X

Central Government Health Scheme (CGHS)

Rating : 12345
Rate This Article : 1 2 3 4 5
G J E 4
A -A +

CGHS beneficiary can also claim Health Insurance

The Central government employees - serving and retired, who have subscribed to the Central Government Health Scheme (CGHS) in present and in the past, would now be able to claim reimbursement of their actual hospitalization expenses beyond the CGHS package rates. This is mainly on account of the government easing the regulations and the conditions that enable such government employees to utilize healthcare insurance policies for enhanced spending. As a result, this could spur demand for additional insurance policy covers from the concerned government employees. A recent circular from the Ministry of Health and Family Welfare (MOHFW) states that CGHS beneficiaries will be allowed to claim their hospitalization expenses not only from CGHS/ministry but also from Insurance Companies (or Insurers) provided that the reimbursement being claimed by such an employee does not exceed the total medical expenditure incurred by the beneficiary.

Earlier, CGHS beneficiaries could claim the benefits provided under CGHS Act provided that the incurred amount did not exceed prescribed package rates. For this purpose, CGHS has empanelled select hospitals on their list that follow the package rates provided by it. However, the package rates are much lower than the existing or actual market rates.

The proposed move for introduction of Central Government Employees & Pensioners Health Insurance Scheme (CGEPHIS) by the Government of India, would help the beneficiary to claim his/her medical expenses from an insurer (or Insurance Company) in case the claim is beyond/exceeds the ceiling of the CGHS package rates.

Show More Related Topics y

Post your Comments

Comments should be on the topic and should not be abusive. The editorial team reserves the right to review and moderate the comments posted on the site.
User Avatar
* Your comment can be maximum of 2500 characters
Notify me when reply is posted I agree to the terms and conditions
I ,Janeshwar Dayal Tyagi ,retired as ITO from Delhi Income Tax Deptt . am CGHS beneficiary having cards for life ,but valid up to February 2015 .I applied for the renewal of the same on 19-12-2014 .My old card no is 2874014 [self ],2874019 (Mrs Bimlesh Tyagi ,Wife) ,2874017 ( Smt Angoori Tyagi ,Mother) . I have yet not received the new cards by post as was told at the time of applying that cards will be sent to us by post .My address is 1/9865 A ,street no.1 ,West Gorakh Park Shahadra ,Delhi -32 , with regards, Janeshwar Dayal Tyagi,
janeshwar Thursday, February 12, 2015
I Janeshwar Dayal Tyagi, retired as ITO from Delhi Income Tax Dept. am CGHS beneficiary having cards for life, but valid up to February 2015. I applied for the renewal of the same on 19-12-2014. My old card no is 2874014 [ self ], 2874019 (Mrs Bimlesh Tyagi, Wife), 2874017 ( Smt Angoori Tyagi, Mother). I have yet not received the new cards by post as was told at the time of applying that cards will be sent to us by post.

With regards,
Janeshwar Dayal Tyagi

janeshwar Thursday, February 12, 2015
I am retired CGHS beneficiary, having the valid card. I am travelling abroad on valid documents. In case of medical emergency during my travel will I be entitled for reimbursement?
Guest Sunday, December 07, 2014
I PREMASRINIVASAN [70YEARS OLD]RETIRED FROM POSTAL DEPT WITH 35 YEARS SERVICE,RESIDING AT NON-CGHS COVER AREA, SUFERING FROM BLOOD PRESSURE, DIABITIC, AND ORTHO PROBLEM WITH VERTIGO. I AM SPENDING RS.2500/ PER MONTH FOR MEDICENE WHERE AS I AM GETTING MEDICAL ALLONCE RS.300 P/M ONLY. I REQUEST TO GOVT TO ISSUE CGHS CARD OR IMPLIMENT CGEPHIS PLAN.WHEN THE CGEPHIS PLAN WII IMPLIMENT I THINK AFTER MY DEATH ONLY
premasrinivasan44 Thursday, October 30, 2014
I am advised to obtain an essentially certificate for the drugs Jalra 50 mg twice a day and Lamosyn 100 mg twice a day which have to be used along with other drugs used to control diabetes. When the drugs are so important to control the diseases why cannot they be provided by CGHS and why essentiality certificate from NIMS or Gandhi Hospital at Hyderabad are insisted. Is there any form to obtain the essentially certificate?
srideviravi Thursday, March 27, 2014
CGHS Card has been issued in my favor under Kolkata Jurisdiction and availing such facility.Now Issuing of the Plastic CGHS Card is under process but the PIN No. of my residential address is modified recently by State GOVT.[KOLKATA-700157 in place of 700059],KOLKATA-700157 is not covered under CGHS Jurisdiction. How I can be able to get the Plastic Card as well as avail such facility.
adityasinha Tuesday, February 04, 2014
I am central government employee. I am planning to preserve cord blood of my baby. Can i reimburse the cord blood banking charges under central government health scheme ??
sppatel777 Monday, December 09, 2013
I am a CGHS Card holder pensioner retired from CDA[Pension, Kolkata. Can the CGHS clinic refer me to a Damdam Municipal Hospital(which is not shown in the website in empanelled List] Non-Empanelled Hospital for treatment ie.
lilyalld1 Thursday, November 28, 2013
I have to purchase BP apparatus on doctor's prescription kindly guide me the procedure
amarjeetsinghsodhi Thursday, November 14, 2013
is there any further progress on the intended CGEPHIS scheme for which RFP was published in 2010
alagh Saturday, November 02, 2013
View all Comments

Ask an Expert

C
If you have a question about health related issues, you can now post it in our Ask An Expert section on our community website Medwonders.com and get answers from our panel of experts.

Join Our Online Health Community:

Recommended Groups Members Related Discussions
By registering with Medindia you become part of our global health community. Make new friends and share and discuss your health issues, with 134695 other members across 445 support groups.

Most Popular News on Medindia

P
M
View All >>
X
Shop for Genuine Health Supplements at most attractive prices - shop.medindia.net+
s Central Government Health Scheme - CGHS – For Serving Government Employees & Pensioners
Central Government Health Scheme - CGHS – For Serv...
S Central Government Health Scheme - Central Government Employees & Pensioners Health Insurance Scheme (CGEPHIS)
Central Government Health Scheme - Central Governm...