Question: What are the facilities available under CGHS?
Answer:
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OPD Treatment at WCs including the issue of medicines.
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Specialist Consultation at Polyclinic/Govt. Hospitals and at CGHS empanelled hospitals after referral by CGHS.
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OPD/ Indoor treatment at Government and empanelled Hospitals.
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Investigations at Government and empanelled Diagnostic centers.
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Cashless facility available for treatment in empanelled hospitals and diagnostic centers for Pensioners and other identified beneficiaries.
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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.
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Reimbursement of expenses incurred for purchase of hearing aids, artificial limbs, appliances etc., after obtaining permission.
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Family Welfare, Maternity and Child Health Services.
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Medical consultation. Dispensing of medicines in Ayurveda ,Homeopathy, Unani and Siddha system of medicines (AUSH)
Question: What are the timings of Wellness Centres/Polyclinics?
Answer:
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.
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South Avenue
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North Avenue
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Zakir Hussain Road
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Kingsway Camp
Timings of WCs with emergency services are as follows
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WC timing 7:30AM to 1:30 PM
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Limited Emergency services 1:30PM to 7:30AM
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 following locations in Delhi
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Nirman Bhawan
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Central Secretariat
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Vitthal Bhai Patel House
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Shastri Bhawan
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Narmada House opposite RML Hospital
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Supreme Court
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New Moti Bagh
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PHA- for Hon’ble MPs and Ex. MPs only.
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PH- for Hon’ble MPs and Ex. MPs only.
The timing of these FAPs is from 9:00 AM to 5:00 PM
Question: Are the family members of Central Government Servants not residing with him eligible for CGHS facilities?
Answer:
Family members who are wholly dependent upon the Central Government employee are normally expected to reside with the primary card holder. However, during a visit to another CGHS covered city they are eligible for CGHS facilities on the basis of individual Plastic Card issued to the dependent family member.
​
Question: If I want to take treatment from non-empanelled hospitals, what is the procedure?
Answer:
There is a provision to take permission for treatment from non-empanelled private hospitals at CGHS rates.
For pensioner CGHS beneficiaries, permission for treatment from non-empanelled hospitals at CGHS approved rates shall be considered by the Additional Director, CGHS.
No credit facility would be available in such cases. Pensioners shall have to make initial payment and seek reimbursement at duly approved rates in respect of the treatment undertaken.
In respect of serving central government employees such permission is considered by concerned Department/Ministry.
​
Question: Whom should I approach in case the CGHS Card is not issued to me in the prescribed time?
Answer:
You may contact Additional Director CGHS (HQ), in case of Delhi and Additional Director of City in case of other cities.
​
Question: Is there any age limit for sons / daughters as dependent on CGHS Cards?
Answer:
Son is eligible till he starts earning or attains the age of 25 years or gets married whichever is earlier.
However, in case the son is suffering from any permanent disability of any kind (physical or mental) he is eligible for CGHS benefits even after 25yrs, provided the disability occurred before the age of 25 years.
A daughter is eligible till she starts earning, or gets married; whichever is earlier (irrespective of age).
​
Question: What are the rules on domiciliary visit?
Answer:
The Medical Officer will pay domiciliary visit wherever considered necessary owing to the inability of the patient to attend the dispensary. Domiciliary visits except in case of emergency will normally be made before or after the dispensary working hours.
​
Question: What are the Special provisions for CGHS beneficiaries aged 80 years and above?
Answer:
The special provisions under CGHS to the beneficiaries aged 80 years and above are as given under:
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Consultation of Doctor at CGHS Wellness Centre without standing in Queue.
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CGHS Doctors shall enquire by phone, at least once in a month to enquire about their wellbeing / make a home visit if residing within 5 K.M.s of CGHS WC.
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Settlement of medical claims on priority out of turn.
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Follow up treatment from same specialist in non-empanelled hospital from where he/she was earlier taking treatment- as a special case in view of advanced age and difficulty to change physician subject to the reimbursement limited to CGHS rates and collection of medicines as per CGHS guidelines.
Question: What is the maximum period for which medicines can be given in one go?
Answer:
For treatment of Chronic illnesses medicines upto ‘3’ months are issued in one go, provided there is a valid prescription.
