Central Government Health Scheme (CGHS) — Bhagalpur
Dedicated comprehensive health insurance and wellness network for Central Government staff and pensioners in Bhagalpur.
Sum Insured / Cover
Comprehensive Comprehensive Cashless (No Upper Ceiling)
Annual Premium
₹250 – ₹1,000 / month (Pay-grade linked)
Claim Settlement
100% (Direct Government Settlement)
Network / Scope
85 Empaneled
✦ Key Benefits & Policy Coverage
Comprehensive primary OPD, diagnostic investigations, and cashless tertiary inpatient care across all CGHS wellness centres and empaneled multi-specialty private hospitals in Bhagalpur. 100% reimbursement for emergency treatment in non-empaneled hospitals as per CGHS approved rates.
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
Restricted strictly to Central Government employees, pensioners, and eligible dependents. General public not eligible. Empaneled private hospital treatment requires mandatory online or physical referral from CGHS Wellness Centre Medical Officer (except for senior citizens 70+).
✦ Eligibility Requirements
Serving Central Government civilian employees, Central civil pensioners, sitting/former MPs, judges of Supreme Court and High Courts, and accredited journalists residing in Bhagalpur.
✦ Application, Enrollment & Claims Process
1. Apply online via cghs.nic.in using employee/PPO code.
2. Submit subscription deduction mandate or pay annual/life subscription.
3. Collect plastic CGHS beneficiary card from Additional Director CGHS office in Bhagalpur.
4. Book doctor appointments online at cghs.nic.in for local wellness centers.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
PPO / Service Identity Certificate, Last Pay Certificate, Aadhaar Card, Passport photos of primary cardholder and dependents, proof of residence in CGHS covered area.
✦ Life Situations Where This Scheme Helps
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Health Emergency & Medical Care
Cashless hospital treatment up to ₹5 Lakh, free essential medicines, diagnostic services, and critical illness financial support.
Senior Citizens & Retirement Care
Guaranteed pension schemes, free assisted living devices, subsidized healthcare, and geriatric welfare for elderly citizens.
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India