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The Central Government Health Scheme or CGHS is a special medical scheme that has been specially crafted for current and ex-employees of the Central Government. This scheme is applicable in 80 places across the nation. It offers quality healthcare services through several wellness centres and competently covers various forms of treatment.
This is a comprehensive overview of the Central Government Health Scheme
| Scheme Name | Central Government Health Scheme |
|---|---|
| 1954 | |
| Offering comprehensive healthcare facilities exclusively to the central government employees | |
| Current and ex-central government employees and their immediate family members | |
| Treatment coverage for allopathy, homoeopathy, and other Indian treatment methods |
Some of the basic components of the Central Government Health Scheme include:
Domiciliary treatment
M.C.H. and F.W. services
Polyclinic, dispensary, and consultation facilities of designated hospital specialists
Lab investigations, E.C.G. and X-ray
Hospitalisation coverage
Health education to the beneficiaries
Supply, storage, distribution, and purchase of all sorts of healthcare equipment, medicines, and other paraphernalia
CGHS scheme premium is determined according to the income scale and grade. You have to clarify beforehand what will be your premium depending on your rank:
| PAY LEVEL | PREMIUM AMOUNT (INR) |
|---|---|
| Level 1-5 | 250 |
| Level 6 | 450 |
| Level 7-11 | 650 | Level 12 and above | 1000 |
Some of the most significant benefits of the CGHS include the following:
Comprehensive medical facilities: CGHS allows comprehensive medical protection to all its beneficiaries. This includes consultation, investigation, hospitalisation, etc.
Affordable healthcare: The costs of all the medical services available under this scheme are available at a reasonable rate.
Cashless treatment: CGHS offers cashless medical facilities across the country. You need to submit all the relevant bills and documents to the respective department for settlement.
Preventive healthcare: CGHS caters for preventive health check-ups including immunisation, dental checks, etc.
Emergency protection: CGHS allows emergency medical protection to its beneficiaries including round-the-clock medical assistance, ambulance service, critical care facilities, etc.
