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CGHS | CGHS Online Appointment | CGHS Login | CGHS NIC IN

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Central Government Health Scheme for Central Government Employees and Pensioners

CGHS Empanelled Hospitals in India PDF Download
CGHS Latest Package Rate PDF Download
CGHS Subscription and Ward Entitlement PDF

Central Government Health Scheme is providing absolute medical facilities to the Central Government employees and pensioners registered under the scheme. CGHS is the model Health care facility provider for Central Government employees & Pensioners and is unique of its kind due to the large volume of the beneficiary base, and open ended generous approach to providing health care. Presently approximately 41 lakh beneficiaries are covered by CGHS in 75 cities all over India and the endeavor is to include more cities to improve the accessibility of the services. CGHS provides health care through the following systems of Medicine. Allopathic, Homoeopathic, the Indian system of medicine, Ayurveda, Unani, Siddha, and Yoga.

Facilities Available under CGHS Beneficiaries

  • OPD Treatment at WCs includes issues with medicines.
  • Specialist Consultation at Polyclinic/Govt. Hospitals and at CGHS empanelled hospitals after referral by CGHS.
  • OPD/ Indoor treatment at Government and empanelled Hospitals.
  • Investigations at Government and empanelled Diagnostic centers.
  • A cashless facility is available for treatment in empanelled hospitals and diagnostic centers for Pensioners and other identified beneficiaries.
  • Reimbursement of expenses for treatment availed in Govt. /Private Hospitals under emergency and specific treatment advised by Govt. Specialist or Specialist of Pvt. HCOs duly endorsed by CMO/MO of WCs.
  • Reimbursement of expenses incurred for purchase of hearing aids, artificial limbs, appliances etc., after obtaining permission.
  • Family Welfare, Maternity, and Child Health Services.
  • Medical consultation. Dispensing of medicines in Ayurveda, Homeopathy, Unani and Siddha systems of medicines (AYUSH)

List of 74 CGHS Cities in India

1 Agartala
2 Agra
3 Ahmedabad
4 Aizwal
5 Ajmer
6 Aligarh
7 Allahabad (Prayagraj)
8 Ambala
9 Amritsar
10 Baghpat
11 Bengaluru
12 Bareilly
13 Berhampur
14 Bhopal
15 Bhubaneshwar
16 Chandigarh
17 Chennai
18 Chhapra
19 Cuttack
20 Darbhanga
21 Dhanbad
22 Dehradun
23 Delhi & NCR: Delhi, Faridabad, Ghaziabad, Greater Noida, Noida, Gurgaon, Indirapuram, Sahibabad
24 Dibrugarh
25 Gandhinagar
26 Gangtok
27 Gaya
28 Gorakhpur
29 Guwahati
30 Guntur
31 Gwalior
32 Hyderabad
33 Imphal
34 Indore
35 Jabalpur
36 Jaipur
37 Jalandhar
38 Jammu
39 Jodhpur
40 Kannur
41 Kanpur
42 Kohima
43 Kolkata
44 Kochi
45 Kota
46 Kozhikode
47 Lucknow
48 Meerut
49 Moradabad
50 Mumbai
51 Muzafferpur
52 Nagpur
53 Nellore
54 Panaji
55 Patna
56 Puducherry
57 Pune
58 Raipur
59 Ranchi
60 Rajahmundry
61 Saharanpur
62 Shillong
63 Shimla
64 Silchar
65 Siliguri
66 Sonepat
67 Srinagar
68 Thiruvananthapuram
69 Varanasi (Benaras)
70 Tiruchirapalli (Trichy)
71 Tirunelveli
72 Vadodara
73 Vijayawada
74 Vishakhapatnam

Click to view more about CGHS Cities

CGHS Wellness Centre Timings, Registration, and Holidays

Wellness Centers are open from 7:30 AM to 2:00 PM on all working days except emergency services wherever applicable. Emergency services are available in the following 4 identified WCs in Delhi. South Avenue, North Avenue, Zakir Hussain Road

Timings of WCs with emergency services are as follows:

  • WC timing 7:30 AM to 1:30 PM
  • Limited Emergency services from 1:30 PM to 7:30 AM

The Wellness Centres remain closed on all Central Govt. holidays. However, in case of three consecutive holidays occurring together, Wellness Centres will not be closed for more than 2 consecutive days.

