The Central Government Health Scheme (CGHS) provides comprehensive healthcare facilities to the employees of the Central Government of India, as well as their dependents. This initiative aims to provide medical care through a wide network of clinics and hospitals. Here is a detailed look at the scheme, its benefits, and how it serves its beneficiaries.
Overview of CGHS
Established in 1954, CGHS is one of the oldest health schemes for government employees in India. It covers all central government employees and pensioners along with their dependents, which includes spouses, dependent children, and dependent parents. The scheme is operational across India providing comprehensive healthcare services through dispensaries and panel hospitals.
Services Offered by CGHS
CGHS provides a range of services to its beneficiaries, which include:
- Outpatient Medical Care: Services are available through a network of wellness centers and dispensaries.
- Hospitalization Treatment: Coverage includes hospitalization as well as treatment in approved hospitals and diagnostic centers on referral.
- Dispensing of Medicines: Medicines are provided free of cost from CGHS dispensaries for up to three months for chronic ailments.
- Dental and Eye Care: Dental and eye care services are available at designated centers.
- Emergency Services: Provision for emergency care in CGHS empaneled hospitals, available 24/7.
Eligibility and Coverage
CGHS coverage is available to:
- All central government employees paid from the Civil Estimates (except railway and defence personnel).
- Pensioners of central government (including pensioners from defence services) residing in CGHS covered cities.
- Dependents of these employees and pensioners, as defined in the scheme’s guidelines.
Benefits of CGHS
CGHS is designed to facilitate comprehensive medical care to its beneficiaries. Some of the key benefits include:
- Simplified Access to Healthcare: Beneficiaries can access healthcare services from a wide network of wellness centers.
- Affordable Treatment: The scheme offers treatments at significantly lower costs compared to the private sector.
- Cashless Facility: CGHS provides cashless treatments in empaneled hospitals which is a major relief during medical emergencies.
CGHS continues to be a cornerstone in ensuring the health and well-being of central government employees and their families. With its wide coverage and array of services, it provides vital support to its beneficiaries, ensuring they receive adequate medical care without significant financial burden.
