Central Government Health Scheme 2024

Central Government Health Scheme – To provide comprehensive medical care to the Central Government employees and pensioners, the Government of India implements the Central Government Health Scheme. Through this scheme, various kinds of medical facilities like OPD treatment, specialist consultation, investigation, etc are available for the beneficiaries. This article covers complete details regarding the Central Government Health Yojana. You will get to know about the application procedure through this article. Other than that you will also get to know about Central Government Health Scheme 2024’s objectives, benefits, features, eligibility, required documents, appointment booking procedure etc.

The Government of India has launched the Central Government Health Scheme for Central Government employees and pensioners(including their dependents). Through this scheme, various kinds of medical facilities are being made available to them which include OPD treatment, specialist consultation, investigation, etc. For availing the benefit of this scheme the beneficiary is required to pay a certain amount of contribution. The government has been implementing this scheme for the last six decades. Beneficiaries are offered comprehensive medical care through this scheme.

Presently 38.5 lakh beneficiaries are covered under the Central Government Health Scheme across 74 cities in India. Soon the government is going to cover the left-out beneficiaries. The beneficiaries can also avail of indoor treatment at Government and empanelled hospitals through this scheme. Beneficiaries can get homoeopathic, ayurvedic, Unani, or allopathic medicine through this scheme.

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Objective Of Central Government Health Scheme

The main objective of the Central Government Health Scheme is to provide healthcare facilities to the employees and pensioners of the Central Government. Various kinds of medical facilities are available for the beneficiaries through this scheme. For availing the benefit of this scheme beneficiaries are required to make a certain amount of contribution. Facilities like OPD treatment, specialist consultation, investigation, etc can be availed through this scheme. Not only allopathic medicine but homoeopathic, ayurvedic, and Unani medicine are also provided to the beneficiaries through this scheme.

Revamp Of Official Website And Mobile App

The health ministry has decided to revamp the Central government health scheme’s official website and mobile app. The minister of health Mansukh Mandaviya launched and revamped the website of the Central government health scheme on 24 January 2022. Through this revamp the website can be linked with the mobile app which will help in taking timely steps toward catering to India’s increasing digital penetration. The new website has various updated features which will help beneficiaries. Newly provided features on the website include Tele consultation, expert advice etc. This website will further increase the outreach to the beneficiaries.

The website has been developed following the guidelines for the Indian government website and has a very user-friendly feature which includes aid for visually impaired persons like audio play of the text and option to increase the font size. Beneficiaries can also track medical claims, grievances, status and downloading of CGHS card etc

Key Highlights Of Central Government Health Scheme

Name Of The Scheme	Central Government Health Scheme
Launched By	Government Of India
Beneficiary	Employees And Pensioners Of Central Government
Objective	To Provide Healthcare Facilities
Official Website	https://cghs.nic.in/
Year	2024

Benefits And Features Of Central Government Health Scheme

The Government of India has launched the Central Government Health Scheme for Central Government employees and pensioners
The dependents of beneficiaries will also get benefit of this scheme
Through this scheme various kinds of medical facilities are being made available to them which includes OPD treatment, specialist consultation, investigation etc.
In order to avail the benefit of this scheme the beneficiary is required to pay a certain amount of contribution.
The government has been implementing this scheme for the last six decades. Comprehensive medical care are being offered through this scheme.
38.5 lakh beneficiaries cover under the Central Government Health Scheme across 74 cities in India.
The government is going to soon cover the left out beneficiaries.
The beneficiaries can also avail indoor treatment at Government and empanelled hospitals through this scheme.
Beneficiaries can get homeopathic, ayurvedic, unani or allopathic medicine through this scheme.
In the emergency cases the private hospital have to issue a certificate in which the detail of the condition of the patient should be stated at the time of admission justifying the emergency
The impanelled hospital cannot refuse the admission in an emergency to the beneficiaries and have to provide cashless treatment to the beneficiary

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Facilities Of Central Government Health Scheme

