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Insurance & Medical Under editorial review

CGHS (Central Government Health Scheme) Medical Cover

Short answer

CGHS gives you and your family free consultation and cashless treatment at CGHS wellness centres and empanelled hospitals. You pay a monthly subscription by pay level: Levels 1 to 5 ₹250, Level 6 ₹450, Levels 7 to 11 ₹650, Level 12 and above ₹1,000. It covers serving and retired Central Government employees in CGHS-covered cities, and their dependants.

Last checked · 4 key figures from the fact register

Key facts

Key facts on this page with their source and the date each was checked
FactValueSourceDate checked
CGHS monthly subscriptionLevel 1-5 ₹250; Level 6 ₹450; Level 7-11 ₹650; Level 12 and above ₹1,000 Official order, read on a mirrorStaffNews: CGHS ward entitlement and monthly subscription (opens in a new tab)
CGHS private-hospital wardGeneral up to ₹47,600 basic; Semi-private ₹47,601 to ₹63,100; Private ₹63,101 and above Official order, read on a mirrorStaffNews: CGHS ward entitlement and monthly subscription (opens in a new tab)
CGHS dependant income limit₹9,000 a month plus the DR on ₹9,000 Official order, read on a mirrorGConnect: CGHS eligibility for dependents (opens in a new tab)
CGHS package ratesRevised from 13 Oct 2025 Reported by reputable sourcesGovtEmployeesHub: CGHS revises healthcare rates (opens in a new tab)

What it is

CGHS (Central Government Health Scheme) provides outpatient care, medicines and cashless hospital treatment at empanelled hospitals.

Who gets it

Serving and retired Central Government employees in CGHS-covered cities, and their dependants.

How much

A monthly subscription by pay level: Levels 1 to 5 ₹250, Level 6 ₹450, Levels 7 to 11 ₹650, Level 12 and above ₹1,000. Pensioners can take a lifetime card equal to 120 months of the subscription.

This page is under editorial review. Some figures have not yet been confirmed against official sources. Check the official source before you act.

Eligibility

  • Posted in a CGHS-covered city
  • Subscription deducted from salary
  • Dependants registered on your card
  • Dependent parents: income from all sources within ₹9,000 a month plus the DR on it

Value

Cashless treatment and free consultations avoid out-of-pocket medical costs. Private-hospital ward entitlement depends on basic pay: up to ₹47,600 General, ₹47,601 to ₹63,100 Semi-private, above that Private.

How to claim

  1. Apply for a CGHS card through your office and the CGHS portal.
  2. Add dependants with proof.
  3. Visit your wellness centre for referral.
  4. Use the card at empanelled hospitals for cashless treatment.

Documents checklist

  • Application form
  • Pay slip
  • Dependant proofs
  • Photographs
  • Income proof for dependent parents

Deadlines

Apply as soon as you join or are posted to a covered city, and add new dependants promptly.

Common mistakes

  • Not updating dependants
  • Using a non-empanelled hospital without emergency proof
  • Forgetting to renew the card
  • Adding a parent whose income is above the limit

FAQ

Are parents covered?

Dependent parents are covered if their monthly income from all sources is within ₹9,000 plus the DR on that amount, as set by the MoHFW order of 8 November 2016.

Official sources

Written by the PerkNavigate editorial team from the sources above; not yet checked against official sources. See how we verify perks. Information only; not financial, tax or legal advice (disclaimer). Found an error? Tell us.

Sources and status

Each figure on this page comes from the fact register. What the badges mean.

Pay levels and roles

Salary scenarios for the 8th Pay Commission, by level and by role. Every figure is a scenario, not an official number.

By pay level

By role

The full 7th CPC pay matrix

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