kiosk situated at the hospital reception.
3. Present your CMAAY e-Card along with the patient's individual Aadhaar card.
4. The Arogya Mitra validates your beneficiary status on the online transaction portal and logs the electronic admission.
5. The treating doctor selects the required surgical or medical package and files an electronic pre-authorization request.
6. Once cleared by the society's medical audit team, all surgical operations, anesthesia, diagnostic blood tests, imaging scans, and hospital bed charges are settled directly by the scheme.
7. The patient receives discharge instructions and essential recovery medications for five days without paying any out-of-pocket hospital bills.

Emergency 24-Hour Pre-Authorization Window

Tribal Facilitation and Arogya Mitra Desks