7th Pay Commission CGEGIS: CGEGIS Table, Subscription Rates, Deductions, and Calculator

Central Government Employees Group Insurance Scheme (CGEGIS) is a wholly contributory and self-financing scheme. The scheme provides twin benefits of an insurance cover to help the families of the Central Government employees in the event of death (including suicide) of the employees while in service and a lump sum payment to the employee. In case of a missing employee insurance cover will be paid after the expiry of a period of seven years.

Year of Cessation of Membership 2022
Contribution Rs.10	Rs.
Contribution Rs.10 and 15	Rs.

[Note: All the figures are based on the table] [The above tool shows the maturity value as per the latest benefit table for October to December 2021]

Central Government Employees Group Insurance Scheme (CGEGIS) is one of the savings with a secure plan for all groups of Central Government Employees. The scheme is mandatory and if an employee dies in service, the amount of insurance coverage is provided to the nominee of the employee. CGEGIS is intended to provide for the Central Government employees, at a meager amount and on a wholly contributory and self-financing basis, the double benefits of an insurance cover to help their families in the event of a death in service and a lump-sum payment to augment their resources on retirement.

The maturity amount of savings fund in the CGEGIS Scheme is calculated based on the latest benefits table issued by the Finance Ministry. Every three months (January to March, April to June, July to September, and October to December) the Department of Expenditure issued a table of benefits of savings fund in the scheme. According to the table of benefits, the exact maturity amount is granted to the employee at the time of retirement. Click to calculate through our exclusive online free tool given on the webpage.

Subsequent to the implementation of the 3rd CPC recommendations, Central Government Employees Group Insurance Scheme (CGEGIS) was notified in 1980 and came into force w.e.f. 1 January 1982.

The scheme serves the twin objectives of (a) providing a lump-sum amount to the families in case of an employee’s death and (b) a lump-sum payment to the employee on cessation of employment, both on a wholly contributory and self-financing basis.

CGEGIS Subscription Rates after 7th Pay Commission: CGEGIS Contribution rates as per the classification of posts A, B, C, and D (Group D is abolished). The old subscription rates only continued for all Central Govt employees. The Govt not yet decided and published new revised rates of subscription for CGEGIS. The old subscription rate table is given below:

The monthly subscription for the pay matrix levels 1 to 5 is Rs. 30,  the pay matrix level 6 to 9 is Rs. 60, and the pay matrix level 10 and above is Rs. 120..

CGEGIS comprises a Savings Fund and an Insurance Fund in the ratio of 70:30. The present rates of deduction, insured amount, and savings units are as follows:

Table 1: Present Rates of CGEGIS

Recently the IRTSA demanded to revise the coverage and monthly subscription as per the recommendations of the 110th report on CPENGRAMS. [Click here to read more]

The Commission has received numerous representations from various stakeholders stating that the Monthly Deduction, as well as the Insurance Amount, have remained unchanged since 1990. In the present context, they are too low and should be increased.

As a logical comparator, the Commission considered the rates under Army Group Insurance Fund (AGIF), which have become applicable w.e.f. 01.09.2013. These are as follows:

The Commission also took into view the fact that the pay of Defence personnel is by and large higher than that of Civilian employees of a comparable level. Hence, with suitable modifications for Civilian employees, the following rates of CGEGIS are recommended:

The Commission also took note of the fact that the Tables of Benefits published by the Ministry of Finance are based on the mortality rate of 3.75 per thousand per annum up to 31.12.1987 and 3.60 per thousand per annum thereafter. In its report (brought out in January 1997), the V CPC pointed out that the mortality rate, life expectancy, and health delivery systems have improved over a period of time.

They had highlighted the need “for a detailed review of the current mortality rates with a view to revising the apportionment between the Savings and Insurance Funds.” Since it was likely to take some time, they had recommended a ratio of Savings Fund to Insurance Fund of 75:25, with “appropriate machinery for a periodical review of the mortality rates and adjustment of the apportionment ratio.” All three factors viz., mortality rate, life expectancy, and health delivery systems have further improved over the course of nearly twenty years following the V CPC recommendations.

Accordingly, this Commission recommends that the ratio of Savings Fund to Insurance Fund be modified from the present 70:30 to 75:25, as an interim measure, pending a detailed review. It is also recommended that periodical reviews of mortality rates should be undertaken for suitable adjustment of the apportionment ratio. The Tables of Benefits may be modified accordingly.

The Central Government has not agreed with the recommendations on CGEGIS. Even though the recommendation is highlighted the huge amount of insurance coverage for Central Govt employees (Rs. 15 to 50 lakhs), the subscription rates are too high!

As soon as possible, the Govt will introduce an updated scheme for all groups (a b c group) of CG employees.

A portion of monthly contributions paid while in service is credited in a Saving Fund, on which interest accrues. A Government servant while entering service has to apply in Form No. 4 of the above Scheme to the Head of Office, who shall issue a sanction for the payment of the subscriber’s accumulation in the Savings Fund segment together with interest and arrange for its disbursement, soon after retirement. Payments under this Scheme are made in accordance with the Table of Benefits (as issued by the Department of Expenditure) which takes into account interest up to the date of cessation of service. Insurance cover benefit under this Scheme is available to the family in the event of the death of the subscriber.

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