Overview of the 2024 Scheme
The Chief Minister Universal Life Insurance Scheme (CMULIS) 2024 is a state‑level program that offers a free life insurance policy to all residents below the poverty line. Launched in January 2024, it builds on the 2022 pilot by extending coverage to a wider demographic and adding new riders.
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Eligibility Criteria
To qualify, applicants must:
- Be a resident of the state and registered with the local municipality.
- Have a monthly income below the state‑defined poverty threshold.
- Be between 18 and 60 years of age.
- Not hold any other life insurance policy.
Policy Details
The policy provides a face value of ₹5 lakh and a term of 20 years. Key features include:
- Zero premium for the first five years.
- Optional accidental death benefit of 1.5× face value.
- Critical illness cover for ten major conditions.
- Cash‑less claim settlement through the state health network.
How to Apply
Applications can be submitted at:
- Online portal: cmulisscheme.gov.in/apply
- Local government offices and community centers.
- Mobile app available on Android and iOS.
Required documents are a proof of residence, income certificate, and a recent passport‑size photograph. The processing time is typically 7–10 business days.
Benefits for Families
Beyond the basic coverage, the scheme offers:
- Education assistance for up to two children.
- Rehabilitation support for disabled dependents.
- An emergency loan facility of up to ₹1 lakh.
Key Differences from 2022 Version
| Attribute | 2022 Scheme | 2024 Scheme |
|---|---|---|
| Face Value | ₹3 lakh | ₹5 lakh |
| Premium Waiver | First 3 years | First 5 years |
| Critical Illness Cover | 5 conditions | 10 conditions |
Common Misconceptions
Some residents believe the scheme is only for the elderly or that it requires monthly payments after the waiver period. In reality, the policy remains free for the first five years, and after that a modest annual premium is payable, but the state subsidizes 70% of the cost.