Retirement Benefits  

Pension
1. The minimum eligibility period for receipt of pension is at least 10 years of qualifying service.
2. In the case of Family Pension the widow is eligible to receive family pension on death of her
spouse after completion of one year of continuous service or even before completion of one
year if the employee had been examined by the appropriate Medical Authority and declared
fit for Government service.
3. W.e.f 1.1.2006, Pension is calculated with reference to emoluments (i.e.last basic pay) or
average emoluments (i.e. average of the basic pay drawn during the last 10 months of the
service) whichever is more beneficial. The amount of pension is 50% of the emoluments
4. Minimum pension presently is Rs. 9000 per month. Maximum limit Rs. 1,25,000 per month.
Pension is payable up to and including the date of death.

Commutation of Pension
1. A Central Government servant has an option to commute a portion of pension, not exceeding
40% of it, into a lump sum payment. No medical examination is required if the option is
exercised within one year of retirement. If the option is exercised after expiry of one year,
he/she will have to under-go medical examination by the specified competent authority.
2. The formula for arriving for commuted value of Pension (CVP) is CVP = 40 % (X) Commutation
factor* (X)12
3. The monthly pension will stand reduced by the portion commuted and the commuted portion
will be restored on the expiry of 15 years from the date of receipt of the commuted value of
pension. Dearness Relief, however, will continue to be calculated on the basis of the original
pension (i.e. without reduction of commuted portion).

Death/Retirement Gratuity
1. Retirement Gratuity: A minimum of 5 years' qualifying service. There is no minimum limit
for the amount of gratuity to a maximum of Rs. 20 lakhs.
2. Death Gratuity: This is a one-time lump sum benefit payable to the nominee on death of
employee. ployee dying in harness. There is no stipulation in regard to any minimum length
of service rendered by the deceased employee. Entitlement of death gratuity is regulated as
under:
Qualifying Service Rate
Less than one year 2 times of basic pay
One year or more but less than 5 years 6 times of basic pay
5 years or more but less than 11 years 12 times of basic pay
11 years or more but less than 20 years 20 times of basic pay
20 years or more Half of emoluments for every completed 6
monthly period of qualifying service subject
to a maximum of 33 times of emoluments.
Maximum amount of Death Gratuity admissible is Rs. 20 lakhs w.e.f. 1.1.2016
ServiceGratuity
A retiring Government servant will be entitled to receive service gratuity (and not pension) if total
qualifying service is less than 10 years. Admissible amount is half months basic pay last drawn
plus DA for each completed 6 monthly period of qualifying service. This one time lump sum
payment is distinct from retirement gratuity and is paid over and above the retirement gratuity.

Issue of No Demand Certificate: Dues owed by the retiring employees on account of Licence Fee
for Government accommodation, advances, over payment of pay and allowances are required to
be assessed by the Head of Office and intimated to the Accounts Officer two months in advance
of the date of retirement so that these are recovered from retirement gratuity before payment.
For this purpose the Licence Fee for those in occupation of Government accommodation is taken
into account up to the end of the permissible period for which accommodation can be retained
after retirement under the Rules on normal rent. The recovery of Licence Fee beyond that period
is the responsibility of the Directorate of Estates.
If, for any reason final dues cannot be assessed on time, then 10% of gratuity is withheld from
gratuity on the basis of a commutation from the Directorate of Estates in this regard.

General Provident Fund and Incentives

 As per General Provident fund (Central Services) Rules, 1960 all temporary Government
servants after a continuous service of one year, all re-employed pensioners (Other than
those eligible for admission to the Contributory Provident Fund) and all permanent
Government servants are eligible to subscribe to the Fund. However, these rules are not
applicable to any of the Government Servants who join service on or after 1.1.2004.
 A subscriber, at the time of joining the fund is required to make a nomination, in the
prescribed form, conferring on one or more persons to receive the in the event of his death,
 A subscriber shall subscribe monthly to the Fund except during the period when he is
under suspension.
 Subscriptions to the Provident Fund are stopped 3 months prior to the date of
superannuation.
 The conditions for withdrawal from the fund have been liberalized and now no documentary
proof is required to be furnished by the subscriber for GPF withdrawal.

