You need health cover regardless of what you take two at a time - pills or stairs.

Central Government Health Insurance Scheme

The Central Government Health Scheme offers healthcare facilities to employees and pensioners of the Central Government of India who are registered under the scheme. The scheme offers reimbursement and cashless facilities to enrolled members.
 4.0 / 5.0   by 5434 users
Used this product? Write a review >>

Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

Responsiveness

The Central Government Health Scheme, or CGHS as it is known in its abbreviated form, has been offering comprehensive medical care to pensioners and employees of the Central Government, provided they have enrolled under the scheme. Individuals are required to meet certain eligibility criteria to enrol under CGHS. They are covered below.

Eligibility Criteria for Availing Central Government Health Scheme:

The following group of people are eligible to avail CGHS:

  • All employees of the Central Government who draw their salary from central civil estimates
  • The dependent family members of the Central Government employees who draw their salary from Central Civil Estimates and reside in areas covered under the CGHS
  • Pensioners and family pensioners of the Central Government, who receive pension from central civil estimates
  • The eligible dependent family members of pensioners and family pensioners of the Central Government who receive pension from central civil estimates
  • Members of parliament, both ex- and sitting
  • Ex-vice presidents
  • Retired judges of high courts
  • Freedom fighters
  • Retired as well as sitting judges of Supreme Court
  • Journalists accredited with Press Information Bureau
  • Employees of the Railway Board
  • Delhi Police Personnel
  • Pensioners and employees of certain statutory/autonomous bodies that have been extended CGHS facilities in Delhi

Facilities Offered by Central Government Health Scheme:

Here are the facilities you can avail by enrolling under CGHS:

  • OPD treatment (inclusive of issue of medicines)
  • Indoor treatment at empanelled and government hospitals
  • Reimbursement of costs for treatment in private or government hospitals in case of emergencies
  • Specialist consultation at government or polyclinic hospitals
  • Investigations at empanelled and government hospitals
  • Maternity, family welfare and child health services
  • Reimbursement of costs incurred for buying appliances, artificial limbs, hearing aids, etc., as specified
  • Cashless facility for treatment in diagnostic centres and empanelled hospitals for identified beneficiaries and pensioners
  • Medical consultation as well as dispending of medicines in homeopathy, Siddha, Ayurveda and Unani systems of medicines

Cities Covered under Central Government Health Scheme:

  • Ahmedabad
  • Allahabad
  • Bengaluru
  • Bhopal
  • Bhubaneshwar
  • Chandigarh
  • Chennai
  • Dehradun
  • Delhi and NCR
  • Guwahati
  • Hyderabad
  • Indore
  • Jabalpur
  • Jaipur
  • Jammu
  • Kanpur
  • Kolkata
  • Lucknow
  • Meerut
  • Mumbai
  • Nagpur
  • Patna
  • Pune
  • Ranchi
  • Shimla
  • Shillong
  • Thiruvananthapuram

Contribution Towards Central Government Health Scheme:

Wards in private hospitals empanelled under CGHS are made available based on the basic pay of the individual in the pay band. Here are the ward entitlements under CGHS:

Ward Entitlement Corresponding Monthly Basic Pay Drawn by the Officer in 7th CPC
General Ward Up to Rs.47,600
Semi-Private Ward Rs.47,601 to Rs.63,100
Private Ward Rs.63,101 and above

Revised Monthly Subscription for CGHS Facility:

Corresponding Levels in Pay Matrix as per 7th CPS Contribution per Month
Level 1-5 Rs.250
Level 6 Rs.450
Level 7-11 Rs.650
Level 12 and above Rs.1000

Treatment of CGHS Beneficiaries in areas that do not cover CGHS:

Inpatient treatment or follow up treatment of CGHS health insurance beneficiaries in the areas that do not cover CGHS is as follows:

  • During times of emergencies, treatment of beneficiaries is allowed in any hospital, but the medical claim has to be submitted to the additional director of the city in which the individual’s CGHS card is registered.
  • During times of non-emergency, the beneficiary of CGHS will be allowed to avail treatment from local/state/central government hospitals. However, prior approval has to be obtained from the CMO I/C of CGHS WC (in the city where the individual’s’ CGHS card is registered). The hospitals from which treatment can be availed must be approved and should fall in the list of CSMA/Empanelled hospitals under ECHS.
  • During times of follow up treatment in case of knee/hip replacement, cardiac/neuro surgery, renal transplant or cancer, the beneficiary of a CGHS is allowed to receive follow up treatment in the approved hospitals provided he/she has received prior permission from the CMO I/C.
  • In case of reimbursement for medical expenses, the amounts that can be claimed will be limited to the rates according to CGHS, and the beneficiary can be treated in any hospital. The medical claim, however, has to be submitted to the additional director of the city in which the CGHS card is registered.

