What Is The Central Government Health Insurance Scheme?

What Is The Central Government Health Insurance Scheme?

The central government’s health insurance programme was established in 1954 and covers current and retired employees. The Indian government specifically created the scheme to benefit beneficiaries and give them access to medical benefits.

The central government health system offers medical facilities to its registered members, who include pensioners and employees. The medical plan provides enrolled individuals with cashless services and compensation for medical expenses and treatment.

It covers medical care provided by several medical systems, including allopathy, homoeopathy, Ayurveda, Siddha, Unani, and yoga. The central government health programme (CGHS) dispensary or clinic provides these medical services. More than 35 lakh beneficiaries, spread across 71 cities, are protected by the programme.

Services provided by the central government health programme.

The services available through CGHS are listed below:

  • Both Government And Accredited Hospitals Offer Indoor Treatments.
  • Medical Examinations At Accredited Diagnostic Facilities And Government Hospitals.
  • Treatments Provided By The Outpatient Section, Including The Drugs Available.
  • Cashless Payment Option For Services In Affiliated Hospitals And Diagnostic Facilities
  • Reimbursement Of Costs For Emergency Medical Care Received In Public Or Private Hospitals
  • Reimbursement Of The Costs Incurred To Purchase The Aforementioned Artificial Limbs, Hearing Aids, Etc.
  • Family Welfare, Maternity Care, And Children’s Health Services

What Does “Dependent” Mean In The Context Of The CGHS?

According to the national government health system, a person is considered dependent if their total monthly income is less than Rs 9,000, plus their daily allowance (DA). However, spouses are exempt from this.

What Age Range Falls Under The CGHS For Dependent Children?

Male children are eligible to be dependents under the CGHS until they become 25, begin working, or get married, whichever comes first. However, if the child develops a disability (physical or mental) before the age of 25, he is still entitled to compensation after that age. Regardless of age, a female child is eligible to be a dependent under the CGHS until she begins working or marries, whichever occurs earlier.

Can Family Members Who Don’t Live With The Central Government Employee Qualify For The Programme?

The central government employee may have dependent family members living with them. However, they are entitled to the services provided there under the health programme if they are visiting a city included on the CHGS list.

The Central Government Health Insurance Scheme (CGHS) is a comprehensive healthcare program provided by the Indian government to its employees and their families. The scheme aims to provide quality healthcare services to the beneficiaries and ease the financial burden of healthcare expenses. It covers various medical treatments and procedures, including outpatient and inpatient care, diagnostic tests, and medicines. The scheme has been beneficial to many government employees and has contributed to improving their health and well-being. Make sure you compare health insurance before buying.

A health insurance calculator is a convenient tool you can utilise online to check the coverage required based on your needs.

Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Leave a Reply

Your email address will not be published. Required fields are marked *