Deposit Linked Insurance Scheme

 Under the GPF Rules, on the death of subscriber, the nominee shall be paid an additional
amount equal to the average balance in the account during the 3 years immediately
preceding the death of the subscriber
 The additional amount payable under that Rule shall not exceed Rs. 60,000/-.
 To get this benefit, He/She should be at least 5 yrs service at the time of his/her death.

Contributory Provident Fund

 Applicable to every non-pensionable servant of the Government
 at the time of joining the Fund is required to make a nominee conferring on one or more
persons to receive the amount in the event of his death,
 A subscriber shall subscribe monthly on duty or Foreign Service but in suspension.
 It shall not be less than 10% of the emoluments and not more than his emoluments.

Leave Encashment : Encashment of leave is a benefit granted under the CCS (Leave) Rules and
is not a pensionary benefit. Encashment of Earned Leave/Half Pay Leave standing at the credit
of the retiring Government servant is admissible to a maximum of 300 days.

Central Government Employees Group Insurance Scheme

 A portion of monthly contributions paid while in service is credited in a Saving Fund, on

which interest accrues. A Government servant while entering service has to apply in Form
No. 4 of the above Scheme to the Head of Office
 Payments under this Scheme are made in accordance with the Table of Benefit (as issued
by Department of Expenditure)
 Insurance cover benefit under this Scheme is available to the family in the event of death of
the subscriber.
 