Registration Timings: The registration is stopped 15 minutes before the scheduled closing time of the dispensary. However, no serious patient is left unattended from the WC. There are also nine First Aid Posts (FAP) at the following locations in Delhi. The registration of the beneficiaries is done online. This registration is either self-registration (seeking a prior appointment) or walk-in registration (coming to the Wellness center and getting registered at the Registration Counter). Registration starts at the opening of the Centre and is stopped 15 minutes before the scheduled closing time of the Centre. However, no serious patient returned back unattended.

Online Appointment (Self Registration): Online appointment with the Medical Officer of the Wellness Centre or with a Specialist who visits a particular Wellness Center can be booked by visiting CGHS portal cghs.nic.in through the link Book Appointment. The steps for booking an online appointment (Self Registration) are as follows:

  1. Visit the website cghs.nic.in.
  2. Click on the option Book Appointment available on the RHS of the screen
  3. Enter beneficiary ID and click on Generate OTP.
  4. An OTP (One Time Password) will be sent on the registered mobile no. of the beneficiary or to the main cardholder mobile if that is the only registered number.
  5. Enter OTP and click on Proceed.
  6. Beneficiary details are displayed on the screen. Click on Proceed button if the details displayed on the screen are correct otherwise click on NOT YOU. In that case login again and proceed as above.
  7. Select Specialty, Dispensary, and Doctor as per your choice and click on Proceed button. A beneficiary can select a GDMO (General Duty Medical Officer) or a Specialist from any of the CGHS wellness centers.
  8. A calendar is displayed to choose a date that has the availability of an appointment for the selected doctor. Select the date for the appointment.
  9. On selecting a date, the top of the screen shows the slot timings and the appointments available. A beneficiary can choose the desired slot.
  10. Click on Proceed to Book Appointment. One can go back and make changes by using the Change the Specialty button.
  11. On clicking the button Proceed to Book Appointment, beneficiary details and the appointment details are displayed on the screen for confirmation.
  12. Click on the option Confirm to Book Appointment, Confirmation status page is displayed. One can print the confirmation slip, or book another appointment. The system would also send an SMS to the registered mobile number.

Appointment for the GDMO can be taken within 72 hours of the date of appointment whereas appointment for the Specialist can be taken within 1 month of the date of appointment. Online appointments cannot be made for the same day or date. (This window period may change depending upon the decisions taken from time to time). Senior Citizens above the age of 75 years can book the appointment by calling the CGHS Helpline no 18002088900 from their registered mobile number.

Contribution for One Time (Single Payment) CGHS Card for Pensioners

LIFETIME CENTRAL GOVERNMENT HEALTH SCHEME (CGHS) CARD

Monthly Subscription in CGHS (Calculation with example)

Pensioners can join the scheme of CGHS on yearly basis also. It should be a full calendar year from January to December. If one joins in the middle of the year, the calculation of subscription is carried out up to the month of December of next year. For example, a pensioner retired at the pay level of 6 and he wants to join the scheme of CGHS for one year from December. To obtain the CGHS card, he has to pay the amount for 13 months of subscription. A total of Rs. 5850 (13 x 450=5850).

Lifetime Subscription in CGHS (Calculation with example)

The lifetime membership registration in CGHS is very simple. Pensioners have to pay the subscription (according to your pay level as per 7th CPC) amount for ten years (120 months) as a one-time payment for a lifetime membership. For example, a pensioner retired at the pay level of 6 and he wants to join the scheme of CGHS for a lifetime membership. To obtain the CGHS card, he has to pay the amount for 120 months of subscription. A total of Rs. 54,000 (120 x 450=54000).

Fees for CGHS Card

Every pensioner has to pay Rs. 30 for his CGHS Master card. The card fee amount will be collected at the time of joining.

