Healthcare is important for all citizens of the country. The four pillars of a democratic set up are also important when it comes to running the country, namely Legislature, Judiciary, Executive and Press who may take up the CGHS Central Government Health Scheme.The citizens who are employees of the Central Government have worked directly for the development and progress of the country. They deserve to have a scheme of their own that benefits them for the services they have provided to the nation. CGHS Scheme is a health scheme which aims to provide adequate and good quality healthcare to the employees and pensioners of the Central Government that are enrolled under this scheme and attain its benefits. The Central Govt Health Scheme (CGHS scheme) covers health care under different systems of medicine which range from allopathy and homeopathy to Ayurveda, Unani, Siddha, and Yoga.

What Is The Importance Of The Central Government Health Scheme (CGHS Scheme)?

Central Government Health Scheme (CGHS) - Central Govt Health Scheme
Central Government Health Scheme (CGHS)

Healthcare schemes like the Central Govt Health Insurance Scheme allow people to have a better experience when it comes to healthcare. People, on CGHS eligibility may be able to attain different healthcare benefits alongside financial benefits as well as other types of benefits that make the process of receiving adequate treatments for their medical issues and circumstances much more smooth. In terms of the Central Govt Health Scheme (CGHS scheme) and CGHS benefits, employees and pensioners of the Central Government receive its benefits with ease through the CGHS card. When their health is assured, there will not be any shortfalls when it comes to the smooth working of some of the most important and vital roles of these employees who work for the Government.

What Is The Eligibility For The Central Government Health Scheme?

CGHS eligibility is an important area to be acquainted with when it comes to this scheme. CGHS or CGHS Central Government Health Scheme aims to fulfill healthcare needs of beneficiaries of persons from the Legislature, Judiciary, Executive, Press and has a huge beneficiary base as these categories of persons cover a large number of people who are employees of the Central Government. Central government employees who obtain any remuneration from Central Civil Estimates are eligible for this scheme. The family members of government employees can also be recipients of the benefits of this scheme when it comes to CGHS eligibility. In order to know more, search ‘CGHS online apply’ on any search engine.

Who Are The Beneficiaries Of The Central Government Health Scheme (CGHS Scheme)?

There are different beneficiaries of the Central Government Health Scheme (CGHS). This includes the present employees of the Central Government as well as their dependent family members that reside in CGHS covered areas. Alongside the people who are present employees of the Central Government are included Former and existing members of the Indian Parliament, Former Vice Presidents of India, Freedom Fighters of India, Former governors & Lieutenant governors of India, Former and existing Judges of Supreme Court & High Courts of India, Journalists qualified with PIB (only Delhi), Police Personnel (only Delhi), Railway Board workers, Workers and Pensioners of Delhi’s selected autonomous organizations. The Beneficiary Identification System (BIS) allows for the identification, verification as well as validation of the CGHS beneficiaries (Pensioners and their dependents).

How To Obtain A CGHS Card?

One may wish to obtain a CGHS Central Government Health Scheme or CGHS card which shows that they are a beneficiary of the Central Govt Health Scheme (CGHS scheme). Eligible employees of the Central Government of India and the Central Govt Health Scheme may be able to initially submit an application form that is provided online. This application form is available on the sites – cghs.nic.in and cghs.gov.in. This form is needed to apply for the Central Govt Health Scheme (CGHS scheme) and is available at particular wellness centers. There may be a different process for application based on the employee status of the Central Government employee when it comes to applying for the Central Govt Health Scheme (CGHS scheme).

Application Process For Serving Employees

Serving employees are employees who are still working for the Central Government and have not yet concluded their period of work. These employees may make an application for the Central Govt Health Insurance Scheme. For serving employees who are currently working for the Central Government, alongside the application form they may submit documents of proof of residence, age proof of the dependent, proof of stay of the dependent. If the person that is a dependent is abled differently, a competent authority may need to produce a disability certificate for them. In order to know more, search ‘CGHS online apply’ on any search engine.

Application Process For Pensioners

When making an application for a pensioner for the Central Government Health Insurance Scheme , it is important to pay attention to the CGHS rules for pensioners. Pensioners are those people that have concluded their period of work and receive some amount of regular payment to be able to sustain their life and lifestyle post work when they are not currently earning. For persons that are pensioners, keeping in mind the CGHS or CGHS rules for pensioners, they may produce attested copies of PPO/Provisional PPO/Last Pay Certificate, demand draft payable at “PAO CGHS New Delhi”, and the application form duly filled should all be submitted to the necessary authority to complete the application process for the Central Govt Health Scheme (CGHS scheme). In order to know more, search ‘CGHS online apply’ on any search engine and check out the official CGHS website.

Application Process For Person Who Is Still In Service

If a person is still in service and is currently serving at an organization that is associated with the Central Government, they may be able to apply for his or her pensioner CGHS or CGHS Central Government Health Scheme card while still serving. The pensioner card may only be issued when the person retires but they may still be able to make the application for it. The employee, in order to do this must forward their application alongside enclosures as well as the demand draft through his or her organization. In order to know more, search ‘CGHS online apply’ on any search engine.