LEGAL TERMS  
 
 Adjournment: is a temporary postponement to a case
 Administrator: the person appointed to oversee an estate in the event that no will is written
 Affidavit: A sworn written statement
 Alimony: also known as “maintenance” and “spousal support”, alimony is the money paid by
one spouse to another following a divorce
 Annul: to void
 Annulment: is a legal decree stating that a marriage was not valid – not to be confused with
“divorce”
 Appeal: a request to a higher court to overturn the judgment of a lower one
 Arbitration: a method of amicable dispute resolution
 Arraignment: the initial appearance before a judge in a criminal case – it is at this hearing
that a defendant can enter a plea, ask to post bail, and, if the defendant cannot afford one,
have a court lawyer appointed
 Article of Incorporation: is a document filed with the state incorporating a limited liability
company
 Assignment: is the transfer of legal rights from one person to another – not the same as an
novation, which is the transfer of legal obligations from one person to another
 Award: a decision, usually by an arbitrator, in favor of a plaintiff or defendant, as the case
may be
 Bail: money paid to the court to guarantee the defendant’s attendance at court at a later date.
Money paid is more commonly known as a bail bond
 Bankruptcy: a process governed by federal law where a person cannot pay bills when due
and payable – chapter 7 and chapter 13 bankruptcy actions
 Beneficiary: the person named as such in a will or insurance policy. A beneficiary may also
be the equitable named person under a trust, where the legal owner is the trustee
 Board of Directors: a group of individuals who run a company on behalf of the shareholders
 Brief: a legal document that sets out the legal arguments in a lawsuit
 Burden of Proof : is the duty, in law, to show, according to the facts, that the allegations to
the lawsuit are either false or true – depending on the nature of the case
 Capital Gain / Loss: the profit or loss, as the case may be, from the sale of an asset – such
as your home. Ordinarily, but not always, capital gain will be taxed
 Cause of Action: is the reason/grounds on which the legal action is being submitted/brought
 Caveat Emptor: Latin meaning “buyer beware”, this legal doctrine means that if you do not
take due care when buying something, you cannot take your case before the courts
 Certified Copy: also known as “certified true copy”, this is a document signed as being a true
copy of the original
 Certify: to testify in writing
 Class Action Lawsuit: is where two or more plaintiffs join together to bring a case against
another
 Collateral : is the security you agree to put down on a loan and which you will have to forfeit
in the event that you cannot repay the loan – also known as “security”
 Complaint: is a civil law action that initiates a lawsuit
 Condition: are circumstances which are essential to the ascertain of a right; for example, it
may be a condition to a loan that you give security, without giving security, you do not have
the right to the loan
 Conflict of Interest: means that you have competing interests in something that would make
it difficult or impossible for you to fulfill your duty impartially
 Consideration: is the thing, usually money, which you pay, under a contract, in exchange for
getting something else
 Contract: is a legal agreement entered into between two or more persons, known as “parties
to the contract”, whereby an offer is made and accepted
 Costs: the sum awarded to the successful party to a lawsuit – and usually amount to the
“costs”, including legal fees, of having brought the case
 Counsel: legal representative: lawyer or attorney
 Creditor: someone to whom you owe money
 Custodian: person appointed to manage and disperse funds on behalf of a child – unlike a
trustee, a custodian is normally a court order persons
 Damages: money paid to someone who has suffered injury or loss as a result of an action by
a third party
 Debtor: someone who owes money to a creditor
 Decision: the verdict of a court in a case
 Deed : a written legal document describing a piece of property and setting out the boundaries
of that property
 Default: is the failure to do something required of you under contract – an obligation.
Ordinarily the obligation is to pay money, which is you do not pay, would mean you are in
default of the contract
 Defendant is the person who has charges to answer (criminal), or is being sued (civil)
 Defined Benefit/Contribution Plan: essentially both a defined benefit plan and a defined
contribution plan are forms of 401(k) retirement plans
 Deposition is where a witness testifies under oath and you have pre-trial discovery to
determine whether or not the deposition is in fact true
 Discovery: the process, pre-trial, where each party to a case will ask for documentation and
information relevant to their case
 Dismissal: the termination of a case
 Double Jeopardy: is the process of being tried twice for the same crime/offence
 Due Process: is a legal doctrine that a person’s trial proceeding be fair
 Easement: a right given to one person to enter the property of another without having to ask
permission each time – for example, the telephone/cable lines going into your home are an
easement right
 Encumbrance: is a claim on your property title – for example, a mortgage
 Escrow: money paid into an account in the name of a third party which is then released once
certain conditions have been fulfilled
 Escrow Agent: the person appointed to look after the escrow account
 Estate: all of the property of a deceased person