CGHS Lifetime Subscription Table

7th Pay Commission Salary Scale  Contribution per month Lifetime Contribution
Pay Level from 1 to 5 Rs. 250 Rs. 30,000
Pay Level for 6 Rs. 450 Rs. 54,000
Pay Level from 7 to 11 Rs. 650 Rs. 78,000
Pay Level 12 & above Rs. 1000 Rs. 1,20,000

CGHS Rates Easy Search – Package Rates for Treatments Procedures and Investigations

LIFE TIME CARD: CGHS Card for Central Government Pensioners – Contribution as above depending on the Last grade pay at the time of retirement. The choice is with the individual. One can apply for a Life time card by paying 10 years’ contribution together or one can apply for one year, two years, etc. by paying for that applicable period.

The Plastic Cards (which are identity cards), would hereinafter be issued with validity till the pensioner beneficiary is entitled to CGHS benefits. In respect of pensioner CGHS beneficiaries, who have paid CGHS contribution for ‘Rest of Life’ CGHS facilities, the Plastic Cards would, hereinafter, be issued for ‘Rest of Life.

The ownership of the CGHS Card can be transferred in the name of the spouse on submission of required documents. No extra payment is to be made, in the case of lifetime cards. However in other cases, one has to pay 10 years subscription for life time card For example, if the spouse had contributed for seven years before he expired, the balance payment for the remaining three years is to be paid for a lifetime card.

CGHS Approved Empanelled Hospital List in India 2023

CGHS Latest News 2023

CGHS Subscription monthly yearly lifetime calculation
CGHS Subscription monthly yearly lifetime calculation

Also Check: Central Government Pay Matrix Table 2022 PDF
Related updates:
    Referral Mechanism by CGHS – Guidelines on referral system in CGHS
    Special Sanction for Reimbursement of OPD Medicines in CGHS
    CGHS has introduced Online Appointment System for CGHS Beneficiaries
    CGHS Empanelled Hospitals Search Tool for all Cities
    CGHS Ahmedabad Hospital Updated List 2018
    Delhi CGHS Hospitals – New list including Dental Clinics & Eye Centres
    Treatment from CGHS Empanelled Hospitals

Comments

  1. Sir I am Central Government Employee I do not have a CGHS card is there any rule in this regard on whether my family will have a medical claim or not

    Reply

    • Consult your ADMINISTRATION office they will deduct the eligible of your basic pay subscription every month and get the nearest place of your resistance CGHS Wellness Center if your area is not covered they will arrange for it.

      Reply

  2. My friend retired in Aug 2004 and he settled in Bareilly, UP. At that time Bareilly was not having CGHS facilities, therefore he didn’t OPT for CGHS CARD . He was getting FMA of ₹1000/- per month, as per 7th pay commission recommendations. He died in Jan2022 and his wife is getting Family Pension. His wife intend to shift to Gurugram, Haryana. Now she is interested in getting CGHS CARD. Please advice how to get it.

    Reply

    • Surrender the FMA and pay the subscription of his husband ‘s last basic pay level multiple by 12 for per year through the CGHS concern authority.

      Reply

  3. I retried in Sep 2017 from central government department. Due to certain pending matters, I am receiving Provisional Pension regularly based on the Provisional Pension Authorisation issued by the concerned pay and accounts officers. I am not receiving any fixed medical allowance. Kindly inform about the rules and procedure for obtaining CGHS card for self and wife in my case( As I am a Provisional Pensioner). I was informed by a pensioner that CGHS card in my case shall be issued for a period of one year and the same has to be got renewed on yearly bases. Kindly apprise with the factual position and rules.

    Reply

    • What they said is correct. You can pay and get one year card it will be renewed every year by paying every year until regular pension gets.

      Reply

  4. Hello Sir,
    My Father was issued this card on the 1st Oct 2020 and unfortunately, he expired in Feb. 2021.
    We had paid the lifetime membership fee of rs 54000, shall we get the balance refund if we are not using this card now.
    Please reply.
    Jyoti Sukhija
    (Daughter)

    Reply

  5. If a pensioner (pay leval six ) has paid CGHS subscription rs.5400 on yearly basis for 4 years. Now apply for life time indoor cghs card for non covering cghs area.How many rupees for life time indoor cghs card paid ?

    Reply

  6. If a pensioner has paid CGHS subscription on yearly basis for 10 years. Whether he is eligible for life time card or not?

    Reply

    • Eligible, but the subscription rates are revised as per the Pay Commission’s basic pension at that time.

      Reply

      • Sir,
        I am serving soldier and due for retirement in Oct, me and my family members are eligible to avai ECHS facilities. My father is also a CG Pensioner and not opted for CGHS . As he is dependent on me we have stopped his FMA for opting ECHS.

        Since he is a CG Pensioner & eligible for CGHS, kindly clarify whether he can be included as dependent for ECHS to avail medical facilities or he has to apply for CGHS card ?

        Reply

        • Your father has to apple CGHS CARD. Since his pension was crossed Rs.9000/- he is not dependent to you. But he has to pay as its pension Matrix Level subscription rates multiplies by 12 for every year.

          Reply

          • Thank you very much for clarification.
            Can we opt for card with 5 years subscription or we have to apply for life time card.

            Reply

  7. I,M Venkateswarlu retired from service on 02-12-2002 at basic pay of Rs 7300/- I have not availed of CGHS as I was residing in a non- CGHS place and presently getting FMA of Rs 1000/- per month. Now I want to change my family to Hyderabad where my daughter was staying and want to avail the facility of CGHS at Hyderabad. Kindly let me know the amount to be paid .

    Reply

    • Yoy have surrender FMA. As per your basic pay you have to pay one year card (250 multiple by 12 )= 3000 or you require life time card 30,000/- at CGHS PAYING AUTHORITIES of your region.

      Reply

  8. Hello sir my father is retired from mes 2018 and he cant apply for cghs card but this he wants happy but no one help correct way iam live in jammu pls help thank u

    Reply

  9. My husband a CGHS employ retired on 31 March 2016,CGHS card he opted was for 5 years which will completed in July.how much amount should be deposited for lifetime card now?

    Reply

    • I retired fm crpf during 2000.Now a cghs centre open in my dist. Kannur, kerala and I like to join in cghs. May I know lifetime contributions of cghs scheme.

      Reply

      • First you have to surrender FMA. You’ve to pay as per your last retirement subscription amount multiply by 12 months for one year period. If required lifetime card for 120months amount.

        Reply

  10. Paid cghs contribution for three years. Now i want lifetime card. Shall i pay for balace seven years for lifetime cghs csrd

    Reply

  11. My father has retired in 2010 from CISF. He has been paid FMA since retirement. His GP was Rs. 4200. Now he want to take CGHS card. He lives in non CGHS covered city. Please suggest the procedure and fee for availing CGHS card.

    Reply

    • He has to write a letter to the nearest PAO Authority mention to surrendering the FMA and pay the subscription of of Rs.450/- p.m. For one year continuation or 10years contribution for Life time Card. as per his pay MATRIX LEVEL.

      Reply

  12. I retired from service in June2019. I have paid lifetime subscription in Dec2019 but could not avail benefit of incometax in FY2019-20. Is it possible to claim benefit in FY2020-21 ?

    Reply

    • You can file Income tax for the F.Y. 2019-20 with penalty. But there’s no benefit (return amount), you can get reduction from Income TAX if already taxed from that amount as per your eligible.

      Reply

  13. Sir I am retired in 2018 from India post from Wardha ( Maharashtra ) being a non CGHS station and I am getting Rs 1000 as fixed medical allowance. Now I wish to join as CGHS beneficiary. Kindly guide as to whether CGHS facility is available for pensioners retiring and residing at non CGHS station. Whether I am eligible for CGHS facility.

    Reply

    • You can get the CGHS facility in NON-CGHS residence area for that you have to surrender the Fixed Medical Allowance and get the certificate and pay for. required as per your last basic pay matrix level of subscription amount multiple by 12 months if required for one year. or required Life time Card for 120 months of subscription amount.

      Reply

  14. The retired person paid in July 2019 the amount of Rs.1.20lakhs for lifetime CGHS plastic card and is there any Income Tax rebate can she claim as Income tax rebate under Sec80D

    Reply

  15. My father retired from cossipore gun and shell factory on april 1998, he was receiving fixed medical allowances, he died on 6th august 2020, now being a family pensioner my mother wants to join cghs beneficiary. Her basic family pension is Rs 9150/. Kindly advice how she gets plastic card and what will be the procedure.
    Thank you.

    Reply

    • Contact your CGHS zone Authority. Letter will be given for surrendering Fixed Medical Allowance and also pay as per his husband last retired 7th CPC MATRIX LEVEL of subscription (minimum Rs.250/-) for CGHS multiply by 12 months if required one year/120 months for full Life Time Card.

      Reply

  16. I am from Surat, i will be retiring in march 2020. It is necessary to stay in CGHS station. am i free to put say Mumbai or pune as my CGHS station. How it works ? Please help. My son lives in mumbai does that can be used as reason to put it as CGHS station?

    Reply

  17. Hi My father was retired in Nov 2016 from pwd department delhi , he has not applied for the CGHS card , we want to know what is the total fees for lifetime card as he was retired with very less basic pay , he was a retired as a painter from designation.
    What amount we have to pay and draft has to be made in the favor of which name ?

    Reply

    • As per his last subscription in matrix level from the 7th CPC he has to pay from his retirement month i.e. Dec.2016 to Dec,2019 total 37 month plus 120 month total 157 months subscription for LIFE TIME CARD.

      Reply

  18. I retired on 31.3.2017 . My wife suddenly fallen sick and admitted in private hospital in Bhopal and taking treatment. I did not apply for CGHS at the time of retirement. What is the procedure for getting CGHS and reamburshment of medical expediture now

    Reply

    • Since you are getting FMA you are not eligible to reimburse the same. You have to surrender the FMA facility & pay for of last subscription 120 months & from the retirement period and get the life time CGHS CARD for full family.

      Reply

  19. I am going to retire in May, 2019. I am going to Stay in Madurai, being a non-CGHS station. I want to know after paying an amount of Rs.1,20,000/- for Life time Card, I will get a CGHS Card.
    At the time of emergency, How can I take treatment?
    Every time, coming to Chennai, will be very expensive.
    How can I use this card in a city where there is no CGHS.
    For going to empaneled Labs, how will I get a referrel from Doctor?
    How will I get the medicine?

    Reply

    • There are more empanelled hospitals in Madurai for emergency treatment. If you want CGHS CARD for every year and renew it, after such years you can pay the balance years and make it as life time card .If you don’t require card you can avail the facility of FIXED MEDICAL ALLOWANCE of ₹ 1,000/-p.m.

      Reply

    • In case she pays Rs.1.20lakhs for lifetime CGHS plastic card and likely to avail em-paneled hospital treatment etc, is there any Income Tax rebate can she claim (CGHS subscription she pays Rs1000 p.m while in service has Income tax rebate under Sec80D I suppose with year to year ceiling fixed by the UoI) for the current Assessment year or for future years since Rs.1.2Lakhs is beyond the yearly Sec 80D ceilings.

      Reply

      • Income tax rebate in 80(c) duduction she will get in which she is paying in that FINANCIAL YEARS total amount with the proff.

        Reply

    • Pay as per your last basic pay level of subscription for renewal of 12 months or 120 months subscription for life time card.

      Reply

  21. Since he got FMA as per his last month subscription multiple by two from the retirement month again multiple by 12 for each year or 120 months subscription for life time card. Before paying get the NOC give letter to ex-employer for getting FMA to stop it.

    Reply

  22. Sir my father is retired in August 1997 from department of telecomunications at Karwar Karnataka.He is receiving Fixed medical Allowance of 1000/- per month. Now can he get Cghs card and what is the procedure to get the card. Regards

    Reply

  23. Sir, I retired on superannuation wef 1st January 2010 as inspector with basic pay 20480/-.Now I desired to avail cghs facility wie. How can I join and how much amount to be deposited for life time ie rest of life.let me know please.

    Reply

    • First you to give letter to stop FMA from ex-employer & get letter for availing CGHS facility. You have not mentioned your grade pay/7th CPC Matrix level as per the subscription 120 months for life time CGHS CARD. The subscription is in your Service and it will be in double now.