In case of a beneficiary visiting a foreign country, medicines upto ‘6’ months are issued in respect of chronic illnesses, based on valid prescription and documentary support of visit to a foreign country.
​
Question: Is re-registration required if a beneficiary visits WC to just collect indented medicines?
Answer: No.
Question: Is there a provision for collection of medicines from the WC by an authorized person?
Answer:
Yes, the CGHS beneficiaries can authorize a representative to collect medicines from CGHS Wellness Centre on the basis of valid prescription.
​
Question: What are the guidelines for settlement of MRC?
Answer:
Normally the medical reimbursement claim is to be submitted within three months of discharge from Hospital/availing treatment. Relevant OM is linked below -
Question: Who can avail Preventive Health Check up (PHC) and where are the facilities available?
Answer:
In view of the importance of Diagnosis of Chronic Non-communicable Health Problems at the preventive level, facility of Preventive Health Check-up (PHC) is available for:
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Beneficiaries who are 40 years old or above who are already not suffering from any chronic ailments like Diabetes Hypertension Heart disease etc. This check-up done once in a year only.
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Serving beneficiaries will not require any permission from their respective offices
PHC is available in 8 Wellness Centers as follows
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CGHS Wellness Centre, R. K. Puram-V (South Zone)
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CGHS Wellness Centre, Sadiq Nagar (South Zone)
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CGHS Wellness Center, Chanakya Puri (Central Zone)
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CGHS Wellness Centre, Pandara Road (Central Zone)
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CGHS Wellness Centre, Janakpuri-1 (North Zone)
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CGHS Wellness Centre, Shalimar Bagh (North Zone)
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CGHS Wellness Centre, Kingsway Camp (East Zone)
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CGHS Wellness Centre, Shahadra (East Zone)
Question: What is the mechanism for grievance redressal in CGHS?
Answer:
The complaints/ grievances can be sent either via CGHS’s online grievance redressal system or through the offline applications. Grievances may also be lodged via “Public Grievance Redress And Monitoring System (CPGRAMS)” portal.
The Online representations may be sent, through the ‘Online Grievance Redressal System’ available at cghs.nic.in website. Following steps needs to be followed to lodge a complaint through the system.
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Visit the website; Cghs Website, Click on the option ‘Lodge Grievance’ available in the Beneficiary Login.
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After clicking on ‘Lodge Grievance’ link, the page would be shown where the beneficiary has to enter the Beneficiary id and click on “Generate OTP” button. OTP shall be sent on registered mobile number and then
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After clicking on the “Proceed” button a page shall open, showing the beneficiary’s personal details. The beneficiary would click on “Proceed” button.
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Beneficiaries would be required to select the Type and Subtype of the query. The beneficiary would also be able to select the Zone/City through the dropdown menu.
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When the beneficiary clicks on “Submit” button after filling up all the details, the grievance ID would be generated and an SMS/email would be sent to the beneficiary and to the concerned official as per selections made by the beneficiary.
The other options for sending representations are through E-mails, Letters,Suggestion Boxes and CP-GRAMs Portal which may be addressed to the following;
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At Wellness center level – to the CMO I/C.
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At city/zone level – to the Additional Director of the city/zone.
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Higher administrative level – For Delhi- Addl. Director (HQ).
Beneficiaries are advised to approach the authorities normally in the order they are mentioned above, personally, or through phone calls, letters or emails at the contact details on the CGHS website or available on the below mentioned links.
Click here to view the CGHS Directorate contact details.
Delhi/NCR
Outside Delhi
CGHS HQ Delhi (AD (HQ) & Zonal ADs)
Contact Details of WCs of Delhi/NCR
Contact details of WCs outside Delhi
List of Empanelled Pvt. HCOs- City-wise
List available at www.cghs.gov.in
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Written Complaints/ suggestions may also be dropped in the complaint / suggestion box displayed in the Wellness centers.
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The grievances at Wellness Centre level can be sorted out in the "Advisory Committee" meetings held normally on every 2nd Saturday of the month.
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On all Wednesdays, from 11.00AM to 1.00PM complainants can meet the Additional Directors for grievance redressal.