 Evidence : documents, etc. that prove a claim as to facts
 Executor: person named in a will to dispense the estate
 Exempt Property: property which cannot form part of a bankruptcy lawsuit – usually work
related property, such as the tools needed for work
 Exhibit: document, evidence, provided to a court to support a claim
 Fault: to be at “fault” means that you are to blame for something
 Felony: a crime the nature of which is serious enough for you to spend 1 or more years in jail
 Fiduciary Duty: is where you have an obligation to act in the best interest of a third party
 Fine: punishment imposed for an offence
 Foreclosure: occurs when a borrower cannot repay their debts and the creditor forecloses
and sells the property – such as a house
 Franchise: a business relationship whereby the owner of a business licenses others to use
the name of his business
 Good Faith: is to act honestly and without deception
 Grand Jury: is a group of civilians convened to determine whether or not a criminal case has
enough merit to proceed to trial
 Grantor: the person who establishes a trust on behalf of the beneficiaries
 Guarantee: a legal agreement under which a person agrees to guarantee the obligations of
another
 Guarantor: the person who provide a guarantee on behalf of another
 Heirs : person entitled by law to inherit the estate of a deceased person
 Implied: means to give the appearance – thus, you have “implied warranty”, which means
that you have given the appearance that there was a warranty, even if there was not one
 Incompetency: to lack legal qualification or fitness to discharge a legal duty
 Indemnity: to provide an undertaking to secure against loss or damages in the event of certain
events – in other words: “compensation”
 Injunction: a court order requiring you to stop doing something
 Intestate: means to die without having left a will
 Joint Custody: means that both parent have equal rights to a child following a divorce
 Joint and Several Liability : means that you agree to be jointly and individual liable for a debt
with another person
 Judgment: the official decision given by a court
 Jurisdiction: the court’s authority to hear your case
 Jury: group of twelve citizens charged with hearing your case
 Lease: a legal agreement to lend/hire something to a third party.
 Lemon Laws: laws that require manufactures to repair defective cars
 Lessee: the person who hires something from a lessor
 Lessor: the person who leases something
 Liability: a duty or obligation for which you’re a legally responsible
 Lien: is a charge over your property = such as a mortgage
 Limited Liability Company : is a business that has shareholders who are limited in liability
to the contribution of the fully paid up share
 Living Will : is a legal document that sets out a person’s wishes should they become
incapacitated
 Maintenance: money paid to a spouse in the event of a divorce (also known as alimony)
 Minor: a person under the legal age of consent (18)
 Motion: a request made to a judge asking him to rule on an issue of law
 Natural Person: an individual – as opposed to a company or partnership
 Negligence: a failure to use a degree of care
 Notary Public: person authorized to witness documents
 Oath: to swear to tell the truth
 Order: direction (written or oral) of a court
 Petition: written application to the court asking the court to take action on a specific matter
 Plaintiff: the person who starts/commences a lawsuit
 Pleadings: applies in civil cases and are the allegations made by each of the parties to the
case
 Power of Attorney: a legal document authorizing another to act on you behalf
 Probate: the legal process where the court oversees the distribution of property under a will
 Proceedings: the process of a lawsuit
 Promissory Note: a written document under which a person promises to pay another money
on a given date and pursuant to specified terms set out in the promissory note (also known
as a “PN”)
 Quid Pro Quo: is a Latin term which means you’ll get something for having given something
 Real Property: means land and all things attached to the land
 Reasonable: means a level that an ordinary person would be expected to have, e.g.
“reasonable care” means the level of care expected from a reasonable person
 Reply: a plaintiff’s response to a defendant’s answer
 Security Agreement: means a contract under which you agree to give security as collateral
for a loan in the event that the loan is not repaid
 Settlement: is an agreement or decision in a civil case
 Shareholder: someone who hold shares in a limited company
 Standard of Care: degree of care required to prevent injury to another
 Statute of Limitations: is the period prescribed by law within which you have to file a lawsuit,
otherwise you forfeit your right to being an action
 Strict Liability: means that even if there is no proof of negligence, you can still be found guilty
of an offence
 Subpoena : legal order compelling you to appear in court
 Summons: a legal document notifying you that a lawsuit has been initiated against you and
how and where you must answer the claim
 Testator: person who make a will
 Tort : a civil wrong
 Trust: property given to a trustee to manage on behalf of beneficiaries
 Trustee: person charged with looking after property under trust
 Verdict: formal decision by a jury/court on the facts of a case
 Witness : a person who gives evidence in court under oath or who signs a document to
testify/certify that the person who signed the document was who he claimed to be
 Worker’s Compensation: paid to a worker who suffers a work related injury or illness
 Writ: a judicial order

