CGEPHIS
Central Government Employees and Pensioners Health Insurance Scheme (CGEPHIS)
Government of India Introduces Health Insurance Scheme for Central Government Employees and Pensioners and their dependant family members
1. Who can Join the Scheme :
- All Central Government Employees
- India Service Officers
- Retired Employees
- who covered existing CGHS and CS (MA) Rules
2. This scheme is compulsory for new employees and pensioners, and voluntary basis for existing employees.
3. CGEPHIS Structure
- This scheme shall provide coverage for all expenses relating to hospitalization of beneficiary members up to Rs. 500,000/- per family per year – subject to limits on cashless basis through smart cards.
4. Pre-existing diseases covers under the scheme from day one.
5. Insurance Premium :
- The beneficiary will have to pay an annual premium.
- The estimated annual premium for a standard family size will be in a range of Rs. 8000 to Rs. 12000/- per annum.
- The premium amount will vary according to grade pay of the beneficiary
- The premium amount shall be decided by the insurance companies.
- For serving employees, the premium would be detected by the Drawing & Disbursing Officers
- Pensioners would be required to authorize the Bank Branch from which they are drawing their pension amount, to deduct the Insurance premium.
6. Insurance Coverage
The Following shall be covered insurance policy under this scheme :
- Pre-existing diseases
- Day-one Coverage for all diseases
- Maternity benefit
- Pre and Post hospitalization cover of 30 days and 60 days respectively
- New-born babies
- Domiciliary Hospitalization
7. CGEPHIS Scheme for Family :
- Employees : This Scheme will cover for self, spouse, two dependant children and dependant parents. New born will be covered as a part of insured family member during currency of the policy.
- Retired Employees : – This Scheme will cover for self, spouse, two dependant children and dependant parents
- Additional dependant family members can be covered under the scheme by paying an additional premium.
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Is that General Health Checkup eligible in this scheme ?
Yes, This scheme included General Health Check for all beneficiaries at least once a year.
The CGEPHIS scheme is much talked about. Almost each and every pensioner is eagerly waiting for its introduction. May I know when this scheme is likely to be made effective?
I made a request to know the effective date from which the CGEPHIS scheme is actually made effective. The membership could be obtained by those needy who are otherwise deprived of the CGHS facilities in areas where the same is not available.
The government should get it implemented quickly.
May I know when it is likely to be made effective?
Sir,
I am working in Indian Bureau of Mines, a government organisation of ministry of mines. I am interested to enroll for self and family under CGEPHIS scheme. Kindly enlighten me regarding the rules, regulations and procedures to be followed for becoming a member of the scheme, along with its benefits and terms-conditions.
Yours faithfully
BPRavi
ravibelavadi@gmail.com
I am anxiously waiting to hear implementation of CGEPHIS for last two years.I am 74+. Can any body enlighten me on the subject?
When will this be implemented? Whom to contact and where?
The govt.and the some federation leaders playing hide and seek in the health care issue of poor central govt officers and pensioners.Both of them may have hidden agendas. My dear friends we will hear the good news only if and when these two get satisfied with their ordeals.Govt is not sinceare in their promises until a court order is slapped on them. Curse your destiny and keep quiet.
What is the latest developement ofthe scheme, is it still in paper? Concerned authorities may take immediate action to implement the scheme.