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Beneficiaries may also lodge their complaints/grievances in the “Public Grievance Redressal and Monitoring System (CPGRAMS)” in the PG Portal or through email.
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Question: Is it necessary that the Govt. specialist should specify the name of the empanelled Hospital for the purpose of referral?
Answer:
No.
​
Question: What are the ceiling rates for reimbursement of Expenses on purchase of Hearing Aids?
Answer:
The revised ceiling rates fixed for various types of hearing aids (for one ear) are as under:
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Digital BTE - Rs. 8000/-
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Digital ITC/CIC - Rs. 9000/-
The cost of hearing aids shall include all taxes including GST and shall carry a 3-year warranty. The cost of a BTE type hearing aid shall also include the cost of a hearing mould.
OM-No. S 11011/37/2019-EHS dated 01/12/2020
​
Question: Will beneficiaries get services in the HCOs without referral?
Answer:
The beneficiaries will not get health services in the HCOs without referral (computer generated/manual), except in case of medical emergency or in case of OPD consultations and listed investigations and procedures for beneficiaries aged 75 years and above.
Question: Are there any scenarios exempt from issuance of fresh referral letter for each visit?
Answer:
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In case of procedures like Chemotherapy/ Radiotherapy/ multiple dressings/physiotherapy /dental procedures/ Hemodialysis (valid for 06 months)
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In follow-up treatment for the 07 cases allowed by CGHS (where the permission is valid life long)
Question: Once patient is in hospital OPD, can he consult multiple speciality doctors as per convenience?
Answer:
If a beneficiary on his own, as per his convenience, wishes to consult another specialist, he would be required to get a fresh referral from the CGHS Wellness Centre, as per his ailment. He would not be permitted to use the initial referral. Beneficiaries aged 75years and above are exempt from this.
Question: For the purpose of making CGHS cards, who are 'dependent', and what is definition of the word “family"?
Answer:
In the term “family” means and includes Husband or wife, as the case may be, and other dependent family members.
Dependent Family Members include: parents (female employee can have either her parents or her parents-in -law as dependents), sisters, widowed sisters, widowed daughters, minor brothers and minor sister, children and step-children wholly dependent upon the Government Servant and are normally residing with the Government Servant (son upto the age of 25 or till his marriage whichever is earlier and daughter till she gets married). Also now 'dependent' includes, dependent divorced /separated daughters (including their dependent minor children) and step-mother.
The term ‘dependent’ means that income from all sources including pension and pension equivalent of DCRG benefit is less than Rs. 9000 +DA per month.This clause is to be fulfilled for all 'dependent' family members. However, there is no such clause as dependency in respect of spouse.
Question: What is to be done if HCO is unable to retrieve referral information through TMS ?
Answer:
In such cases HCOs can upload a scanned copy of the referral and enter the details manually in the TMS .
​
Question: Are ambulance charges reimbursable?
Answer:
Yes. Ambulance charges are reimbursable within the city, if there is a certificate from the treating doctor that conveyance by any other mode would endanger the patient’s life or would grossly aggravate his/her condition.
OM No. S.4924/2010/CGHS (R&H)/CGHS(P), dated 17th January, 2011.
Question: What is the Validity of existing CGHS Plastic Cards?
Answer:
The existing plastic cards will continue till their 05 year validity period ends in case of serving beneficiaries and till the period covered by the subscription deposited by the pensioner in case of pensioner cards. Cards are renewed on yearly basis in case of all Autonomous Body cards, on receipt of payment from the Autonomous Body.
Question: How to download an Index Card?
Answer:
A beneficiary does not have to visit the office of Additional Director of CGHS city/HQ in Delhi to collect the paper index card, after applying for a CGHS card. On receiving the confirmatory SMS regarding verification of CGHS card application, the beneficiary would be required to go to “Beneficiary login” at CGHS Portal and login using his Beneficiary ID and password. An OTP will be sent to the registered mobile number as well as email of the beneficiary for authentication, following which the beneficiary would be able to download the e-Index Card.
Question: What document would be required to avail treatment at HCOs through the Transaction Management System (TMS) of NHA?