OPD treatment including issue of medicine
Reimbursement of expenses incurred for purchase of hearing aid, artificial limbs, appliances etc
Family welfare, maternity and child Health Services
Medical consultation and dispensing of medicines in Ayurveda, homeopathy, Unani and siddha system of medicine
Specialist consultation at polyclinic or government hospital
Indoor treatment at Government and empanelled Hospital
Investigations at Government and empanelled diagnostic centres
Cashless facility available for treatment in empanelled hospitals and diagnostic Centre for pensioner and other identified beneficiaries
Reimbursement of expenses for treatment availed in government or private hospital in case of emergency

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Name Of Cities Covered Under Central Government Health Scheme

Agartala
Agra
Ahmedabad
Aizawl
Ajmer
Aligarh
Ambala
Amritsar
Bagpat
Bengaluru
Bareilly
Berhampur
Bhopal
Bhubaneswar
Chennai
Chandigarh
Chhapra
Cuttack
Darbhanga
Dhanbad
Dehradun
Delhi and NCR
Sahibabad
Dibrugarh
Gandhinagar
Gangtok
Gaya
Gorakhpur
Guwahati
Guntur
Gwalior
Hyderabad
Imphal
Indore
Jabalpur
Jaipur
Jalandhar
Jammu
Jodhpur
Kannur
Kanpur
Kohima
Kolkata
Kochi
Kota
Kozhikode
Lucknow
Meerut
Moradabad
Mumbai
Muzaffarpur
Nagpur
Nellore
Panaji
Patna
Puducherry
Pune
Prayagraj
Raipur
Ranchi
Rajahmundry
Saharanpur
Shillong
Shimla
Silchar
Siliguri
Sonipat
Srinagar
Thiruvananthapuram
Varanasi
Tiruchirappalli
Tirunelveli
Vadodara
Vijayawada
Visakhapatnam

Vidhwa Pension Yojana

Monthly Contribution For Availing Central Government Health Scheme

Corresponding levels in the pay Matrix as per 7th CPC	Contribution (per month)
Level 1 to 5	Rs 250
Level 6	Rs 450
Level 7 to 11	Rs 650
Level 12 and above	Rs 1000

Entitlement Of Wards In Private Hospital Empanelled Under Central Government Health Scheme

Corresponding basic pay drawn by the officer in 7th CPC per month	Ward entitlement
Upto Rs 47600	General
Rs 47601 to Rs 63100	Semi Private
Rs 63101 and above	Private

Monetary Ceiling For Free Diet

Rs 44900 per month is the monetary ceiling for the free diet for Central Government Health Scheme beneficiaries

Monetary Ceiling For Free Diet For Beneficiary Suffering From Tuberculosis Or Mental Illness

The monetary ceiling for a free diet for a beneficiary who is suffering from Tuberculosis or mental illness is Rs 69700 per month

Pay Slab For Determining The Entitlement Of Nursing Home Facilities In The Hospital

The monetary ceiling for pay slab for determining the entitlement of Nursing Home facilities in the hospital is Rs 47600 per month and above

Pay Slab For Determining The Entitlement Of Accommodation In AIIMS, New Delhi

Corresponding basic pay is drawn by the officer in 7th CPC per month	Ward entitlement
Up to Rs 63100	General
Rs 63101 to Rs 80900	Private
Rs 80901 and above	Deluxe/private

Some Important Points Regarding Central Government Health Scheme For Pensioners

The pensioners can get their Central Government Health Scheme pensioner card either by making contribution on annual basis or by making contribution for 10 years with lifetime validity
Any pensioner who is eligible to receive the benefit of this scheme but still not made their plastic card then the rate of contribution for such beneficiaries will be with the reference to the level of pay that he or she would have drawn in the post held by him or her if she continued to be in service now
The contribution which is made by the pensioner would be the amount that were subscribing at the time of their retirement or at the time of death of the government servant
All those pensioners who have obtained plastic card with lifetime validity then those beneficiaries are not required to pay any additional amount
The entitlement of those pensioners who have availed lifetime validity will not be changed
Those pensioners who are contributing on the annual basis and wish to continue to avail the benefits of the scheme are required to contribute at the revised rate up to the time of contribution needed to cover a period of total 10 years

