Expected DA Calculator from January 2021 (Updated Nov 2020)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 in the scheme of CGHS on yearly basis also. It should be 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 in the pay level of 6 and he wants to join in 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 one-time payment for a lifetime membership. For example, a pensioner retired in the pay level of 6 and he wants to join in 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
LIFETIME 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 for 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 CGHS Card can be transferred in the name of spouse on submission of required documents.
No extra payment to be made, in case of life time 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 , balance payment for the remaining three years is to be paid for a life time card.
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