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CGHS, or the Central Government Health Scheme, is a comprehensive health policy available with specific terms and conditions for the employees (both working and retired) of the Central Government as well as their dependent family members.
The CGHS scheme is termed one of the largest central government health insurance schemes for two reasons:
The scope of CGHS goes much beyond the traditional treatment of allopathy. Thus, along with allopathy, the policyholders of CGHS can avail of treatment under Ayurveda, Siddha, Homeopathy, Unani and Yoga & Naturopathy.
Various CGHS card benefits can be availed by central government employees who are working currently or those who are retired. Here are some benefits:
CGHS insurance policy can be availed by all central government employees. Below are people who come under CGHS eligibility:
CGHS provides health insurance benefits to central government employees in the following cities:
Agartala |
Agra |
Ahmedabad |
Aizawl |
Ajmer |
Aligarh |
Allahabad |
Ambala |
Amritsar |
Baghpat | Bengaluru | Bhopal |
Bhubaneshwar | Chandigarh | Chennai |
Dehradun |
Delhi & NCR |
Gandhinagar | Guwahati |
Hyderabad |
Jabalpur |
Jaipur | Jammu |
Kanpur |
Kolkata |
Lucknow | Meerut |
Mumbai |
Nagpur |
Patna | Pune |
Ranchi |
Shillong |
Shimla | Thiruvananthapuram |
The registration process is very simple. You just need to download the CGHS application form and fill it with complete and correct details. You would need copies of the below documents:
You need to send a demand draft of CGHS contribution to PAO, CGHS, New Delhi (for Delhi) or Additional Director, CGHS, of the respective city.
The employees working currently under the central government can duly fill out the application form. They can collect all the copies of the required documents and submit the same to the concerned department where they are working. The department, in turn, will forward the same to the Additional Director of the respective city.
The retired employees should duly fill out the application. Next, they can take copies of the required documents as mentioned above. Similar to the above process of existing employees, the retired individuals must also submit the documents along with the application to the Additional Director, Headquarters (for Delhi) or Additional Director of your city. You must also attach the CGHS surrender certificate (in case it was issued during the service period)
Once the concerned department receives the application, they will process the CGHS Card. When the card is ready, it is sent to the Wellness Centre of the respective city before it reaches you.
CGHS card is the Central Government Health Scheme card. It takes about three to four weeks to prepare the plastic card, while the printout of the index card can be obtained on the same day. Once you receive the actual card, you need to check all the details to see if they are valid. If there is an issue or any error in the record, one needs to approach the Joint Director CGHS (HQ) in Delhi.
CGHS health cards come in one of four colors:
The contribution is automatically deducted from the salary every month depending on the grade of the employee:
Grade pay |
Amount to be contributed |
Up to INR 1650 |
INR 50 |
INR 1800 – INR 2800 |
INR 125 |
INR 4200 |
INR 225 |
INR 4600 – INR 6600 |
INR 325 |
INR 7600+ |
INR 500 |
To Sum
The CGHS is a government employee health insurance scheme offering high-standard healthcare treatment to its policyholders. The benefits under the scheme are similar to those offered by premium health insurance companies in India.
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Dependents under CGHS include people who earn an income less than INR 9000 per month, including DA or Dearness Allowance.
For a male child, the eligibility of being dependent is until he turns 25 years. However, if the child suffers from any mental or physical disability, he becomes eligible for being dependent even after 25 years of age. In the case of a female child, she stays dependent until employed or married, whichever takes place earlier, without any age barrier.
To apply online, one needs to visit the official website of the scheme at https://cghs.nic.in/
or https://cghs.gov.in/. You can fill out the application duly, which is available in the portal. Also, you can avail of this form from wellness centres enlisted under the policy.
The CGHS beneficiaries can avail cashless treatment only in the impaneled hospitals.
Yes. CGHS beneficiaries can get cashless/reimbursement facilities at AIIMS.
CGHS means Central Government Health Scheme
PayBima Team
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