Central Government Health Scheme Reviews

Page 1 of 50 1 2 3 4 5
  • United India Health Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I got group insurance from company, on time I got policy. My father was not good at the time I have used the policy. I got the reimbursement around Rs. 23,000 the total value is Rs. 33,000. I went to shobha hospital they don't have tie up with United India, hence I got the reimbursement.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 18, 2019
  • Max Bupa Health Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I have medical cover with Max bupa, they gave me the coverage value of Rs. 5 lakhs its covers for entire family. One time I claimed for my mother for the eye surgery, I got the reimbursed within 30 days with 90% of amount, the total experience was good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 18, 2019
  • New India Health Insurance
    "Yet to experience the policy"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health insurance policy from new India. As per company norms, they have given me a coverage value of Rs. 5 lakhs. My entire family has been covered in this policy. They are offering a cashless treatment facility.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 18, 2019
  • United India Health Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy in the year of 2018 and the the premium has been deducting from my salary. The premium amount has not been too high and there has been many hospitals collaborated within my locality. There has also been some cashless treatment available with this policy as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have my health insurance with Star health insurance, i had claim experience with it, my experience was good, they have good tie up with my hospital and they have mailed me about the location of it, and i am happy with there service, they have charged me premium amount on yearly basis, and the premium amount is nominal for me, and i use to pay through on line mode.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Max BUPA , i have not opt there policy yet and i use to pay premium on monthly bases , and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with Max bupa health insurance, there service is good, they have charged me premium nominal ,and the premium is on yearly basis, and they have tie up with many hospital , and had shared the details via mail, and i pay premium amount through on line mode.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with HDFC Ergo, they got tie up with many hospitals, and they have shared me location on those hospital in mail, and they have charged me nominal premium amount ,they have charged me up to 17000-18000 as premium, it is on yearly basis, and i use to pay the premium on an on line basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • SBI General Health Insurance
    "Bad experience"
    0.5 1.0/5 "Really Bad"
    I got the health insurance with SBI, they got tie up with many hospitals. I Felt the medical cover its less and i am not happy with there support team ,like if i want to call the customer care there number would not be reachable and they use to mail me PDF after paying premium amount,it would not get open, they have charged me premium amount on yearly basis,i have bad experience with this bank.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 16, 2019
  • HDFC Ergo Health Insurance
    "Very good benefits"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Health Insurance
    "Great company"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from tata aig. I did take health insurance from tata aig for my parents and The Process was so simple. Customer representative is good. The customer service and response was on time, never had any issues. Now I feel safe for my family Thank you tata aig.
    Was this review helpful? 1
    , solapur
    Reviewed on Jan 12, 2019
  • ICICI Lombard Health Insurance
    "Good Health insurance provider"
    0.5 3.5/5 "Pretty good"
    This policy was part of my employment, I took the medical coverage of Rs. 5 lakhs for the tenure of one year, this medical benefits for my entire. They have good networks of hospital with major disease cover. But I think it doesn't have no claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 11, 2019
  • Reliance General Health Insurance
    "On time approval with reliance"
    0.5 4.0/5 "Great!"
    For my spouse operation I used the health policy, I approached them for the claim through hospital. I submitted the form and they send the papers to the Reliance insurance company. I got the cash less treatment, but I paid some amount which was not covered. But they gave me the on time approval.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 11, 2019
  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 1
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Apollo Munich Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a while back and i had been paying the premium amount on an annual basis. The premium method has been convenient and the premium amount has not been high. There has been many hospitals covered in my locality and their customer support has also been helpful.
    Was this review helpful? 2
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    My organization has provided me a health insurance with ICICI Lombard. I have not claimed anything from this policy. My entire family has been covered in this policy. They have given me a coverage value of Rs. 3 lakhs. This is a cashless policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My company has offered a health insurance from Star Health with the coverage of 1L, its for the family, Still I have not used the policy and am gone utilize the policy within 15 days for my family.They covers a major disease. I have called the customer service and the response is good. I am planning to go for reimbursement, they do have minor network of hospitals for cashless. I can recommend after completing my claim.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 09, 2019
  • National Insurance Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health policy from National insurance with the coverage of 2L. It is for the family members and no claim. I never contacted the customer service. Every year it was renewed by the company. They have limited networks of hospitals for cashless. It does not cover only eye problems, if we got admitted in hospital for 24hrs then applicable for claim.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
Common Loader Icon
Page 1 of 50 1 2 3 4 5

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.