Supreme Court of India is the apex court. It was founded on 26 January, 1950 and is
mentioned in the Part V of the Chapter V of the Constitution of India. It is the uppermost
court of appeal. Judges of Supreme Court are appointed by the President of India
1. From which source India got concept of Single order of court? Govt. of India Act, 1935
2. Which qualification is wrong for being a judge in the Supreme Court?
(A) It is compulsory to be a citizen of India. (B) He should be a respected jurist in the eyes of
Parliament (C) Must be a judge in the High Court for at least 5 years (D) He should be a lawyer
in the High Court for at least 10 years

3. Which statement regarding the tenure of judges of Supreme Court is not correct?

(A) Judge of the Supreme Court can remain in office till the age of 65 years.
(B) Judge of the Supreme Court, gives his resignation letter to the Chief Justice
(C) On the recommendation of Parliament he can be removed by the President.
(D) Supreme Court judge can be removed only in the condition of misconduct.

4. Who can remove the Judge of the Supreme Court?

(A) Chief Justice of the Supreme Court

(B) Only President
(C) Only Parliament
(D) Both Parliament and President
6. The President can declare a judge an executive chief justice of the Supreme Court of India
when ...

(A) The post of Chief Justice is vacant

(B) Chief Justice is temporarily absent
(C) Chief Justice is unable to discharge his obligations
(D) All of the above

8. Who among the following has the right to establish the bench of Supreme Court elsewhere in
the country? Chief Justice of the Supreme Court has the right to allow to establish the bench of
the Supreme Court elsewhere in the country with prior approval of the President.
9. Which of the following Article talks about the establishment of the Supreme Court? 124
CGHS (Central Government Health Scheme’1954

 The CGHS (Central Government Health Scheme) started in 1954, with its headquarters at
New Delhi.
 Its main objective is to provide comprehensive medical care to the Central Government
employees that incorporate - both serving and pensioners including their dependent family
members.
 Under CGHS, diversified health services are provided through Allopathic, Indian (Ayurveda,
Yoga, Unani and Siddha) and Homeopathic systems of medicine.
 The specialized treatments are provided through various dispensaries/polyclinics across
India.
 The CMOs (Chief medical officers) and medical officers are in charge of the dispensaries for
the smooth functioning of the healthcare scheme.
The medical facilities are provided through Wellness Centres (previously referred to as CGHS
Dispensaries) and polyclinics under Allopathic, Ayurveda, Yoga, Unani, Sidha and Homeopathic
systems of medicines. The break-up of CGHS medical or healthcare facilities across India are
enlisted below:
 248 Allopathic dispensaries , 19 polyclinics ,Ayush dispensary/units ,3 Yoga Centres
 65 Laboratories ,17 Dental Units

This scheme is applicable to the following categories of people residing in CGHS covered

cities:

 All Central Govt. Servants paid from Civil Estimates (other than those individuals employed
in Railway Services, individuals employed under Delhi Administration except members of
Delhi Police Force).
 Pensioners drawing pension from Civil Estimates and their family members – (Pensioner
residing in non- CGHS areas also may obtain CGHS Card from nearest CGHS covered City)
 Honorable Members of Parliament
 Honorable Judges of Supreme Court of India
 Ex-Members of Parliament ,Employees & Pensioners of Autonomous Bodies covered under
CGHS (Delhi)
 Ex-Governors and Ex-Vice Presidents ,Former Prime Ministers
 Former Judges of Honorable Supreme Court and Honorable High Courts of India, Freedom
Fighters

AGE LIMIT FOR DEPENDANT CHILDREN

S. Dependants Age Limit
No.
(i) Son Till he starts earning or attains the age
of 25 years, whichever is earlier
(ii) Daughter Till she starts earning or gets married,
irrespective of age limit, which ever is
earlier
(iii) Son suffering from any Permanent disability Of Irrespective of age limit
any kind (physical/Mental)
(iv) Separated from their husband/widowed daughter Irrespective of age limit
and dependant divorced/Abandoned or
dependant Unmarried /Divorced/Abandoned or
Separated from their Husband/widowed sisters
(v) Minor Brother Upto the age of becoming a major
Salient Features The salient features of the CGHS Scheme are enlisted below:

 Dispensary services including domiciliary care.

 IPD (Indoor Patient) and OPD (Outdoor Patient) Services
 F. W. (Family Welfare) & M.C.H. (Maternal and Child Healthcare) Services
 Consultation facilities by Specialist and Super-Specialist Doctors provided at
dispensaries, polyclinics and hospitals , Various Diagnostic tests including X-Ray, ECG
and Laboratory (or Pathology) Examinations
 Hospitalization, Organization for the purchase, storage, distribution and supply of
medicines and other requirements pertaining to healthcare ,Health Education and
updating on related to CGHS beneficiaries.

