Central Government Health Scheme 

In a country like India, which has the highest population living below the poverty line, healthcare is a major concern. The inadequacy of funds limits access to quality medical facilities. The Central Government Healthcare Scheme (CGHS) has been introduced to combat the health issues of all the employees of the central government.

The CGHS scheme is a broader concept of health insurance. Hence, an individual must understand the basics of the plan before opting for it. Given below are the details of the CGHS health Scheme. Take a look:

What is CGHS?

In 1954, the CGHS health scheme was launched for the current as well as former employees of the Central Government of India. The Government of India has specially crafted the scheme for the betterment of the beneficiaries. Therefore, medical services are facilitated through CGHS dispensaries or clinics under allopathy, Ayurveda, homeopathy, and so on.

Every health insurance policy consists of specific components based on the needs and preferences of an employee. Here’s a closer look at the components of the CGHS health scheme:


Components of CGHS

  • Dispensary services and domiciliary care

  • Consultation facilities

  • Hospitalization

  • Supply of medication and other medical requirements

  • Health education to beneficiaries

  • Laboratory examinations like X-rays, ECG, and so on

  • Maternal child health and family welfare services

Ideally, the CGHS beneficiaries are the central government employees and their families. Besides, there are a few other beneficiaries covered by the plan. Here’s a closer look at them:

Beneficiaries of CGHS

  • Current and former employees of the Indian Parliament

  • Former & Lieutenant governors of India

  • Freedom fighters of India

  • Formers Vice Presidents of India

  • Current & Former judges of the Supreme Court as well as the High court of India

  • Qualified PIB journalists (Delhi)

  • Police personnel (Delhi)

  • Railway board workers

  • Pensioners and workers of selective autonomous organizations (Delhi)

To avail the CHGS Scheme, every individual must meet specific eligibility criteria. An employee who belongs to the following categories mentioned below can enroll for the CGHS Scheme:

CGHS Eligibility Criterion

  • Employees who acquire wages from the Central civil estimates

  • Beneficiaries of the family members who receive wages from Central civil estimates

  • Dependents of those families who reside in the areas covered under the CGHS health scheme

  • Pensioners of the central government

  • Parliament members

  • Former Vice presidents

  • Formers and lieutenant governors

  • Current or retired judges of the supreme court and the high court

  • Post and telegraph department employees

  • Delhi police personnel

  • Freedom fighters

  • Press Information Bureau journalists

  • Railway board employees

There are multiple facilities offered under the Central Government Health Scheme for the betterment of the employees. Take a look at the following facilities provided by the central health scheme mentioned below:

Cost Details of CGHS Facilities

The cost of CGHS is different depending on your employment status. Here’s how it is classified.

  • For Pensioners: If a pensioner wants to avail the CGHS facilities, they will have to make a contribution as per the pay grade that they received when in service. This contribution can be annually or as a one-time contribution.

    • Annual Contribution: Here, a specific amount (depending on your pay grade) is contributed towards the CGHS facility.

    • One Time Contribution: Here, the contribution is made only once towards the CGHS for 10 years. The amount contributed will be considered as a lifetime contribution.

  • For Serving Government Employees: If you are a central government employee and serving in CGHS covered location, then you can take a CGHS card. Your department will make monthly deductions from your salary (depending on your pay grade) and contribute it to the CGHS facilities.

CGHS Rate List

CGHS Treatment Procedure/

Investigation List

Rates For


Rates For


Consultation OPD



Consultation- for Inpatients



Dressings of wounds



Suturing of wounds with local anesthesia



Aspiration Plural Effusion – Diagnostic



Aspiration Plural Effusion – Therapeutic



Abdominal Aspiration – Diagnostic



Abdominal Aspiration - Therapeutic



Pericardial Aspiration



Joints Aspiration



Biopsy Skin



Removal of Stitches






Phimosis Under LA



Sternal puncture



Injection for Hemorrhoids



7 Injection for Varicose Veins



Dilatation of Urethra



Incision & Drainage



Intercostal Drainage



Peritoneal Dialysis



Facilities Offered Under CGHS

  • OPD treatment and medication costs

  • Consultation at the government or polyclinic hospitals

  • Indoor treatment at government or empanelled hospitals

  • Investigations at government or empanelled hospitals

  • Cashless facilities

  • Reimbursement for treatments, purchase of products like hearing aids, artificial limbs, and so on

Applicable Cities under CGHS









Delhi NCR



















Contribution towards CGHS

Private hospital wards that are empanelled under CGHS are available based on your (each individual’s) pay grade. The ward entitlement under CGHS is as follows -

Ward Entitlement

Corresponding Monthly Basic Pay Drawn by the Officer in 7th CPC

General Ward

Up to INR 47,600

Semi-Private Ward

INR 47,601 to INR 63,100

Private Ward

INR 63,101 and above

Revised Monthly Subscription for CGHS Facility

Corresponding Levels in Pay Matrix as per 7th CPS

Contribution per Month

Level 1-5

INR 250

Level 6

INR 450

Level 7-11

INR 650

Level 12 and above

INR 1000

Treatments Not Covered Under CGHS

You cannot address the follow-up and in-patient treatments in case of -

  1. A declared emergency. You can avail the treatment at any hospital, but the reimbursement can only be done at the Additional General where the CGHS card is registered.

  2. Reimbursement of medical bills. You can avail treatment at any hospital, but the claim amount is limited to the rates mentioned under the CGHS. Again, the claim needs to be done at the Additional General, where the CGHS card is registered.

What is The Application Process of The CGHS Scheme?