Answer:
A copy of CGHS plastic card/Index card/print out of e-CGHS card in case of non-aadhaar verified pensioner beneficiaries would be required to be submitted for uploading on TMS. In case of Aadhaar verified beneficiaries, quoting BEN ID along with Aadhaar and subsequently undergoing Aadhaar authentication would suffice.
Question: What if beneficiary has lost the referral slip?
Answer:
The beneficiary will need to provide the referral number (ID) to the HCO, so that referral details entered by the doctor at CGHS wellness centre may be fetched digitally on the TMS portal. In case they have lost the referral number too, they will need to get another print out from the Wellness Centre bearing the same referral ID.
If the beneficiary was referred by the govt hospital and lost the manual referral letter, they will need to get a fresh manual referral letter for uploading the scanned copy and entering the referral details manually on the TMS portal.
​
Question: What all services are allowed on a referral letter mentioning “OPD consult”, in case of ophthalmology speciality?
Answer:
Services such as Fundus examination and/or Refraction and/or tonometry can also be performed and separately charged by the hospital, for consultation with an ophthalmologist. No separate referral letter is required for the same.
​
Question: Do I need to submit my original referral letter to empanelled HCOs?
Answer:
No. Hospital will keep a scan copy of the same on the TMS portal.
​
Question: What is the process for availing health benefits at CGHS empanelled hospitals under the CGHS?
Answer:
Beneficiaries can avail healthcare services after a one time e-KYC authentication on Beneficiary Identification System (BIS). After e-KYC authentication on BIS, healthcare providers will be able to register verified beneficiaries on the Transaction Management System (TMS) for delivery of healthcare services without any manual process.
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Question: What are the Ward Entitlements for CGHS beneficiaries?
Answer:
Entitlement of wards in private hospitals empaneled under CGHS is as under:
N
Ward Entitlement
Corresponding Basic pay drawn by the officer
1
General Ward
Upto Rs. 36,500/-
2
Semi-private Ward
Rs. 36,501 to 50,500/-
3
Private Ward
Rs.50,501 and above
​
Question: What details would be mentioned in the computer generated referral issued by the Wellness Centre?
Answer:
The computer generated referral slip will mention the wellness center name from where the referral has been issued, referral type (referral/endorsement), referral validity (except in case of follow-up), date of referral, specialist’s name/doctor’s name, and details of the recommended component/s.
Question: What is Endorsement?
Answer:
The listed investigations, procedures and advice for OPD Consultation to another specialist, advised by Specialists of Private empanelled hospitals are required to be entered online by the Medical Officer of CGHS (except in case of beneficiaries of age 75 years and above). The print out issued in this respect of this is known as an “Endorsement”.
Question: What is the validity period of the referral?
Answer:
The validity referral letter varies as per the kind of referral given such as, it is valid for a period of one month in case of consultations and investigations, for all procedures in general it is for 03 months and in cases like hemodialysis it is up to a maximum of 6 months. In follow-up treatment for the 07 cases allowed by CGHS, validity of the referral is lifelong)
​
Question: In which cases are referrals not required for treatment in HCOs?
Answer:
In the following cases referrals are not required:
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Beneficiaries aged 75 years and above seeking treatment for OPD consultation/listed investigations/procedures.
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In emergency cases.
Question: Can I take treatment at the 27 hospitals recognized by the Ministry of Health & Family Welfare under the National Cancer Control Programme ?
Answer:
CGHS beneficiaries are permitted to get themselves treated from any of the following 27 hospitals recognized by the Ministry of Health & Family Welfare under the National Cancer Control Programme that are funded by the Government of India.
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M.N.J . Institute of Oncology & Regional Cancer Centre, Hyderabad.
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Dr. B. Borooah Cancer Institute, Guwahati.
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Indira Gandhi Institute of medical Sciences, Patna.
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Post Graduate Institute of Medical Education & Research, Chandigarh.
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Pt. J.J.N. Medical College & Dr. B.R. Ambedkar Memorial Hospital, Raipur.
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Dr. B.R. Ambedkar Institute of Rotary Cancer Hospital, AIIMS, New Delhi
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Gujarat Cancer Research Institute, Ahmedabad.
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Post Graduate Institute of Medical Sciences, Rohtak.