Procedure for Reference

 Govt. CMO (Chief Medical Officer) In-charge of the dispensary gives professional and
personal advice to the patients regarding specific treatment or surgical procedure or
pathological tests required
 The requisite permission is granted by the CMO (Chief Medical Officer) In-charge to the
government employees to undergo such tests at one of the recognized Hospitals or
Diagnostic centre under the purview of Central Government Health Scheme.
 In case of retired government employees viz. pensioner CGHS beneficiaries, ex-Members
of Parliament, Freedom Fighters, ex-Governors, retired Supreme Court and High Court
judges etc. the permission to avail medical benefits provided under this CGHS is granted
by Chief Medical Officer In-charge of that concerned dispensary.
 In case of Honorable Members of Parliament, the requisite permission is granted by and
by Rajya Sabha Secretariat. In case of Serving Govt. employees, the requisite permission
to avail medical facilities is given by HOD (Head of the Department), as the case may be.
In case of serving employees and pensioners of Autonomous bodies covered under CGHS,
the requisite permission for availing healthcare benefits under CGHS scheme is acceded
by the respective HOD (Head of the Department) of such Autonomous institutions.
 If the beneficiary under this scheme seeks permission to avail healthcare products or
services from a CGHS recognized hospital in another CGHS city, other than the city from
where his/her name is registered, the prerequisite permission regarding the same shall
be granted by Addl. Director or Joint Director CGHS of the concerned city. However, in
such cases no TA (Traveling Allowance)/DA (Daily Allowance) shall be permitted. Similarly
no TA/DA allowances shall be granted, if the treatment facilities required by a particular
individual are available within the same city of his/her residence.
 TA (Travel Allowance) is permitted as per entitlement, if no treatment facilities are
available in the city of residence of that particular Government Employee. In case of
pensioners, medical reimbursement shall be considered by HOD (Head of Department) or
Joint Director or Additional Director of CGHS.
 Availing the facilities of OPD (Out-Patient Department) treatment in private hospitals is
not permitted under CGHS Act. Exception is granted only in case of satellite cities of Delhi
viz. Noida, Gurgaon, Faridabad and Ghaziabad. However, the CMO (Chief Medical Officer)
In-charge can directly refer the beneficiaries of this healthcare scheme to recognized
hospitals included under the ambit of this Act, incorporating post-operative follow-up
cases pertaining to Cardiac ailments, Cancer treatment, Kidney transplantation,
Hip/Knee Joint Replacement, Neurosurgery and RTA (Road Traffic Accident) related
cases.
 All OPD medicines should be collected through the concerned dispensary except in
instances of medical emergencies. In post-operative cases for the conditions as stated
above, permissible under the regulations of CGHS Act, the beneficiaries may purchase
their medicines from the chemist/pharmacist and thereafter claim for the reimbursement
of reasonably incurred medical expenses. However, Utilization Certificate from the
 treating physician or medical consultant is required to be submitted for claiming
reimbursement

CGHS Cards

Definition of Family: “Family” shall consist of the Government servant's wife or husband, as the
case may be, children and stepchildren and the government employee’s parents who are the
dependents and residing with the Government servant concerned. Based on the
recommendations made by the Sixth Central Pay Commission, aged parents, sisters, widowed
sisters, widowed daughters, minor brothers and children will be deemed dependent on the
Government employee, if they are residing with him or her as well as their income from all
sources including pension and pension equivalent of DCRG benefit is less than Rs. 3500 + DA
(Daily Allowance) per month, are entitled for availing medical facilities under the healthcare
scheme.

Entitlement of the Scheme : All Central Govt. Servants paid from Civil Estimates (other than
those employed in Railway Services and those employed under Delhi Administration except
members of Delhi Police Force) and dependant family members residing in cities where the
Healthcare Scheme is functional, are entitled for the medical facility benefits, under this CGHS
Scheme.

