Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹300/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹300/month*
Get ₹5 Lac Health Insurance starts @ ₹300/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Central Government to Launch - New Health Insurance Schemes

Central Government Employees & Pensioners New Health Insurance Scheme

Central Government will soon be launching a new National health insurance scheme named as CGEPHIS (Central Government Employees & Pensioners Health Insurance Scheme). Designed specifically for central government employees and pensioners, this scheme is expected to cover about 7 Lakh pensioners and 17 Lakh serving employees.

Offering maximal coverage for a minimal premium, it’s one of the best health insurance plans to ever been introduced in India and would definitely bring a change in the features of the private health insurance plans as well,especially senior citizen health insurance.

 

New Health Schemes by Central Government

The scheme is largely being perceived as an upgraded alternative to the current CGHS scheme which works well for those residing in CGHS covered areas but fails to address the needs of those residing in Non-CGHS areas.  Apparently, this scheme is going to bring the latter immense benefits.

Who all are covered in this Government Health Insurance scheme?

This health insurance scheme will benefit newly recruited, serving and retired central government employees. Serving employees and pensioners will have the voluntary option to switch from their CGHS scheme to CGEPHIS. However, it will be mandatory for newly recruited and newly retired. 

What does the Central Government Health Insurance Scheme Cover?

It is a family floater plan that will get the insured coverage for self, spouse and dependents. At a nominal premium, the plan will feature an annual coverage of 5 Lakh and will cover all the specified family members.  The government is trying to get it implemented on a cashless basis via smart card (Cashless Access Service).

The coverage will include pre-existing diseases, pre-hospitalization, post-hospitalization, maternity benefit and domiciliary hospitalization.

What Makes it one of the Best health plans?

CGEPHIS will provide coverage for all diseases starting from day one. Most of the health insurance plans have a specific waiting period before disease starts to get covered in the plan.

CGEPHIS Other Plans
No initial waiting period 30 days waiting period
No waiting period for the pre-existing diseases 4 years waiting period
No waiting period for specific diseases like cataract, hernia, etc. 2 years waiting period

There’s no limited term for the insurance. The insured will get the coverage until his/her survival.

CGEPHIS is purported to be the best health insurance plan around. A utopian version of senior citizen health insurance, it surely is a lucrative scheme especially considering the bitter fact that that with age it gets harder to get a decent coverage under most health insurance plans. 

When you compare health insurance plans from private insurers to CGEPHIS, the former seems to lose its sheen. But the biggest limitation of this seemingly perfect plan is that is limited to central government employees, CGEPHIS will serve just a miniscule section of the insurers in the market. In no way, it is going to benefit layman and senior citizens as such.

You May Also Want to Know About

Best Health Insurance Plans in India 2020

Best Health Insurance Plans in India 2020

Health insurance is amongst the most intricate insurance products, as it comes with numerous riders and benefits, and hence, there are so many variants to it. The insurance marketplace nationwide is quite competitive. You must consider comparing th...
Best Health Insurance Companies in India

Best Health Insurance Companies in India

Every year, a list of top health insurance companies in India is declared which helps in taking the right insurance decision. There are few important features that help it to rate the insurance companies, such as their performances, Incurred Claim ...
Top Maternity Insurance Plans

Top Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From ho...
Health Insurance Companies in India

Health Insurance Companies in India

There are lots of options as far as health insurance companies are concerned as both public as well as private health insurance providers are offering health insurance coverage in India. Every health insurance company offers different health insura...
Top Family Health Insurance Policies in India 2020

Top Family Health Insurance Policies in India 2020

From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to adulteration. Due to this, the disease rate in India is rising drastically. Naturally, more and more people are visiting hospitals frequently. A...