Follow the steps given below to apply for a CGHS Scheme:

  • Log in to the online portal

  • Submit an application form

The CGHS application form is available on the official website of the Central Government. One can avail it from any of the authorized wellness centers run by the Central Government of India.

The government has also launched the Ayushman Bharat Yojana to make health and wellness centres (HWCs) accessible to the underprivileged segments of the society. For Ayushman Bharat Yojana registration and eligibility check, you can head to the official PMJAY website.

CGHS Appointment Process Online

To book an online appointment, follow the steps below -

  1. Visit the CGHS portal

  2. Enter your ID (beneficiary ID) and Generate OTP (One-Time Password)

  3. Enter the OTP you receive on the registered mobile number and select ‘Proceed’

  4. Here, your (the beneficiary’s) details will be displayed. Proceed in case the details shown are correct or select ‘Not You’. If you select the ‘Not You’ option, you will have to login again to proceed.

  5. If the details shown are accurate, the next page allows you to choose Specialty, Dispensary, and Doctor. Click on ‘Proceed’ after doing the needful.

  6. Here, a calendar will be displayed for you to choose the date of your appointment according to the availability of the selected doctor.

  7. After choosing your appointment date, the screen will display slot timings and available appointments. Choose your desired slot timing.

  8. Select ‘Proceed to Book Appointment’. Know that you can always go back and make the necessary changes by choosing the ‘Change the Specialty’.

  9. Upon proceeding to book an appointment, your details, along with the summary of your appointment, will be displayed upon the screen for confirmation.

  10. Choose ‘Confirm to Book Appointment’ and a confirmation status will appear in no time. This confirmation receipt can be printed, or another appointment can be booked (if necessary). The system will also send a confirmation SMS to your registered contact number.

What is a CGHS Card?

A CGHS card is a plastic card provided to each employee by the Indian Government. It consists of a photo ID and a beneficiary ID number. When an employee presents the CGHS card, he receives the benefits of the scheme. The employees need to report to the police station and CGHS authorities in case they lose the card. In order to obtain a duplicate card, the employee needs to submit a copy of the FIR, application form, and a penalty of Rs. 50.

The CGHS card is white, having a coloured stripe at the top. This strip can be of any of the following colours and depicts the status of the cardholder:

  1. Red – Is a member of the parliament.
  2. Blue – Is a serving government employee.
  3. Green – Is a freedom fighter, pensioner, retired personnel, or an ex-MP.
  4. Yellow – Is a journalist and beneficiary of an autonomous company.

Features of the CGHS Card

Here are the salient features of the CGHS card.

  • After the CGHS card expires, it needs to be surrendered to the concerned department. In case of renewal, a form and necessary details should be submitted.
  • The CGHS card cannot be transferred from one employee to another.
  • Misusing the CGHS card will attract penalties and disciplinary actions (in extreme cases).

How to get a CGHS Card?

People who are eligible under CGHS have to submit an application form available on the www.cghs.nic.in or www.cghs.gov.in websites. The application form is available at the wellness centres as well.

Documents Required for CGHS Card

Based on the applicant’s status, the following documents are required along with a duly filled application form.


Documents Required

For Serving Employees

●     Proof of residency

●     Age proof of the dependent

●     Proof of stay of the dependent

●     Disablement certificate from a valid authority in case the dependent is abled

For Pensioners

●     Copies of PPO/Provisional PPO/Last Pay Certificate

●     Demand Draft

What is the Validity of the CGHS Card?

For serving employees, the CGHS card is valid until the day of their retirement. However, to extend/continue the validity of the CGHS card after retirement, a contribution has to be made a year prior to the completion year. Note that the CGHS card is valid in application cities only.


To sum up, CGHS offers its applicants with a comprehensive coverage beneficial for them in the long run. CGHS is beneficial for every citizen, whether you are a Central government employee or a pensioner due to the financial assistance and quality services. Moreover, the security of your dependents offers you peace of mind.

Also, read about the PMJAY scheme, which is a game-changer in the public health care sector. This is an initiative by the Government of India to make medical facilities accessible to all citizens of the country.

Best Health Insurance Plans Available at Finserv MARKETS

Manage all Queries related to CGHS here

  • ✔️What is the application process of the CGHS Scheme?

    Follow the steps given below to apply for a CGHS Scheme:

    1. Log in to the online portal.
    2. Submit an application form The application form is available on the official website of the Central Government. One can avail it from any of the authorised wellness centers run by the Central Government of India.
    3. Submit the required documents.
  • ✔️Can you add or delete names in the CGHS card?


    ●     In case the employee gets married or has a child, they can get their spouse/child added by submitting the endorsed form.

    ●     If the cardholder dies, the CGHS card becomes invalid, and the dependent has to apply for a new card by attaching the old CGHS card and death certificate of the previous dependent. 

  • ✔️Is there any age limit for sons/daughters as dependent on the CGHS card?

    Under the central government health scheme, the sons and the daughters are eligible to obtain the CGHS benefits. However, the age limit for them is different.

    ●     The son is eligible to avail CGHS facilities till he starts earning or gets married. In case he suffers from permanent disability, he is eligible to avail the benefits even after crossing 25 years of age.

    ●     The daughter can avail the CGHS benefits until she starts earning, irrespective of the age.

  • ✔️Can step-children avail the facilities under CGHS?

    Yes. Step-children, when enlisted as dependents, can avail the facilities under CGHS.

  • ✔️How long does it take to get the CGHS card?

    Usually, the employee gets a computerised printout of the card on the same day they submit the application However, it takes up to 3-4 weeks to get the plastic card made and delivered.

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