{"id":1293611,"date":"2025-04-15T09:56:53","date_gmt":"2025-04-15T04:26:53","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1293611"},"modified":"2025-04-15T09:57:27","modified_gmt":"2025-04-15T04:27:27","slug":"50-lakh-govt-employees-can-get-new-health-insurance-scheme-cghs-can-be-replaced","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/50-lakh-govt-employees-can-get-new-health-insurance-scheme-cghs-can-be-replaced\/","title":{"rendered":"50 lakh Govt Employees Can Get New Health Insurance Scheme; CGHS Can Be Replaced"},"content":{"rendered":"\n<p>The <strong>8th Pay Commission<\/strong>, formed in January 2025, is expected to go beyond recommending salary hikes. One of its key tasks? Reviewing and possibly <strong>revamping the Central Government Health Scheme (CGHS)<\/strong>, which provides medical care to central government employees, pensioners, and their dependents.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"570\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-15-at-9.56.02\u202fAM-1024x570.png\" alt=\"\" class=\"wp-image-1293629\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-15-at-9.56.02\u202fAM-1024x570.png 1024w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-15-at-9.56.02\u202fAM-300x167.png 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-15-at-9.56.02\u202fAM-768x427.png 768w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-15-at-9.56.02\u202fAM-1536x855.png 1536w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-15-at-9.56.02\u202fAM.png 1880w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">What Is CGHS?<\/h3>\n\n\n\n<p>The <strong>Central Government Health Scheme (CGHS)<\/strong> offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consultations<\/li>\n\n\n\n<li>Diagnostics<\/li>\n\n\n\n<li>Medications<\/li>\n\n\n\n<li>Hospital care at subsidized rates<\/li>\n<\/ul>\n\n\n\n<p>However, its <strong>reach is limited<\/strong>, and services are not uniformly available across the country. This has <a href=\"https:\/\/www.financialexpress.com\/money\/8th-pay-commission-govt-to-replace-cghs-with-a-new-healthcare-scheme-for-central-employees-3805666\/\">prompted<\/a> calls for a more <strong>comprehensive and practical health coverage system<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Past Recommendations: What Did 6th &amp; 7th Pay Commissions Say?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udfe2 6th Pay Commission:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proposed an <strong>optional contributory health insurance scheme<\/strong><\/li>\n\n\n\n<li>Suggested making it <strong>mandatory for future recruits<\/strong><\/li>\n\n\n\n<li>Recommended coverage for <strong>pensioners retiring after the scheme is launched<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udfe2 7th Pay Commission:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Strongly backed <strong>health insurance as a better long-term solution<\/strong><\/li>\n\n\n\n<li>Urged empanelment of CS(MA) and ECHS hospitals for pensioners outside CGHS<\/li>\n\n\n\n<li>Highlighted the need to <strong>strengthen CGHS administrative capacity<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">What\u2019s New Under 8th Pay Commission?<\/h3>\n\n\n\n<p>As of January 2025, reports suggest the <strong>Health Ministry is considering replacing CGHS<\/strong> with an <strong>insurance-based model<\/strong> called:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Central Government Employees and Pensioners Health Insurance Scheme (CGEPHIS)<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>This scheme would be implemented via <strong>IRDAI-registered insurers<\/strong>, though <strong>no official confirmation<\/strong> has been provided yet.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Why It Matters<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Millions depend on CGHS<\/strong>, but face service gaps<\/li>\n\n\n\n<li>Health reforms could bring <strong>cashless, wider coverage across India<\/strong><\/li>\n\n\n\n<li>Employees and pensioners are hoping the 8th Pay Panel <strong>resolves this long-standing issue<\/strong><\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.businesstoday.in\/personal-finance\/insurance\/story\/cghs-card-rules-health-ministry-revises-guidelines-for-central-govt-employees-471832-2025-04-13\">Image Source<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>The 8th Pay Commission, formed in January 2025, is expected to go beyond recommending salary hikes. One of its key tasks? Reviewing and possibly revamping the Central Government Health Scheme (CGHS), which provides medical care to central government employees, pensioners, and their dependents. What Is CGHS? The Central Government Health Scheme (CGHS) offers: However, its [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1293629,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[7589,6637],"class_list":["post-1293611","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-cghs","tag-health-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>50 lakh Govt Employees Can Get New Health Insurance Scheme; CGHS Can Be Replaced - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/50-lakh-govt-employees-can-get-new-health-insurance-scheme-cghs-can-be-replaced\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"50 lakh Govt Employees Can Get New Health Insurance Scheme; CGHS Can Be Replaced - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"The 8th Pay Commission, formed in January 2025, is expected to go beyond recommending salary hikes. 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