alexa
Indianmoney.com Missed Call Number

What is your Credit Score? Get FREE Credit Score in 1 Minute!

Get Start Now!
Home Articles Health Insurance for Government Employees

Health Insurance for Government Employees

IndianMoney.com Research Team | Updated On Friday, July 19,2019, 05:06 PM

5.0 / 5 based on 1 User Reviews

Health Insurance for Government Employees

 

 

The government has taken major initiatives to ensure basic healthcare facilities to government employees and their families. The ESIS and CGHS scheme are the two initial forms of health insurance introduced in India to bring the working population under social security schemes. Listed below are some popular health insurance schemes which cover medical expenses of employees and pensioners and reduce out-of-pocket expenses.

Want to know more on Health Insurance? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.

Health Insurance for Government Employees

ESIS: Employee State Insurance Scheme:

The Employee State Insurance scheme is a comprehensive health insurance plan, designed to offer social security to the employees of the State government.

The scheme aims to provide socio-economic protection to employees and their dependents. The scheme ensures full medical cover to the policyholder and dependents and the beneficiary is entitled to a variety of cash benefits in case of ailments, partial or total disability and so on, resulting in loss of income.

Cover is offered in case of industrial accidents and occupational hazards. The ESIS schemes are applicable to government employees working in an organisation having more than 10 employees.

See Also: National Health Insurance Scheme in India

Benefits of the Employee State Government Scheme:

  • The scheme not only covers the insured, but also his dependents.
  • The scheme offers benefits in case of loss of income in an accident resulting in partial or total disability after being insured for 3 or more years.
  • The scheme starts from the time of employment (first job) and offers insurance cover for medical expenses of the insured.
  • The scheme also encompasses medical benefits for industrial accidents and occupational hazards leading to loss of income.

Areas Covered:

States: All States excluding Manipur, Sikkim, Arunachal Pradesh and Mizoram.

Union territories: Delhi and Chandigarh.

See Also: Best Health Insurance Plans in India

CGHS: Central Government Health Scheme:

The Central Government Health Scheme is a social security scheme which offers health care facilities to central government employees and pensioners along with their dependents. This scheme has been launched by the central government to provide comprehensive coverage to pensioners and reduce out-of-pocket expenses. The scheme covers pensioners living in cities covered under the CGHS scheme. The scheme offers medical insurance for domiciliary, F.W and M.C.H services.

The beneficiaries can avail speciality services and consultation at dispensaries, hospitals and polyclinics. The beneficiaries are entitled to a host of other facilities and benefits which helps avail medical attention and care.

Benefits of Central Government Health Scheme:

  • Helps to avail dispensary services including domiciliary, F.W and M.C.H services.
  • Encompasses medical insurance for services and consultation at dispensaries, hospitals and polyclinics.
  • Covers the cost of hospitalization and medical /laboratory tests.
  • Provides health education to the beneficiaries.

See Also: Government Health Insurance Schemes In India

Central Government Employee and Pensioners Health Insurance Scheme (CGEPHIS):

This is a government initiative that was introduced to offer health insurance to government employees and pensioners, based on the recommendations made by the sixth pay commission.

The scheme is customized to offer social security benefits to current central government employees and pensioners. The beneficiaries of this scheme are all central government employees including officers, government office employees and staff who are covered under the CGHS scheme.

The scheme offers insurance up to Rs 5 lakhs for beneficiary and his dependents. The insured can avail cashless facility using smart cards. The scheme offers insurance cover to a maximum of 6 members (This is for government employees) and covers a maximum of 3 members for pensioners.

Insurance Coverage Under CGEPHIS:

  • Pre-existing disease
  • Maternity benefit
  • Domiciliary hospitalization
  • Coverage for new-born baby
  • Pre-hospitalization coverage up to 30 days
  • Post-hospitalization coverage for up to 60 days

Features of the CGEPHIS scheme:

  • The scheme is compulsory for new joiners to central government jobs.
  • The scheme will cover new pensioners.
  • The scheme is available voluntarily for the existing central government employees and pensioners who are covered under the CGHS scheme. However, to enrol under this scheme, you must opt-out of the CGHS scheme.
  • All the beneficiaries receive insurance coverage across lifetime.

You May Also Watch

Keep your Financial Cognizance up to date with IndianMoney App. Download NOW for simple tips & solutions for your financial wellbeing.

Have a complaint against any company? IndianMoney.com's complaint portal Iamcheated.com can help you resolve the issue. Just visit IamCheated.com and lodge your complaint. If you want to post a review on any company you can post it on Indianmoney.com review and complaint portal IamCheated.com.

Be Wise, Get Rich.

Related Articles

 

Did you find this article useful? You can Rate us
5.0 / 5 based on 1 User Reviews
Article Author

IndianMoney.com Research Team

The research team at IndianMoney.com comprises of certified and experienced professionals who share the company's vision to make every Indian financially literate by equipping every Indian with right and unbiased advice. IndianMoney.com research team provides newsletters, articles, videos and FAQs on various financial products and concepts only to help you make wise financial decisions.

What is your Credit Score? Get FREE Credit Score in 1 Minute!

Get Start Now!
CIBIL Meter
Get It now!
Attention!

This is to inform that Suvision Holdings Pvt Ltd ("IndianMoney.com") do not charge any fees/security deposit/advances towards outsourcing any of its activities. All stake holders are cautioned against any such fraud.