Central Government to Launch - New Health Insurance Schemes

Central Government Employees & Pensioners New Health Insurance Scheme

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*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

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL