Central Government Health Scheme for Central Government Employees and Pensioners in 2026
CGHS Online Appointment Booking for Central Govt Employees and Pensioners: The Central Government Health Scheme (CGHS) plays a vital role in providing quality healthcare services to Central Government employees, pensioners, and their dependents. To enhance convenience and reduce waiting times, CGHS offers a dedicated online appointment booking system that allows beneficiaries to schedule doctor visits easily through the official CGHS portal.
This detailed guide explains the online appointment process, lists recent CGHS Office Memoranda (OMs) with dates and subjects, and includes important FAQs for beneficiaries.
- CGHS Empanelled Hospitals in India PDF Download
- CGHS Latest Package Rate PDF Download
- CGHS Subscription and Ward Entitlement PDF
How to Book CGHS Online Appointment
Follow the steps below to book an appointment at a CGHS Wellness Centre or empanelled hospital:
- Visit the official CGHS website
- Go to the CGHS beneficiary portal and click on “Book Online Appointment”.
- Login using Beneficiary ID
- Enter your Beneficiary ID and validate through the OTP sent to the main card holder’s registered mobile number.
- Select Wellness Centre and Specialist
- Choose your preferred CGHS Wellness Centre, specialty (General Duty/Specialist), and the available time slot.
- Confirm and download appointment slip
- Once confirmed, save or print the appointment slip. You will also receive an SMS confirmation.
- Visit the Wellness Centre with required documents
- Bring your CGHS card/Beneficiary ID, appointment slip, and past medical records.
Note: Same-day appointments may not be available. Availability differs by Wellness Centre and specialty.
Latest CGHS Orders (OMs) – Dates, Numbers & Subjects
Below is an updated list of important CGHS and MoHFW Office Memoranda relevant to online appointments, empanelment, rates, and digital systems:
- MoHFW O.M. dated 15 January 2026
Subject: Drug Procurement Policy in CGHS
Details: Policy guidelines for procurement of medicines under CGHS.
Source: DTF compilation of CGHS OMs. - CGHS O.M. dated 03 October 2025
OM No.: F. No. 5-16/CGHS(HQ)/HEC/2024 (Part–I)
Subject: Implementation of revised CGHS Rates 2025
Details: Notifications on updated package rates and billing procedures for empanelled hospitals. - CGHS O.M. dated 15 April 2025
Subject: Extension of validity of empanelled HCOs from 01 May 2025 to 30 April 2026
Details: Continued empanelment of existing hospitals and diagnostic centres. - CGHS O.M. dated 22 April 2025
Subject: Implementation of CGHS Health Management Information System (HMIS) developed by C-DAC
Details: New digital workflow for appointments, e-claims, and beneficiary records. - CGHS Guidelines on Online Appointment Booking
Subject: Step-by-step instructions for booking online appointments
Details: Detailed workflow for OTP login, slot selection, and confirmation.
Why These CGHS Orders Matter for Beneficiaries
- Empanelment OMs ensure hospitals continue to accept CGHS beneficiaries without interruption.
- Revised Rate OMs affect treatment charges, package rates, and reimbursements.
- HMIS implementation OMs modernize booking, billing, and record management.
- Online appointment guidelines simplify the process and reduce congestion at Wellness Centres.
Frequently Asked Questions (FAQ)
- What if I don’t receive the OTP during online booking?
The OTP is always sent to the main card holder’s registered mobile number. Update your number at the CGHS Wellness Centre if it is inactive. - Can I book an appointment for a family member?
Yes. After verifying with the main card holder’s mobile OTP, the system lets you select the family member (dependent beneficiary) linked to the card. - Is same-day appointment booking allowed?
Most centres do not allow same-day slots. Appointment availability depends on the Wellness Centre’s scheduling rules. - Where can I check all CGHS OMs and updates?
You can visit the official CGHS website’s “Circulars/Office Orders” section for the latest instructions, empanelment lists, and rate notifications.
Checklist Before Visiting the Wellness Centre
- Carry your CGHS card or Beneficiary ID.
- Bring ID proof and previous medical records.
- Save or print the appointment confirmation slip.
- Arrive on time to avoid rescheduling.
- For billing or empanelment doubts, verify the latest CGHS order at the dispensary.
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
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.
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.
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.
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.
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.
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)
Refund cannot be given. Your mother & dependent eligible member will be use it,
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 ?
He has to pay 450 x 12 x 72 (balance 6 years as per the new rates)
If a pensioner has paid CGHS subscription on yearly basis for 10 years. Whether he is eligible for life time card or not?
Eligible, but the subscription rates are revised as per the Pay Commission’s basic pension at that time.
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 ?
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.
Thank you very much for clarification.
Can we opt for card with 5 years subscription or we have to apply for life time card.
Life time Card is good. Otherwise in the 8th CPC the subscription may increase.
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 .
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.
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
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?
Balance 5 years as per his last pay MATRIX LEVEL CGHS subscription was revised in 2017.
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.
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.
Paid cghs contribution for three years. Now i want lifetime card. Shall i pay for balace seven years for lifetime cghs csrd
Yes. From the year of completion to seven years.
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.
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.
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 ?
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.
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.
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.
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
Yes. As per Income tax sec80D rule eligible amount of Rs.50,000/- under deduction..
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.
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.
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?
No, you can take Dispensary/CGHS Wiliness Center Pune/Mumbai. It will useful in any place of India.
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 ?
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.
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
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.
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?
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.
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.
Income tax rebate in 80(c) duduction she will get in which she is paying in that FINANCIAL YEARS total amount with the proff.
How I renew my chhe card.
Amount of fee ?
Period ?
My card expired Feb 19..
Pl guide.
Pay as per your last basic pay level of subscription for renewal of 12 months or 120 months subscription for life time card.
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.
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
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.
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.
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
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.
i m retired from service on 31 May 2018 my basic pay was 75600 level 9
what is the contribution of cghs
Subscription per year ₹ 7800/-, for life time card ₹ 78,000/- from January.
In additional also you have to pay the subscription at ₹ 650/-p.m. from the month of June to December, 2018.
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
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.
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
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?
No. You have to pay the subscription for 60 months but rates increased of ₹ 15200/- p.m.from 2/17.
Correction : As per your level 12 the subscription of ₹ 1,000/- p.m. multiple by 60 months. For life time card.
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.
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.
Answer to SMITI BHATNAGAR : Fixed medical allowance of RS.1000/-will be stopped if you are getting CGHS CARD.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
List of CGHS hospitals in hyderabad