Plastic Cards Under Central Government Health Scheme

Plastic cards will be provided to the beneficiaries and dependents of Central Government Health Scheme. This card will contain a photo and unique beneficiary id number which is required to be produced at the service point in order to avail the facilities. The beneficiary is required to safely keep this card. If the card is lost then the beneficiary is required to inform the police and the authorities. A duplicate card can be obtained against the lost card by applying for it to the concerned additional director along with a copy of FIR. The beneficiary will be charged Rs 50 for it

Dependents Under Central Government Health Scheme

Parents or parents in law in case of female employees
Unmarried son till 25 years of age
Dependent unmarried/widowed/divorced/separated daughters and sisters
Minor brothers

Pensioners Residing Out Of Covered Cities

All those pensioners who are residing outside the covered area have the option to opt for a regular Central Government Health Scheme Card or an indoor treatment card with the fixed medical allowance from the nearby covered City. Indoor treatment cardholders will not be eligible for any kind of OPD treatment and issue of medicines from the wellness centers

Transfer Of CGHS Cards

If the serving beneficiary is transferred from one department to another in the same city then the same card will continue to be used. The new department will duly inform Central Government Health Scheme authorities so that necessary changes can be made in the database. If the transfer of beneficiary is done in some other City then also the same card will continue to be used. The employee is required to submit an application along with the transfer orders to the AD of the present CGHS City for transfer cards to the new city of posting. The card will be transferred to his new city of posting. After joining the new city the beneficiary will submit the application with supporting documents to the AD of that city in order to validate his card.

Validity Of Central Government Health Scheme Card

The Central Government Health Scheme card will be valid till the date of retirement of the employee if otherwise the employee is eligible
If the pensioner is making yearly payment so in order to continue the validity the contribution is to be made prior to completion of the continuing year
If a service employee is transferred to a non CGHS covered area then the service card will be valid for the family members up to 6 month after transfer provided that the contribution for 6 months is made
In all the covered cities the Central Government Health Scheme card is valid for treatment investigation and hospitalization
Transit permit is not required to take for getting treatment in another City except receiving high value medicines classified as life saving or restricted supply medicines
A temporary attachment is also required to be submitted to wellness Centre

Addition Or Deletion Of Names In Central Government Health Scheme Card

If the main card holder dies then the card becomes invalid and fresh card has to be applied for the spouse after he or she starts drawing the pension
A death certificate and old card is required to be attached with the application
Serving employee on the birth of his or her child or marriage will get the names of spouse or child added to the card after submitting the form
If the spouse dies or son/daughter/dependent dies/marries/employed then it is the responsibility of main card holder to inform to the authorities about deletion of name from the card

Note: A serving employee can also get a pensioner card along with his pension papers. On the day of retirement, the pensioner card will be issued provided that it was applied for at least six weeks before retirement. The card will activate from the next day of issue.

Procedure Of Referral

OPD consultation can be availed by all the beneficiaries in the CGHS covered cities from the specialist in any government hospital without any need of referral
All those beneficiaries whose age is below 75 years can seek for OPD consultation from the specialist in the empanelled hospital after medical officer or CMO incharge of wellness Centre refers them
Referral is valid for one month till 3 OPD consultation
After the consultation the beneficiary is required to report to the concerned wellness Centre and the medical officer of CMO in charge will endorse the investigation and issue medicine
All the beneficiaries whose age is above 75 years can directly avail OPD consultation without any referral

Permission For Treatment Procedure

For treatment in empanelled diagnostic centres or hospitals no permission is required if the treatment is prescribed by the medical officer or CMO incharge or government hospital specialist
The listed investigations or treatment procedure is required to be endorsed by the referring medical officer or CMO incharge
After referring a referral ID would be generated online which is required to be presented in the empanelled diagnostic Centre or Hospital
For unlisted investigations or treatments permission is required to be taken

Documents To Submit For Getting The Investigation Done By An Empanelled Diagnostic Centre Or Hospital