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Indira Gandhi Medical College, Shimla.
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Sher-i-Kashmir Institute of Medical Sciences, Srinagar.
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Government Medical College, Jammu.
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Kidwai Memorial Institute of Oncology, Bengaluru.
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Regional Cancer Centre, Thiruvananthapuram
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Cancer Hospital & research Institute, Gwalior.
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RashtrasantTukdoji Regional Cancer Hospital & Research Institute, Nagpur.
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Tata Memorial Hospital , Mumbai
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Regional Institute of Medical Sciences, Imphal.
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Civil Hopsital, Aizwal.
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Acharya Harihar regional cancer Centre, Cuttack.
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Jawaharlal Institute of Postgraduate Medical Education & Research, Puducherry.
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Acharya Tulsi Regional cancer Treatment research Institute, Bikaner.
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Govt. Arignar Anna Memorial Cancer Research Institute & Hospital, Kancheepuram.
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Cancer Institute (WIA), Adyar, Chennai.
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Civil Hopsital, Agartala.
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Sanjay Gandhi Postgraduate Institute of Medical Sciences, Lucknow.
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Kamla Nehru Memorial Hospital, Prayagraj.
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Chittaranjan National Cancer Institute, Kolkata.
The reimbursement shall be as per the rates fixed in the regional Cancer Centres under Central Government, if any or as per actual, whichever may be less.
Relevant OM No 1-1/13/Hospital Cell/R&H/CGHS(Pt.1)/CGHS(P) dated 23.02.2015 may be seen on CGHS Website
Question: I am suffering from Cancer and I want to undergo treatment from a hospital, which is not empanelled under CGHS. What is the procedure?
Answer:
There is a provision for taking due approval for cancer treatment from a non-empanelled private hospital at CGHS rates.
For pensioner CGHS beneficiaries, permission for treatment from non-empanelled hospitals at CGHS approved rates shall be considered by AdditionalDirector, CGHS. No credit facility would be available, though for such a treatment.
Pensioners have to make initial payment and seek reimbursement at approved rates later.
In respect of serving central government employees such permission is considered by concerned Department/Ministry.
The relevant OM No OM No 1-1/13/Hospital Cell/R&H/CGHS(Pt.1)/CGHS(P) dated 23.02.2015 may be seen on CGHS Website.
Question: Whether any referral is required for undergoing treatment under medical emergency?
Answer:
In case of medical emergency no referral is required for undergoing treatment from CGHS empanelled Hospitals and even from non-empanelled hospitals
CGHS empanelled hospitals provide treatment on a cashless basis. In case of treatment from non-empanelled hospitals, reimbursement shall be considered as per approved CGHS rates for a procedure or investigation undertaken.
Relevant OM No S 11011/29/2019-EHS dated 13th September 2019 may be seen on CGHS Website
​
Question: I have been advised on listed investigations and listed treatment procedures by a Government Specialist. Do I require any other permission to undergo the same from any CGHS empanelled HCOs?
Answer:
If a Government Specialist / CGHS Medical officer/ CMO i/c advises a listed investigation or a listed treatment procedure,no other permission letter/ referral is required.CGHS beneficiary can undergo treatment/procedure from any of the empanelled HCOs under CGHS.
Validity of advice for a listed procedure-The advice of Govt. Specialist/ Medical Officer/CMO i/c for listed investigations is valid for a period of one month.
The advice of Govt. Specialist/ Medical Officer/CMO i/c for listed treatment procedure is valid for a period of three months.
The relevant OM No Z 15025/117/DIR/CGHS/EHS dated 10.12.2018 may be seen on CGHS Website.
Question: I have been referred to an empanelled hospital by CGHS. The Specialist of private empanelled hospital advises an unlisted treatment, procedure, unlisted investigation. What is the procedure to be followed under such an eventuality?
Answer:
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If a Specialist of an empanelled hospital has advised an unlisted treatment, procedure, investigation, the CGHS beneficiaries need to apply for approval of the same, to the CMO In charge of the Wellness Centre. The CMO I/C forwards the application to the Additional Director, CGHS for approval of the competent Authority based on the expenditure to be incurred on the unlisted procedure/treatment:
-
If the cost of unlisted treatment procedure/ investigation is up to Rs.1,00,000/-, the permission shall be considered at the level of Additional Director, CGHS concerned.
