A government job is full of perks and facilities which are not fully advertised at the time of publishing vacancies. In the absence of this vital information in the public domain, many candidates make poor choices and regret later. Well, here is the detailed article from an insider on the medical facilities granted to a public servant.
Note that the facilities described in this article apply to both the jobs i.e. ITI and SI in CBI as both are central government jobs with equal grade pay of Rs. 4600/-.
Medical health insurance facility is provided to the central government employees by the Central Government Health Scheme (CGHS). For this purpose, they deduct a sum of about Rs. 650/- per month from the salary of the personnel. This CGHS facility is available to the employee as well as his dependent family members.
CGHS has a large number of empanelled hospitals in almost every big city. Presently, CGHS facility is available in 27 cities. These cities are:
10. Delhi & NCR
A detailed FAQs about the eligibility and diseases covered can be read from here.
Following facilities are covered under CGHS:
- OPD Treatment including the issue of medicines.
- Specialist Consultation at Polyclinic/Govt. Hospitals.
- Indoor Treatment at Government and Empanelled Hospitals.
- Investigations at Government and Empanelled Diagnostic centers.
- Cashless facility available for treatment in empanelled hospitals and diagnostic centers for Pensioners and other identified beneficiaries.
- Reimbursement of expenses for treatment availed in Govt. /Private Hospitals under emergency.
- Reimbursement of expenses incurred for the purchase of hearing aids, artificial limbs, appliances etc. as specified.
- Family Welfare, Maternity, and Child Health Services.
- Medical consultation and dispensing of medicines in Ayurveda, Homeopathy, the Unani and Siddha system of medicines (AYUSH).
Most of the hospitals covered in the CGHS have the cashless card facility. If the medical bills are huge, you can get a letter of recommendation written by your supervisor and avail of this facility.
A government servant is entitled to claim 15 medical leaves every year provided he produces a medical certificate to this effect. If he needs more time than that, then leaves will be deducted from his Earned Leaves (EL) quota. If he exhausts his EL quota, then he will be on LWP (Leave Without Pay) for that period.
There is no cap on the amount of expenditure which can be claimed by the applicant. However, the specific diseases which are covered by the CGHS Insurance scheme have been explicitly defined in its terms and conditions.
In smaller cities, where no facility of CGHS is available, no money is deducted from your salary. To cover yourself and your family, you can get insurance from any private health insurance company. It is a bit costly but works great in the absence of CGHS facility.
Thanks for reading.
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