Transfer of Government Officials :

 In case a Central Government Employee is transferred to a city leaving behind his/her
family which remains uncovered from the ambit of CGHS Act, such a Government
Employee is not entitled for the medical benefits either for himself/herself or for his/her
dependant family members under the CGHS Act, but instead will be governed under
CS(MA) Rules and Regulations.
 In the event of posting or transfer of a Central Government Employee to North-Eastern
States, Andaman and Nicobar Islands & Lakshadweep and such an employee’s family
members continue to stay in a city or area covered by the healthcare scheme, CGHS
benefits can be availed by issuance of temporary family permit to the family members by
depositing usual contribution in advance. Under such circumstances, the Central
Government Employee himself/herself will be governed under CS(MA) Rule.

Temporary visit to a CGHS-covered City

 Central Government Employees and their dependent family members who are
beneficiaries of the CGHS, are touring or visiting other cities across India where the
scheme is operational and reside in areas covered under this CGHS Act, are entitled for
free medical attendance, consultations or treatment under the said scheme. [Necessary
permission for authorizing medical treatment as well as issuance of temporary cards in
any of the cities covered under CGHS Act, should be issued by the respective department
HODs (Head of Departments) in case of serving employees.]
 Medical treatment and healthcare facilities should be restricted to period not exceeding
six months. In case, if the medical treatment exceeds the duration of six months, fresh
sanction of authorities may be issued, if the same is deemed necessary based on the
merits of the case. Similar facilities are also made available to pensioners and their
dependent family members if they are holding or possessing CGHS Cards. In case of
pensioners, prerequisite permission shall be granted by CGHS of the city that they are
visiting or touring.

Production of CGHS Card

For deriving benefits and making usage of medical and healthcare facilities by the Government
Servants, the production of CGHS Card is obligatory on every visit to a dispensary or a hospital.
The CMO (Chief Medical Officer) In-charge will obtain a certificate from each pensioner after every
two years for calculation of rate of pension or the facts may he verified from his pension payment
order before revalidation of CGHS card.
Registration of CGHS Card in Dispensary
Card Holder must deposit the Index Card in the dispensary and obtain receipt from the receiving
clerk. The receiving clerk subsequently will issue the token card in confirmation of the same.
Until the concerned Government employee deposits the Index Card, he/she is not entitled for
treatment in the said dispensary or Hospital. On transfer to another dispensary/hospital, the
Card Holder must collect the index card from that dispensarv and deposit the same along with
necessary forms (in duplicate) to the new dispensary which has been allotted to him/her.
Only after the deposition of Index Card in that particular dispensary, the members mentioned in
the token card are entitled to obtain the benefits under CGHS facilities.

Surrender of CGHS Card The Identity Card held by the beneficiary of the CGHS healthcare
facilities other than Pensioner, General Public, Ex-MPs (Member of Parliament) etc. must be
surrendered to the issuing authority in the following events viz.:
 Retirement /Resignation of the concerned government employee
 Death/Demise of Government Servant
 Transfer of Government Servant to another office.
 In tune with the norms of the CGHS Act, Pensioners, ex-M.Ps (Member of Parliament),
Member of General Public etc. are also required to surrender their CGHS Identity Cards
to the concerned issuing authority on its expiry, in case if such individuals no longer
desire to avail CGHS facilities.
Loss of Identity Card:
 When the CGHS card gets lost or is misplaced, it is likely to be misused. To prevent CGHS
card from being misused, the concerned card holder must inform immediately to the
Police and inform the following authorities accompanied with a copy of F.I.R. (Firsthand
Information Report) Issuing authority M.O. In-charge of the concerned dispensary or
hospital Headquarters of CGHS in the cities other than Delhi.
 A duplicate card can be issued after realizing penalty of Rs. 5/- for 1st instance. On
second instance, Rs. 7/, 3rd and subsequent instances thereafter Rs. 10/-. In case of
individual Plastic Cards in Delhi – the procedure is same but, the penalty is Rs.50/- per
head.
Procedures for deriving Specialist Services Referrals