Referral letter/referral ID from CGHS medical officer/CMO incharge or prescription from government hospital specialist
Copy of CGHS card of patient and main card holder
Original prescription and original card for verification

Documents To Be Submitted For Getting Any Treatment Procedure Done At An Empanelled Hospital

Referral letter/referral ID from CGHS medical officer/CMO incharge or prescription from government hospital specialist
Copy of CGHS card of patient and main card holder
Original prescription and original card for verification

Hospitalization Under Emergency

In case of emergency the beneficiaries can be admitted to any government or private hospital
The reimbursement will be as per the Central Government Health Scheme rates
In certain specific cases full reimbursement will be allowed on the recommendation of Technical standing committee
In the emergency cases the private hospital have to issue a certificate in which the detail of the condition of the patient should be stated at the time of admission justifying the emergency
The empanelled hospital cannot refuse the admission in emergency to the beneficiaries and have to provide cashless treatment to the beneficiary

Indoor Treatment In Empanelled Hospital

Following things include in treatment procedure at empanelled hospital:-
- Preoperative investigation
- Two pre operative and two post operative consultation
- Room charges as per entitlement
- Medicine and all such facilities during admission period
The cost of stents, implants etc is reimbursed as per ceiling rate for Central Government Health Scheme or actual whichever is lower in addition to package rate
The pensioner will be provided credit facility by the hospital
The serving employee will charge as per the rates.
No extra charge will be charged from the beneficiary above the package rate except if the beneficiary opts for costlier implant or device other than the approved one. This extra amount will reimburse to the beneficiary.

Claim Submission Under Central Government Health Scheme

If the treatment of done in emergency in the non Empanelled hospital/expenditure incurred for treatment in empanelled hospital beneficiary is required to submit medical reimbursement claim
This claim is to be submitted within 3 months of discharge from the hospital
The serving employee has to submit the claim into the concerned department
Pensioner beneficiary have to submit the claim to the CMO of the Central Government Health Scheme wellness Centre
The claim is to be submitted in duplicate in the prescribed form
Upon verification of the claim if the claim is found to be complete with all the documents then an acknowledgement will be generated with claim number
Beneficiary can track status of complaint using the claim number
At each stage of MRC proceeding SMS will sent to the beneficiary

Eligibility Criteria

All the Central Government employees paid from the central civil estimates including the dependent family members residing in Central Government Health Scheme covered areas (excluding railways and Delhi administration)
Civilian employees of defence who are paid from defence service estimates
Railway board employees
Delhi police personnel and their families(in delhi only)
Widows of Central Government pensioners in respect of family pension
Central Government pensioners retiring with contributory provident fund benefits and their families
Pensioners of Central Government and their families (except pensioners belonging to railway and armed forces)

Required Documents

Serving employees

Proof of residence
stay of dependents
Proof of age of son
In case of differently abled dependent son above 25 years, disability certificate from the competent authority

Pensioners

Proof of residence
Proof of stay of dependents
age of son
In case of differently abled dependent son above 25 years, disability certificate from the competent authority
Surrender certificate of CGHS Card
Attested copies of PPO/Last pay certificate
Demand draft

Apply For CGHS Plastic Card

First of all go to the official website of Central Government Health Scheme

The home page will open before you
On the homepage click on apply plastic cards option.

A new page will appear before you
On this new page you have to enter your mobile number and captcha code
After that you have to click on generate OTP
Now you have to enter OTP into the OTP box
After that you have to click on submit
Application form will appear before you
You have to enter all the required details in this application form
Now you have to upload all the required documents
After that you have to to click on submit
By following this procedure you can apply for plastic cards

Book Central Government Health Scheme Appointment

Go to the official website of Central Government Health Scheme
The home page will open before you
Now you have to click on book appointment option.