Till When Is The CGHS Card Valid?

The CGHS or CGHS Central Government Health Scheme card that a Central Government employee may be able to use is valid till the day he or she retires. There are also annual contribution pensioner cards that may be given to certain eligible individuals. In order to keep these valid, the contribution that is made has to be made a year before the completion year. One may note that while all Central Government employees may be eligible to have a CGHS card and to take up the Central Government Health Scheme (CGHS Scheme), the CGHS card itself may only be used and is only valid in CGHS scheme cities. For those who are considered eligible pensioners and reside outside areas regarded as CGHS areas, they may obtain a CGHS card from a CGHS city that is close to the place of residence at regular intervals.

Time Required To Get CGHS Card

When the application is made for the Central Government Health Scheme (CGHS Scheme), an index card may be printed on that very day when the application is made. Plastic cards may take about three weeks to be issued and sent to their respective cardholders at their place of residence as a more permanent card for the Central Govt Health Scheme (CGHS scheme).

What Are The Benefits Derived From The Central Government Health Scheme?

There are several benefits that the eligible persons may derive from the Central Government Health Scheme (CGHS Scheme). A great plus when it comes to the scheme and the CGHS benefits is that cashless treatment is offered in order to cover treatment at different types of health facilities in the country. This may involve empanelled hospitals and diagnostic centers, out-patient treatment including issue of medicines, Indoor treatment at government and empanelled hospitals, specialist consultation at polyclinic/govt. hospitals, family welfare services, maternity and child health services, investigations done at government and empanelled diagnostic centers, reimbursement of expenses for treatment availed in govt./private hospitals in case of emergency, reimbursement of expenses incurred due to artificial limbs, hearing aids, appliances and more, a medical consultation and dispensing of medicines in AYUSH (Ayurveda, Homeopathy, Unani and Siddha) system of medicines through the CGHS Health Scheme or the Central Govt Health Insurance Scheme .

Treatments That Central Government Health Scheme Does Not Cover

While the Central Govt Medical Scheme has a lot of benefits and covers many types of treatment, there are also certain treatments that are regarded as exclusions to the Central Government Health Scheme (CGHS Scheme) and are not covered by it. These treatments that the CGHS Scheme does not cover are emergencies that are declared as well as repayment for medical bills. In terms of a declared emergency, the treatment may be carried out at any hospital but the submission of the reimbursement claim can only be done to the Additional General having the registry of the CGHS health card. In terms of repayment of medical bills, the treatment for the particular medical emergency may happen at any hospital. In this kind of situation, there may be a limit on claim amount, according to the rates of the scheme. The submission of the particular reimbursement claim can only be done to the Additional General at the place where the CGHS health card is registered for that particular person.

What Are The Components Of The Central Government Health Scheme?

Components of the Central Government Health Scheme (CGHS scheme) are dispensary services which include domiciliary care, F. W. & M.C.H. Services, specialists’ consultation facilities both at dispensary, polyclinic and hospital, Level including X-Ray, ECG and Laboratory Examinations, hospitalization, organization for the purchase, storage, distribution and supply of medicines and other requirements, health Education to beneficiaries. These are all important components that could make a positive change in the life of the patient that is also a Central Government employee as well as as well as their dependent family members who may benefit from the CGHS Health Scheme.

History Of The Central Government Health Scheme

The Central Government Health Scheme (CGHS scheme) is a welfare scheme with certain benefits to Central Government employees, retired Central Government employees or their dependents. The CGHS scheme and various CGHS benefits were introduced by the Government of India under the Ministry of Health and Family welfare in Delhi on 1st July in the year 1954. This scheme is available in many cities in India. People who reside outside these locations and would want to avail the CGHS scheme if they are eligible for it, can avail them by traveling to these cities or when they travel to them. The Central Government Health Scheme (CGHS scheme) has expanded in the decades since it was initiated and has served several beneficiaries. The model of healthcare delivery through the scheme is unique because of the huge number of people that are covered by this scheme and benefit from it, as well as the open-ended approach in providing healthcare to the beneficiaries and patients. The Central Government Health Scheme (CGHS scheme) is one of the oldest health insurance schemes that has been initiated by the Government of India that is still in effect.

Conclusion

Healthcare schemes like the Central Government Medical Insurance Scheme are crucial when it comes to aiding those in need and those who serve the country and help in its development in issues related to health care. When we look at the scheme, we see that some of the most vital employees who work for the Central Government, part of the four pillars in a democratic system of government which are The Legislature, The Executive, The Judiciary and the Press which covers over 30 lakh beneficiaries in 66 different cities to the Four Pillars of India’s democratic setup are assured that their healthcare needs will be taken care of4. This aids in not only in keeping the health of the beneficiaries of the scheme up to the mark but also ensures that the development of the country and steady working of the country is ensured by maintaining the health and productivity of those who work for the betterment and progress of the country.

On another note, critical health treatments can be expensive and covering expenses might get difficult with just government-funded schemes. Crowdfunding in India and crowdsourcing is something that is growing in popularity and can be an excellent means to get funds for your treatments.