The Central Government Health Scheme (CGHS) is a government-run health insurance scheme mainly designed for the central government employees and their dependents. The scheme also covers pensioners who retired from the central government services and their dependents.
The CGHS scheme was rolled out by the Ministry of Health and Family Welfare under the government of India in 1954. It offers a comprehensive medical cover to meet the health requirements of employees serving or have served in central government offices. The medical facilities under the CGHS can however, be availed only in CGHS covered cities. As of now, CGHS facilities are operational in 25 cities in India.
For the benefit of the individuals enrolled in the scheme, an official website has been created for the CGHS. The enrolled beneficiaries can log in to the CGHS site and access information regarding the benefits, features, eligibility, treatment procedures, reimbursement claims, etc.
Features of the CGHS:
CGHS is targeted at securing the health of beneficiaries in all four towers of democracy - judiciary, legislature, press, and executive. The scheme boasts of a broad beneficiary base and has the following features:
- CGHS covers allopathic, homeopathic, and AYUSH treatments.
- The enrolled beneficiaries will be given a plastic CGHS card containing the beneficiary's photo and a unique ID number.
- Child Health Services, Maternity, and Family Welfare.
- In case any treatment is availed at private or government hospitals under emergency, reimbursement will be provided on the expenses that have been incurred.
- Reimbursement will be provided for the purchase of appliances, artificial limbs, and hearing aids.
- Investigations at Empanelled Diagnostic centres.
- Special consultaions at Empanelled and Government hospitals.
- OPD treatments.
Who is Eligible for the CGHS scheme?
As stated above, all the employees, pensioners, and the dependents of individuals serving/have served in central government offices are eligible for the scheme. Apart from that, the following are also entitled to avail benefits under the scheme:<
- Defence civilian employees who are paid by the Defence Service Estimates.
- Railway Board employees.
- Personnel in the Delhi Police and their families.
- Central Government pensioners and their families. However, pensioners who belong to the Armed Forces and Railways are not eligible.
- Central Government employees who are paid by the Central Civil Estimates. However, employees who are in the Delhi Administration and Railways are not eligible.
How to Login to the CGHS site and Access Details?
The CGHS has introduced an online facility where enrolled beneficiaries can login and view details of their medical history, check status of medicines and reimbursement claims, etc. To log in to the site and access details, the steps given below need to be followed:
Step 1: Visit the site - www.cghs.nic.in.
Step 2: Click on ‘Beneficiary Login’. The option can be found under the ‘Beneficiaries’ tab.
Step 3: On clicking the tab, a new window will be opened that says ‘Beneficiary Sign in’.
Step 4: Next, you will find a tab to enter your beneficiary ID, password, and captcha details. If you do not have the password, you can generate one by clicking on ‘Generate Password’. Or, if you have forgotten your password, you can use the ‘Forgot Password’ option to reset your password by following the instructions provided.
Step 5: After receiving your password, you can use your login credentials (beneficiary ID and password) and view your details, the status of your claims, your medical history, etc.
Step 6: You can also update your Aadhaar number by clicking on the tab ‘Update Aadhaar No.’ and click on ‘Save’.
Enrollment for CGHS:
Employees currently serving under the central government offices simply need to submit the necessary forms, along with the photographs of eligible family members to the office/department/ministry where he/she is employed. The documents will be forwarded to the Additional Director of CGHS in the city, by the department/office/ministry.
Pensioners can directly approach the office of Additional Director and submit the required form and documents, to get themselves enrolled in the scheme.
Central Government Health Scheme (CGHS) Login
- From where can I print the CGHS card?
- Are the facilities offered by CGHS free of cost?
- Is it possible to update the mobile number online?
- Are Members of the Parliament eligible to avail the CGHS facilities?
- In how many cities does CGHS operate at?
You can visit cghs.nic.in to print the CGHS card. The computerised version of the card is provided the same day the application is submitted.
No, the facilities that are offered by CGHS are not free of cost.
Yes, you can update the mobile number online by visiting cghs.nic.in and choosing the ‘Beneficiary Login’ option.
Yes, Members of the Parliament and their families can avail the CGHS facilities.
Currently, CGHS operates in 73 cities.