After that you have to enter your beneficiary id and captcha code
Now you have to click on generate OTP
After that we have to enter OTP into the OTP box
Now you have to click on submit
After that you have to choose dispensary
Now you have to select date and time of appointment
After that you have to click on submit
You will receive the confirmation of appointment through sms

CGHS Login

Visit the official website of Central Government Health Scheme
The home page will open before you
Now you have to click on CGHS login option.
Login form will appear before you
You have to enter your user id password and captcha code on this form
After that you have to click on login
By following this procedure you can do CGHS login

Do Beneficiary Login

First of all go to the official website of Central Government Health Scheme
The home page will open before you
On the homepage you have to click on beneficiaries option.
After that you have to click on beneficiary login

Now you have to enter beneficiary id password and captcha code
After that you have to click on sign in
By following this procedure you can do beneficiary login

Procedure To Get Details About Restricted Drugs And Medicines

First of all go to the official website of Central Government Health Scheme
The home page will open before you
Now you have to click on view option.
After that you have to click on restricted drugs/medicines (online)

or Restricted drugs/medicines(offline)

A new page will appear before you
On this page you can get the required details

Download CGHS Renewal Or New Application Form

Go to the official website of Central Government Health Scheme
The home page will open before you
On the home page you should click on (serving/pensioner)(new/renewal) option.

A new page will appear before you
From this new page can download all the application forms

Procedure To Verify CGHS Beneficiary

Go to the official website of Central Government Health Scheme
The home page will open before you
Now lick on beneficiaries option.
After that you have to click on verify beneficiary

A new page will appear before you
On this page you have to enter beneficiary id and captcha code
After that you have to click on generate OTP
Now you have to enter OTP into the OTP box
After that you have to click on submit
By following this procedure you can verify beneficiaries

Procedure To Book Appointment (CGHS walk in)

Visit the official website of Central government health scheme
The home page will open before you
On the homepage you are required to click on beneficiary corner
Now you have to click on book appointment

Following options will appear before you
- CGHS walk in
- Esanjeevani teleconsultation
You have to click on CGHS walk in
After that you have to enter your beneficiary id and captcha code
Now you have to click on generate OTP
After that we have to enter OTP into the OTP box
Now you have to click on submit
After that you have to choose dispensary
Now you have to select date and time of appointment
After that you have to click on submit
You will receive the confirmation of appointment through sms

Procedure To Book Appointment (e Sanjeevani teleconsultation)

Go to the official website of Central government health scheme
The home page will open before you
On the homepage you are required to click on beneficiary corner
Now you have to click on book appointment

Following options will appear before you
- CGHS walk in
- Esanjeevani teleconsultation
You have to click on e Sanjeevani teleconsultation
After that you have to click on patient registration
Now you have to enter your mobile number and select state
Now you have to enter the required details and click on submit
After that you have to do patient login by entering your mobile number or patient id and token number
Now you have to wait for your turn to consult doctor
After consultation you can download e prescription

Procedure To Get Details Supply Of Medicine

First of all go to the official website of Central government health scheme
The home page will open before you
Now you are required to click on beneficiary corner
After that you have to click on supply of medicine

Following options will appear before you
- Supply of medicines from wellness Centre
- authorising beneficiary to purchase medicine
- issuance of restricted medicine
You have to click on the option of your choice
Required information will be on your computer screen

Procedure To Search Location

Go to the official website of Central government health scheme
The home page will open before you
On the homepage you are required to click on beneficiary corner
Now you have to click on search location

A new page will appear before you
On this page you have to select your state and district
Required details will be on your computer screen

Get Details About Empanelled Hospitals Diagnostic Centres And Rates

Visit the official website of Central government health scheme
The home page will open before you
Now you are required to click on beneficiary corner
After that you have to click on empanelled hospital diagnostic centre and rates
A new page will appear containing the list of all the empanelled hospital diagnostic centres and their rates
You have to click on the option of your choice
Required details will be on your computer screen

Procedure To Get Details About Authorised Local Chemist

First of all go to the official website of Central government health scheme
The home page will open before you
Now you are required to click on beneficiary corner
After that you have to click on authorise local chemists
following information will appear before you:-
- List of ALC outside Delhi
- List of ALC Delhi NCR
You have to click on the option of your choice
Required details will be on your computer screen

