What do you get under CMLIS?
Free life cover of ₹2 lakh for the household breadwinner, plus accident cover of ₹2 lakh each for the breadwinner and 3 enrolled family members. The government pays the premium.
Claims are made on the portal, through district functionaries or the toll-free helpline, with the death certificate, claim form, ID, bank details and post-mortem report for accidents.
CMLIS: latest updates
- Revised CMLIS framework for 2026-27 notified: online registration and validation on the CMLIS portal, ₹2 lakh life cover and ₹2 lakh accident cover for the breadwinner and 3 family members. official source
Who is eligible for CMLIS?
- Main breadwinner of a household in Nagaland who is an indigenous inhabitant or permanent resident with a valid Indigenous Inhabitant Certificate or Permanent Residential Certificate.
- Life cover age 18 to 50; accident cover age 18 to 70 (in line with PMJJBY and PMSBY).
- Also covered: accredited journalists, and work-charged, casual and contractual staff not under the State Government Salary Package.
- Regular government employees covered by the State Government Salary Package are excluded.
Also check:
- Only one breadwinner per household is registered for life cover.
- Accident claims need a post-mortem report, or an Executive Magistrate inquiry report when that is not possible.
- No premium or charge is payable at any stage.
Documents needed for CMLIS
0 of 5 ready
Offices may ask for more. Check the official list before you go.
How to apply for CMLIS
- Register on cmlis.nagaland.gov.in: click New Registration, pick your category and verify your mobile with OTP.
- In villages, NSRLM functionaries can register you; in towns, apply at a Swavalamban Connect Kendra or through the Area Administrative Officer.
- Your IIC or PRC, age and family details are verified online; you are enrolled only after digital approval.
How to check CMLIS status
- Log in on cmlis.nagaland.gov.in with your registered mobile number.
- Call the toll-free helpline 1800-345-8924 or +91 9402482312.
Never share an OTP with a caller or a message. Official portals end in .gov.in.
Common questions
Who is eligible for CMLIS?
Main breadwinner of a household in Nagaland who is an indigenous inhabitant or permanent resident with a valid Indigenous Inhabitant Certificate or Permanent Residential Certificate. Life cover age 18 to 50; accident cover age 18 to 70 (in line with PMJJBY and PMSBY). Also covered: accredited journalists, and work-charged, casual and contractual staff not under the State Government Salary Package. Regular government employees covered by the State Government Salary Package are excluded.
How much do I get under CMLIS?
Free life cover of ₹2 lakh for the household breadwinner, plus accident cover of ₹2 lakh each for the breadwinner and 3 enrolled family members. The government pays the premium. Claims are made on the portal, through district functionaries or the toll-free helpline, with the death certificate, claim form, ID, bank details and post-mortem report for accidents.
What documents do I need for CMLIS?
Domicile or residence certificate of the state; Aadhaar card (linked to your mobile number); Mobile number for OTP; Age proof (birth certificate, school certificate or similar); Bank passbook or account details (Aadhaar-seeded account).
How do I apply for CMLIS?
Register on cmlis.nagaland.gov.in: click New Registration, pick your category and verify your mobile with OTP. In villages, NSRLM functionaries can register you; in towns, apply at a Swavalamban Connect Kendra or through the Area Administrative Officer. Your IIC or PRC, age and family details are verified online; you are enrolled only after digital approval. Official site: https://cmlis.nagaland.gov.in/
How do I check CMLIS status?
Log in on cmlis.nagaland.gov.in with your registered mobile number. Call the toll-free helpline 1800-345-8924 or +91 9402482312.
Do I have to pay anyone to apply for CMLIS?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
What does CMLIS Nagaland cover?
₹2 lakh life cover for the household breadwinner for death from any cause, and ₹2 lakh accident cover each for the breadwinner and 3 enrolled family members (up to ₹1 lakh for partial disability). The government pays the premium.
How do I register for CMLIS?
Go to cmlis.nagaland.gov.in, click New Registration, choose your category and verify with mobile OTP. Rural families can register through NSRLM workers and urban families at Swavalamban Connect Kendras.
Are government employees eligible for CMLIS?
Regular employees under the State Government Salary Package are not. Work-charged, casual and contractual staff outside that package, and state employees posted outside Nagaland who are not under it, are covered.
Official sources
- Kiphire District (Govt of Nagaland): CMLIS
- Finance Department notification, operational guidelines and registration guide, June 2026
- CMLIS portal
Last checked 1 November 2026; next review by 30 April 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.