CGHS Beneficiary Card — Central Govt Employees Eligibility aur Benefits Guide 2026
CGHS coverage
centre (cashless)
dependents covered
lifetime eligible
- Central government employees (all groups) in covered cities
- Central government pensioners (lifetime benefit)
- MPs, ex-MPs (separate scheme)
- Certain autonomous body employees
- Freedom fighters (special category)
| Pay Level | Monthly Subscription |
|---|---|
| Level 1–5 (Basic ≤ ₹29,200) | ₹250/month |
| Level 6–8 (Basic ₹35,400–₹47,600) | ₹450/month |
| Level 9–11 (Basic ₹53,100–₹67,700) | ₹650/month |
| Level 12–13 (Basic ₹78,800–₹1,23,100) | ₹1,000/month |
| Level 14 and above | ₹1,200/month |
CGHS Kya Hai?
Central Government Health Scheme (CGHS) central government employees aur pensioners ke liye comprehensive medical care scheme hai — Ministry of Health & Family Welfare run karta hai. 1954 mein launch hua, aaj 75+ cities mein active hai jahan Wellness Centres (pehle Dispensaries kehte the) hain.
CGHS ek cashless healthcare system hai — CGHS Wellness Centre par OPD free hai, aur empanelled private hospitals mein cashless hospitalization ho sakta hai. Yeh private employees ke ESIC jaisa hai — lekin coverage aur network typically ESIC se better hota hai.
CGHS Card Kaise Banate Hain?
Naye employee ke liye CGHS card banane ke steps:
- CGHS portal par register karo: cghs.gov.in ya cghs.nic.in — online registration
- Employer verification: DDO (Drawing and Disbursing Officer) se application verify karwao — confirmation letter ki zaroorat hogi
- Family details add karo: Spouse, children (up to 25 years), parents (agar dependent hain) — Aadhaar, marriage certificate, birth certificates submit karo
- Photo upload: CGHS card mein photo hoti hai — passport size photo required
- Subscription deduct hoga: Monthly salary se automatic deduction shuru ho jaata hai
- Plastic CGHS card milega: Registered address par ya CGHS office se collect karo
CGHS Wellness Centre — OPD Services
CGHS Wellness Centre par in services free/subsidised milti hain:
- Doctor consultation: General physician — free, without appointment (queue-based)
- Medicines: Prescribed medicines CGHS dispensary se free milti hain — generic brand
- Basic lab tests: Blood test, urine test, X-ray — free at wellness centre ya affiliated lab
- Specialist referral: CGHS doctor specialist ke paas refer karta hai — empanelled hospital ya CGHS polyclinic
- Emergency: Emergency mein directly empanelled hospital mein jaao — CGHS card dikhao
Empanelled Hospitals — Cashless IPD
CGHS ne 700+ private hospitals, diagnostic centres, dental clinics, eye hospitals empanel kiye hain. In mein admission cashless hoti hai — sirf CGHS card dikhana hoga aur pre-authorization form submit karna hoga.
NABH-accredited hospitals mein cashless direct admission hoti hai. Non-accredited hospitals mein reimbursement route lena pad sakta hai kuch cases mein.
Pensioners Ke Liye CGHS
Retirement ke baad bhi CGHS jeevan bhar milti hai — pensioners ko CGHS pensioner card milta hai. Subscription rate alag hoti hai — typically fixed ₹250–₹1,000/month pension se kat jaata hai.
Agar aap CGHS covered city mein retire karte hain — continuity automatic hai. Transfer ya shifting ke liye nearest CGHS office mein intimation deni hogi.
CGHS City List — Kaun Si Cities Covered Hain?
Major CGHS cities mein hain: Delhi NCR, Mumbai, Kolkata, Chennai, Hyderabad, Bangalore, Pune, Ahmedabad, Lucknow, Jaipur, Chandigarh, Bhopal, Patna, Bhubaneswar, Kochi aur 60+ other cities. Complete updated list CGHS portal par milti hai.
CGHS Card Ya Medical Benefits Samajhne Hain?
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