Central Government Health Scheme for Pensioners

Retirement is one of the most crucial phase of our lives. During retirement, the lack of funds can disrupt your financial stability. The Government has launched the Central Government Health Scheme (CGHS) for all pensioners in India. With CGHS, the pensioners can protect themselves from financial and medical emergencies during the retirement phase.

Here’s everything one must know about the CGHS Scheme by the Government of India. Take a look at the brief overview of the scheme:

1. Brief about CGHS

The CGHS Scheme is a government-sponsored health care facility for all the current and former employees of the Central Government of India. The Central Government has been providing comprehensive health care services over the past six decades. Additionally, it offers medical facilities to all the workers through the following medication system:

• Ayurveda
• Homeopathy
• Allopathy
• Unani and Siddha

The CGHS Scheme is made up of some essential components. The components of the CGHS Scheme help in the functioning of the plan. Here’s a better look at the components mentioned below:

2. Components Of CGHS

• Family welfare and maternal-child health
• Hospitalization
• Domiciliary services
• X-ray, ECG, and laboratory examinations
• Health education to beneficiaries
• Purchase, storage, distribution, the supply of medicines and other equipment
• Consultation services at dispensaries, polyclinics, and other hospitals.

The benefits of the CGHS scheme are extended to multiple people. Apart from the Central Government employees, there are other beneficiaries of the plan as well. Go through the following applicants of the CGHS Scheme:

3. Beneficiaries Of CGHS

• The current employees and their dependents staying in the CGHS areas
• Current and former India Parliament members
• Formers and Lieutenant governors of India
• Indian freedom fighters
• Former Vice Presidents of India
• Current and former judges of the Supreme and High Court of India
• Delhi journalists qualify with PIB
• Delhi Police personnel
• Railway Board workers
• Prisoners and employees of selected autonomous organizations in Delhi

Before enrolling for the CGHS Scheme, one must confirm their eligibility. Meeting the eligibility criteria allows the workers to avail the Central Government Health Scheme with ease:

4. Eligibility For Central Government Health Scheme

• The current employees and their dependents staying in the CGHS areas
• Current and former India Parliament members
• Formers and Lieutenant governors of India
• Indian freedom fighters
• Former Vice Presidents of India
• Current and former judges of the Supreme and High Court of India
• Delhi journalists qualify with PIB
• Delhi police personnel
• Railway Board workers
• Prisoners and employees of selected autonomous organizations in Delhi
• Pensioners retiring with contributory provident fund benefits
• Widows of central government pensioners
• Civilian employees paid from the Defense Service Estimate
• Central government employees on leave preparatory to retirement

There are a plethora of advantages provided to all the eligible beneficiaries. Therefore, glance through the following benefits offered under the CGHS Scheme:

5. Benefits Of Central Government Health Scheme

• It provides OPD treatments along with the issue of medications.
• It covers treatment at the government and empaneled private hospitals.
• It reimburses expenses incurred for the purchase of equipment like hearing aids, artificial limbs, and so on.
• It avails cashless benefits at public hospitals and impaneled private hospitals.

To sum up, The CGHS Scheme is a quality health scheme for the betterment of the workers. Before enrolling for the plan, check your eligibility on the official government website. However, if you do not qualify as an applicant for the CGHS scheme, worry not, Finserv MARKETS has got your back. Health Insurance available on Finserv MARKETS is an ideal solution to protect your health without letting it affect your financial stability.

Also read about other Government initiated health protection measures such as PMJAY.

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