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The Central Government Health Scheme (CGHS) is a health care facility scheme for the existing and former employees of the Central Government of India. The health care facility by CGHS is provided in some particular areas, which are as follows:Allahabad, Ahmedabad, Bangalore, Bhubaneshwar, Bhopal, Chandigarh, Chennai, Delhi & NCR, Dehradun, Guwahati, Hyderabad, Indore, Jaipur, Jabalpur, Kanpur, Kolkata, Lucknow, Meerut, Mumbai, Nagpur, Patna, Pune, Ranchi, Shillong, Thiruvananthapuram and Jammu.
CGHS is a special health scheme for the government employees.
The medical facilities are provided through Wellness Centres (previously referred to as CGHS Dispensaries) / polyclinics under Allopathic, Ayurveda, Yoga, Unani, Sidha and Homeopathic systems of medicines.
Pensioners Must Provide the Following Required Documents
The cost of CGHS facilities differs for the serving employees and the pensioners of the central government of India.
An individual may have a Mediclaim Insurance Policy also along with the CGHS. If due to the medical emergencies, the individual is treated in a private hospital, and some of the bills are paid by the insurance company, the individual will still be able to get the rest of the cover from CGHS.
All the medical bills submitted to the insurance company and the duplicate bills with certificate from Insurance Company will be claimed from CGHS by the pensioner. The serving employees will have to contact their concerned departments for getting the balance from CGHS.
CGHS is only provided in the Government hospitals and the empaneled private hospitals under CGHS. But if an individual faces an emergency and is treated from a non empaneled private hospital, the expenses are reimbursed as per normal CGHS rates.
Before proceeding for doing a surgery, an individual will have to obtain advice from a government specialist/ CMO i/c of Wellness Center.
However, to obtain advice, pensioners will have to apply to CMO i/c of Wellness Center for getting the permission before doing the surgery. However, CGHS will provide reimbursement at CGHS rates to contact their respective department/office.
Central Government Health Scheme is an important and unique scheme that is introduced in India to help the Government employees in providing medical care.