HomeCGEGISCGEGIS - CENTRAL GOVERNMENT EMPLOYEES GROUP INSURANCE SCHEME - Overview

CGEGIS – CENTRAL GOVERNMENT EMPLOYEES GROUP INSURANCE SCHEME – Overview

CENTRAL GOVERNMENT EMPLOYEES GROUP INSURANCE SCHEME

Eligibility
(i) The scheme is compulsory for all regular employees including canteen employees.

(ii) Employee joining service from Ist January of a year will be a member of the Scheme from the date of joining.

(iii) Employee joining service on any other date will be entitled for insurance cover alone from the actual date of joining till the end of that year and will become full fledged member from the 1st January of the next year.

(iv) Re-employed defence personnel shall not be admitted to this scheme until the expiry of extended insurance cover under the Group Insurance Scheme for Armed Forces.

Subscription and Insurance Cover

(i) Under the scheme monthly subscriptions are to be made by each group of employees to get the appropriate insurance cover as follows

  • (a) For members as on 31.1.1989, who opted for the old scheme :
Group of
Employees
Subscription per
month (Rs.)
Amount of Insurance
cover (Rs.)
A 80 80,000
B 40 40,000
C 20 20,000
D 10 10,000
  • (b) For members as on 31.1.1989 who opted for the new scheme and those joining on or after 1.2.1989 :
Group of
Employees
Subscription per
month (Rs.)
Amount of Insurance
cover (Rs.)
From date of joining to
succeeding Is January
From succeeding Ist January
A 40 120 1,20,000
B 20 60 60,000
C 10 30 30,000
D 5 15 15,000

(ii) If an employee is promoted to a higher grade in between a calendar year, his subscription will be raised w.e.f. the following 1st January.

(iii) If an employee is reverted to a lower grade, his subscription and insurance will not be changed. It will remain as applicable to the higher grade to which he belonged before reversion.

(iv) Subscription for a month shall be recovered from the employee’s salary for that month.

(v) Subscription shall be recovered even for the month in which the employee ceases to be in service on account of retirement, death, resignation, removal etc. from service, or is on leave or suspension.

(vi) If subscription is not paid during any period of extraordinary leave, the arrears will be recovered with interest due under the Scheme, in maximum 3 instalments, from the month following the month in which employee returns for duty. If an employee dies while on extraordinary leave , the arrears will be recovered with compound interest @ 12% p.a. from the amount payable to the family under the scheme.

(vii) If subscription is delayed due to delayed payment of salary, no interest will be charged.

(viii) In exceptional circumstances, when employee cannot subscribe to CGEGIS, he can make non-refundable withdrawal from his PF account and pay the subscription.

(ix) 30% of the subscription will go to Insurance Fund and the balance 70% will go to Savings Funds.

Fifth Pay Commission has recommended to revise the proportion to 25% and 75% provisionally and review the same based on mortality rates.

Interest on Savings Fund

Interest will be paid on the balance in the Savings Fund at prescribed rates, compounded quarterly.

Benefits under the Scheme

(i) On Resignation/Retirement :- Amount of subscription credited to the Savings Fund alongwith interest thereon will be paid to the employee.

(ii) On Death : Amount of insurance cover of the group to which he belongs on the date of death and the accumulation in Savings Fund will be paid to his nominee/heirs.

(iii) If an employee dies before he was enrolled as a member (i.e. between the date of his joining service and the following Ist January), only the insurance amount will be paid to the nominee/heirs.

(iv) Assignment of Insurance Cover and Savings Fund for obtaining loans : An employee can assign the insurance cover and accumulation in the savings fund to a recognised financial institution, for obtaining housing loans. However, no loans/advance or withdrawals are permitted from Insurance Fund/Savings Fund.

(v) The amount of subscription is eligible for Income Tax Rebate u/s 88 of IT Act.

Mode of Payment

(i) The payment under the scheme shall be made to the employee in case of retirement, or quitting service otherwise.

(ii) In case of employee’s death, the amount shall be paid to :

  • (a) if there is a valid nomination, to the nominee(s) in the manner prescribed.
  • (b) if there is no valid nomination, as per valid nomination for GPF.
  • (c) if there is no valid nomination for PF also, then in equal shares to widow(s)/minor sons and unmarried daughters. When none of these are alive, then to other members of the family in equal shares.
  • (d) if neither any valid nomination is there, nor any member of the family is alive then to legal heirs on furnishing the succession certificate.

(iii) When the whereabouts of an employee are not known :

  • (a) Savings Fund accumulation will be paid to the nominees/members of the family/legal heirs after one year following the month of disappearance on furnishing a police report that employee is not traceable in spite of all efforts and an Indemnity Bond.
  • (b) The insurance amount will be paid after 7 years of the disappearance on production of decree of presumed death of the employee.

(c) Full subscription for the first year and reduced subscription for the insurance premium alone for the next 6 years will be recovered from the amount payable.

Other Conditions :

(a) The amount due to the minor can be paid to mother as natural guardian without any certificate in the case of non-Muslims and with guardianship certificate in the case of Muslims.

(b) If any person eligible for share of benefits is charged with murder or abetting murder of the employee, his claim will be suspended. If he is convicted he will be debarred from receiving any share, if he is acquitted his share will be paid without any interest.

(c) Any dues to the government cannot be recovered from amount payable under the scheme.