Search For Empanelled Hospital Diagnostic Centre And Cghs Rates

Go to the official website of Central government health scheme
The home page will open before you
On the homepage you are required to click on beneficiary corner
After that you have to click on search for empanelled hospitals diagnostic Centre and CGHS rates

Now you have to select the type of hospital and city
After that you have to click on submit
Required details will be on your computer screen

Procedure To Do All The Important Downloads

Visit the official website of Central government health scheme
The home page will open before you
Now you are required to click on downloads
Following options will appear before you
- Application forms for plastic card
- MRC forms
- Mandate form For individuals
- Utilisation certificate
- Certificate of necessity for oxygen concentrator
- Certificate of necessity for CPAP
- Certificate of necessity for BIPAP and bilevel ventilatory support
- Checklist for permission for BIPAP, CPAP, O2 concentrator
- Checklist for permission for hearing aid device
- Draft for MOA
You have to click on the option of your choice
Form will appear on your screen
By following this procedure you can download form of your choice

Procedure To Lodge Grievance

First of all go to the official website of Central government health scheme
The home page will open before you
On the homepage were required to click on grievance
Now you have to click on lodge grievance

A new page will appear before you
On this page you have to enter beneficiary id
After that you have to click on generate OTP
Now you have to enter OTP into the OTP box
After that you have to click on submit
Grievance form will appear before you
On this form you have to enter all the required details
Now you have to upload relevant documents
After that you have to click on submit
By following this procedure you can lodge grievance

Procedure To Get Contact Details

Visit the official website of Central government health scheme
The home page will open before you
Now you are required to click on contact us
Following options will appear before you
- CGHS directorate contact details
- Contact ads all India CGHS cities
- CGHS Delhi contact details
- CGHS outside Delhi contact details
You have to click on the option of your choice
Required details will be on your computer screen

View Empanelled Hospital And Rates

Visit the official website of Central Government Health Scheme
The home page will open before you
On the home page you have to click on beneficiaries option.
After that we have to click on empanelled hospitals and rates

A new page will appear before you
On this page you have to select search category and city
After that you have to click on submit
Required details will be on your computer screen

Lodge Grievance

First of all go to the official website of Central Government Health Scheme
The home page will open before you
Now you have to click on beneficiaries option.
After that you have to click on lodge grievance

A new page will appear before you
On this page you have to enter beneficiary id
After that you have to click on generate OTP
Now you have to enter OTP into the OTP box
After that you have to click on submit
Grievance form will appear before you
On this form you have to enter all the required details
Now you have to upload relevant documents
After that you have to click on submit
By following this procedure you can lodge grievance

Details About Authorised Local Chemist

First of all go to the official website of Central Government Health Scheme
The home page will open before you
On the homepage you should click on beneficiary corner.
Now you have to click on authorised local chemist

A new page containing the following options will appear before you:-
- List of ALC Delhi NCR

List of ALC outside Delhi

You have to click on the option of your choice
Required details will be on your computer screen

Reimbursement Of Claim Status

First of all go to the official website of Central Government Health Scheme
The home page will open before you
Now you should click on reimbursement of claim status option.

A new page will appear before you
You have to select your city
Required details will be on your computer screen

View Dashboard

View the official website of Central Government Health Scheme
The home page will open before you
On the home page you should click on view option.
Now you have to click on dashboard

A new page will appear before you
On this new page you have to select your city and wellness Centre
Required details will appear on your screen

Give Feedback

Go to the official website of Central Government Health Scheme
The home page will open before you
Now you ahave to click on feedback option.

Feedback form will appear before you
You have to enter subject, name, address, mobile number, phone number, email address, description of feedback and captcha code on this page
After that you have to click on submit
By following this procedure you can give feedback

View Contact List

View the official website of Central Government Health Scheme
The home page will open before you
Now you have to click on help desk
After that you have to click on contact list

Now a new page will appear before you containing the following options:-
- CGHS directorate contact details
- Contact ads all India CGHS cities
- CGHS Delhi contact details
- CGHS outside Delhi contact details
You have to click on the option of your choice
Required details will be on your computer screen