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If it is between Rs.1,00,000 and Rs. 1,50,000/- permission shall be considered at present at the level of Director, CGHS.
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In case the cost of unlisted treatment procedure/ investigation is above Rs.1,50,000/-, the case is examined by a STC(Standard Technical Committee of experts in a given discipline related to the procedure/investigation) and thereafter, the expert opinion is considered by the Ministry of Health & Family Welfare for approval of reimbursement based on the concurrence of Integrated Finance Division of the Ministry.
-
-
In case of serving CGHS beneficiaries, and beneficiaries of Autonomous Bodies, the request for grant of permission for unlisted treatment procedures/investigations is to be submitted to concernedDepartment/Ministry for grant of permission by Competent Authority.
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If the cost of unlisted treatment procedure is Rs.20,000/- or less, HoD of the Department/ Autonomous Body is Competent to authorize the treatment procedure/investigation.
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If ,it is between Rs 20,000 and Rs. 1.50,000/- permission shall be considered at the level of Ministry of Health & Family Welfare based on the concurrence of Integrated Finance Division of the Ministry.
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In case the cost of unlisted treatment procedure/ investigation is above Rs.1,50,000/-, the case is examined by a STC(Standard Technical Committee of experts in a given discipline related to the procedure/investigation) and thereafter, the expert opinion is considered by the Ministry of Health & Family Welfare for approval of reimbursement based on the concurrence of Integrated Finance Division of the Ministry.
The relevant OM Z 15025/79/2/DIR/CGHS dated 05.10.2016 and OM No S- 12020/4/97 –CGHS(P) dated 07.04.1999 may be seen on CGHS Website.
Question: Is there any provision for CPAP Bi-Pap under CGHS?
Answer:
There is a provision for reimbursement of cost of CPAP, Bi-PAP Machines and Oxygen Concentrator under CGHS.
Permission to purchase CPAP/ Bi-PAP Machines / Oxygen Concentrator is issued after approval by a Standing Committee .
i)
CPAP
Rs.45,000/-+ GST
ii)
Bi-PAP
Rs.68,000/-+GST
iii)
Bi-Level Ventilatory System
Rs.1,05,000/- + GST
iv)
Oxygen Concentrator -
Rs.45,000/-+ GST
Note: For further clarifications on any of the aforementioned issues please contact:
Additional Director Contact List
Question: I went to Bengaluru on a personal visit and sustained a fracture of leg bone. I received treatment from a private non-empaneled hospital. I will stay in Bengaluru for another six months. Can I submit the medical claim to CGHS in Bengaluru or should I submit the Claim papers in Lucknow, where the card is registered?
Answer:
Option is provided to CGHS pensioner beneficiaries to submit the medical reimbursement claim in the city where treatment is taken, in Bengaluru in your case. Additional Director, Bengaluru shall process the medical reimbursement claim and reimburse the admissible amount to you. However, if you so desire, the option to submit a medical claim in Lucknow is also available.
OM No Z15025/2/2023/DIR/CGHS dated 8th may 2023.
Question: What is CGHS Contribution?
Answer:
The following deductions from salary of the employees are made by the department, every month, depending upon their pay in the pay matrix of 7th Pay commission (wef 1/1/2017)
Corresponding levels in Pay Matrix as per 7th CPC
Contribution per month
Level 1-5
Upto Rs. Rs. 250/-
Level 6
Rs.450/-
Level 7-11
Rs. 650/-and above
Level 12 and above
Rs. 1000/-and above
Pensioners who want to avail CGHS facilities can make contribution either on yearly basis or one time (ten yrs.) contribution for whole life validity of CGHS Cards.
Payment can be made by Bharat Kosh or by Demand Draft in favour of “ P.A.O. CGHS Delhi” if in Delhi or "Additional Director of the CGHS City"
Contribution to be made by the Pensioners/Family Pensioners would be the amount that they were subscribing to at the time of their retirement or at the time of the death of a government servant. Contribution amount as applicable on the date of applying for a Card is to be paid.