CENTRAL GOVERNMENT EMPLOYEES’ GROUP INSURANCE SCHEME

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19 COMMENTS

  1. Kindly help me to calculate the cgegis amount of central govt employee with example who retired on superannuation on 29.02.2016. His contribution is as under
    wef 1/1982 to 12/1989=Rs.20
    wef 1/1990 to 12/2009=Rs.30
    wef 1/2010 to 12/2020 =Rs.60

  2. I retired as SAA (UDC) on 30 Apr 2020. I was GP Rs. 4200/- wed 1.1.2006 through MACP and amount of Rs. 60/_ recovered towards cgegis wed 1.1.2006 PCDA Bangalore. I got Rs. 4600/_ MACP wef 23.5.2013. On retirement I have got only Rs. 30/_ benefit. Please clarify.

    • The group does not change on MACP. Your contributions throughout should have been @ Rs 30/- for Group C. Hence, you have got the benefit for Rs 30/-. Deduction of Rs 60/- was not correct.

    • No increase in the CGEGIS subscription it will remain same i.e Rs.30/- pm, until you get your regular promotion to the next higher post with grade pay Rs.4200/-, then the cgegis deduction will be Rs.60/- pm from 1st January of the next year after the promotion date.

  3. if the employee dies and during his service period he was on EOl and subscription of CGEGIS was not deduced during the period of EOL. How the amount of CGEGIS will be given to the employee
    the service period begin and subscription was made as under:
    CGEGIS subscription started : May, 84 to Dec. 89 @ Rs. 10
    Jan, 91 to Sept. 93 @ Rs. 15
    Oct. 93 to March, 97 NIl due to EOl
    April, 97 to June, 97 Rs. 15
    Jan, 98 to June, 98 Rs. 15
    August, 98 to Nov. 98 Rs. 15
    Dec. 98 to June, 04 Rs. Nil due to EoL
    JUly, 04 to Dec. 10 Rs. 15
    Jan, 11 to Sep. 17 Rs. 30

  4. Kindly help me to calculate the cgegis amount of central govt employee with example who retired on superannuation on 29.02.2016. His contribution is as under
    wef 1/1982 to 12/1989=Rs.20
    wef 1/1990 to 12/2009=Rs.30
    wef 1/2010 to 2/2016 =Rs.60

  5. i was removed from service some allegation in the month of June-2016 on that day onwards my subscription was not paid by me. if i am willing to with draw from the scheme, i will take the recovered amount from the scheme. if not possible how it will be continue. please clarify my doubt.

  6. If one’s grade pay increased to is 4800/ on MACP then what is the monthly subscription for cgegis rs 60/ or Rs 30/ since 4800/ got only through MACP and not on promotion kindly clarify

  7. As per DOPTO.M. No. 11021/7/2008-Estt(A), dated 17/04/2009 regarding reclassification of posts in the PB-2: ` 9300-34800 carrying Grade Pay of Rs.5400, ` 4800, ` 4600 & ` 4200 as Group B from January,2010 onwards, Hence deduction amount will be Rs. 60/- p.m. from January,2010 onwards,

  8. I SMT BONAFACIA.S.M.DCOSTA AS OF DATE 10.1.2018 NOT RECEIVED MY CGEGIS AMOUNT ALTHOUGH I RETIRED ON 31.07.2018. I WOULD LIKE TO KNOW THE TOTAL AMOUNT I SHOULD GET WITH INTEREST IF ANY.WORKED FOR 34YEARS 8
    MONTHS AND 20 DAYS. I RECEIVED ALL MY DUES EXCEPT THIS I DONT KNOW WHETHER I WILL GET THE AMOUNT AS ALL MY DUES I GOT EXCEPT THIS AMOUNT .I DONT KNOW IF OTHER RETIRED OFFICIAL RECEIVED THIS AMOUNT OR NOT.

  9. I retired as sr. Audit officer from o/o the Pr. AG Karnataka on 31-08-2015. For want of postings in my SB as to deduction of amount against CGEGIS Fund final entitlement towards the insurance has not been made so far. I afirm that there has been no break in service nor any withold of salary throughout my service. Request procedure/orders to inform my office for release of the entitlement.

  10. I retired from Central Government Service on 31.07.2012. I joined in GR-C in July,1977 and promoted to GR-B in July,1994 on adhoc basis.I became regular in GR-B in February,1996. While I was in GR-C Rs 30/ was deducted towards CGEGIS. From 1.1.1995 the amount of deduction was increased to Rs60/. Now the Pay and Accounts Officer have calculated the amount payable to me considering the amount of deduction as Rs30/ for the entire period of 1.1.1995 to 31.12.1996 although during the said period the amount of deduction was Rs60/. He is giving the reason that it is correctly calculated in terms of Para-5.3 and Para-5.4 of Swamy Hand Book on CGEGIS. To my knowledge his interpretation of the said Para is not correct. And how the department is authorised to withhold my money even if recovered in excess due to mistake of law. Please give your comment on the issue.

  11. I m working under dte of education, govt of NCT delhi. In my UTGEIS deductions for last 2 yrs were wrongly done as RS.60/- per month instead of Rs. 30/- per month. Now it has been corrected and Rs. 30/- is being deducted from this month i.e october .So I want to apply for the refund of excess amount deducted. please guide me to whom I’ve to apply for refund and what documents are required as proof .

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