      Reply

  24. Dear Sir,
    My Uncle had VRS few years back from Indian Post Office. He currently availing Rs 25000 as pension & is of 65 years.
    kindly help in knowing whether he is eligiable for CGHS and the amount to be charge

    Reply

    • Contact his ex-employer they will issue letter to join CGHS as per his last pay at the stage of subscription date and total amount to be paid.

      Reply

  26. My father was dead in service in year 2007 at time basic is 4800so we are apply to my mother what are the contribution for year to my mother age was 58

    Reply

  27. I retired from service on 31..12.2007. At the time of retirement my Grade Pay was 4200/-. I opt for CGHS life card and I paid contribution not for salary and only for pension and given General ward Card. Now can I change the Ward from General to Semi Private Ward. If so what is the procedure and any amount to be paid. Please help me in this regard.
    V. Vasu Kurup.

    Reply

  28. Sir, As per PPO of 7th cpc my present basic pention RS 18800/- pm. PL inform total subscription for availing life Time CGHS card. Thanks

    Reply

  29. I have retired from service from 01.01.2011.My grade pay was Rs7600.since my opo book was misplaced by bank,I was given 6 months temporary card by c.g..h.s This continued for 3 instances.subsequently ,I got my p.p.o and I have taken 5 years valid card which would expire on 31.12.2018.Now if I intent to get life time card how much I am to pay .Am I to pay again for 120 months?

    Reply

  30. Sir my father in law died in the year 1985 and my mother in law is getting family pension ,she is not availing cghs facility since then. Now as she herself is 80 plus can now she get her cghs card,and how much amount is required to pay through cheque d.d.

    Reply

    • Answer to SMITI BHATNAGAR : She can get it, as per his husband’s last pay of level of subscription multiple by 12 months for every year.

      Reply

    • Further this is to inform you if she is not getting additional pension of 20% due to the attaining the age 80 she is eligible for it contact bank.

      Reply

  31. Sir , I was retired on 31 st May 2014 have been taken CGHS card no-4539208,paid for annual subscription valid upto Nov2016, later got it renewed for 2017 & 2018 on annual basis @ Rs 6000/per year, but for the annual subscription of the financial year 2017- 2018 CGHS office demanded me to submit the DD for Rs 12000/-so please advise me how much is to be paid for renewal for 2018-2019.

    Reply

    • Answer to BS CHANDRA SEKHAR – Yes it has been doubled in 7th CPC rates from February,18. Better to get LIFE TIME CARD for paying another 7 years in the revised subscriptions, future it will more if revised.

      Reply

  32. I was retired in Jan. 2015 from the post of. C. M. O. (N. F. S. G) and getting fixed medical allowance of Rs1000/moth.
    How can I get the C. G. H. S. Card?
    Please inform

    Reply

    • Answer to Dr.A.K.SINGH : After give a certificate of not availing fixed medical allowance, if non-resident of CGHS area, they can also get the CGHS card to pay the CGHS subscriptions as per his levels in 7th CPC of 12 months as every year or 120 months for LIFE CARD.

      Reply

  33. sir,
    i was retired on 31-12-2015, at the time of retirement my cghs contribution was Rs.500/-, now i want to deposit ten years contribution for getting life time cghs card , how much amount need to be deposited.

    Reply

    • Answer to OM PRAKASH : Now you have to give ₹ 1000/- p.m subscription i.e 1000 × 120 = 1,20,000/- plus current year upto December from the payment of the month. If you are paid earlier I.e. 2/17 it was 50%.only.

      Reply

  34. PUSHKAR SINGH MEHTA – 22/3

    As I informed below, in addition for continuing months you have to pay the CGHS subscriptions of ₹ 1950/- for the 3 months from October to December, 2018.

    Reply

  35. PUSKAR SINGH MEHTA on 22/3

    As per your matrix level seven your monthly CGHS subscription of ₹ 650 × 120 months for life periods ₹ 78,000/-. Renewal of every year 650 × 12 =7800 per year.

    Reply

  36. Sir, I am retiring with effect from September, 2018 on superannuation, Before implementation of 7th pay commission my Grade Pay was Rs.4600/- Now on or before my retirement my Basic Pay will be Rs..55208/- after 3% increment from July, 2018.
    please inform me the total amount to be deposited for availing life time CGHS card.
    I will wait your reply please.

    Reply

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