CGHS : Comprehensive Guide to Central Government Health Scheme - Benefits, Coverage, and How to Use
The Central Government Health Scheme (CGHS) is a healthcare
scheme provided by the Indian Government for its employees and pensioners. The
scheme aims to provide comprehensive healthcare services to Central Government
employees, pensioners, and their dependents in selected cities across India. In
this article, we will discuss the benefits of the CGHS scheme, how to use it, and
its importance.
Benefits of CGHS
- Comprehensive
healthcare coverage: The CGHS scheme provides comprehensive healthcare
coverage to Central Government employees, pensioners, and their dependents. The
scheme covers medical consultation, diagnostic tests, medicines,
hospitalization, and other medical expenses.
- Cashless
hospitalization: CGHS beneficiaries can avail of cashless hospitalization
in selected hospitals empanelled under the scheme. This means that
beneficiaries can avail of medical treatment without paying cash upfront.
- No limit
on hospital expenses: There is no limit on the hospital expenses covered
under the CGHS scheme. The scheme covers all expenses incurred during
hospitalization, including room charges, doctor's fees, and medical procedures.
- Affordable
healthcare: The CGHS scheme provides affordable healthcare services to
beneficiaries. The scheme covers the cost of medical treatment, which is much
lower than the market rate.
How to Use CGHS
- Enrolment:
To avail of CGHS benefits, employees and pensioners need to enroll in the
scheme. They need to submit their application form along with the required
documents to the CGHS office in their respective city.
- CGHS card:
Once the application is approved, beneficiaries will receive a CGHS card. The
card contains the name of the beneficiary, their photograph, and the card
validity period.
- Hospitalization:
If a beneficiary needs hospitalization, they need to visit an empanelled
hospital and show their CGHS card. The hospital will verify the card and
provide cashless hospitalization as per the scheme guidelines.
- Medicines
and diagnostic tests: Beneficiaries can avail of medicines and diagnostic
tests from CGHS dispensaries or empanelled private clinics. They need to show
their CGHS card to avail of the services.
Check List of CGHS Hospital List
Importance of CGHS
The CGHS scheme is crucial for Central Government employees
and pensioners as it provides them with affordable and comprehensive healthcare
coverage. The scheme helps beneficiaries manage their medical expenses, and
they can avail of cashless hospitalization in empanelled hospitals. The scheme
ensures that beneficiaries receive quality healthcare services at a lower cost.
The Central Government Health Scheme is a comprehensive
healthcare scheme for Central Government employees, pensioners, and their
dependents. The scheme provides cashless hospitalization, affordable
healthcare, and comprehensive coverage for medical expenses. The scheme is easy
to use, and beneficiaries need to enroll and obtain a CGHS card to avail of its
benefits. The scheme is essential for Central Government employees and
pensioners, and they should take advantage of it to manage their healthcare
needs.