Under CGHS Act, the beneficiary, whenever requiring or needing consultation services with a
specialist medical/healthcare professional for expert opinion, will be referred to CGHS Polyclinics
or hospitals based on the consultant’s availability for that particular speciality for eg.
Pediatrician, Gynaecologist, Dermatologist, Cardiologist, Neurologist etc Due to certain reason if
a consultant for the concerned speciality is not available in CGHS, the beneficiary of CGHS will
be referred to the concerned OPD (Out-Patient Department) of a Government Hospital or
Municipal General Hospital.Government employees drawing a Basic Pay exceeding Rs. 12,000/-
per month, can benefit from direct consultation with CGHS Medical Specialists and Consultants
in Government or Municipal Hospital, but are not eligible for consultations in private recognized
hospitals under CGHS Act.

Procedure for Admission in Recognized Hospitals

The procedures for admission in hospitals recognized under CGHS are enlisted below:
1. Permission letter will be invariably issued prior to the admission of the patient in the hospital.
2. Pre-requisite permission will be strictly given for a surgical procedure and not for general
medical management or general consultations.
3. Beneficiary will be required to furnish the following documents for getting an admission
memo:
o Photocopy of valid CGHS card
 o Request letter from CGHS beneficiary regarding the choice of hospital/diagnostic centre.
o Photocopy of the specialist’s professional advice or opinion in the concerned field from a
Govt./Municipal/CGHS hospital or clinic.

4. In case of medical emergency, the private hospital recognized under CGHS, shall not deny or
refuse admission or demand advance deposit from the concerned beneficiary. However, the
private hospital recognized under CGHS, shall provide credit facilities to the concerned
patient on production of a valid CGHS card. The private hospital recognized under CGHS,
shall submit the medical bills for reimbursement based on CGHS approval rates to the
concerned HOD (Head of Department) of the beneficiary (i.e. serving government employee)
or to the Joint Director, CGHS, in case pensioners entitled for benefits under this scheme. It
shall be the responsibility of the beneficiary to submit a xerox copy of CGHS card and to take
admission in entitled class as per the provisions of the Act. It is the sole responsibility of the
hospitals to intimate CGHS office or its concerned branch-office, within 24 hours in case of
emergency admission of the beneficiaries who are entitled under CGHS.

5. Based on the merits of the case study on an individual basis, the CMO (Chief Medical Officer)
In-charge of the concerned dispensary, to which the CGHS beneficiary is attached, will issue
Permission Letter regarding admission to recognized hospital. This decision can be on the
basis of the CMO’s own judgment or it could be based upon the recommendations made by
the medical specialists from CGHS or Government Hospitals or Municipal Hospitals
List of Emergency Conditions

The medical emergency conditions included under the purview of CGHS Act are enlisted below:
 Acute Coronary Syndromes viz. (Coronary Artery By-pass Graft or Percutaneous Trans-
Luminal Coronary Angioplasty) including Myocardial Infarction, Unstable Angina,
Ventricular Arrhythmias, Paroxysmal Supra- Ventricular Tachycardia, Cardiac Tamponade,
Acute Left-Ventricular Failure, Severe Congestive Cardiac Failure, Accelerated Hypertension,
Complete Heart Block and Stokes-Adams Attack, Acute Aortic dissection.
 Acute Limb Ischemia, Rupture of Aneurism, Medical and surgical shock and peripheral
circulatory failure.
 Cerebro-Vascular Attack, Strokes, sudden Unconsciousness, Head Injury, Respiratory
failure, De-compensated Lung Disease, Cerebro-Meningeal Infection, Convulsions, Acute
Paralysis, Acute Visual Loss.
 Acute Abdomen
 RTA (Road Traffic Accident) with injuries including fall
 Acute Poisoning
 Acute Renal Failure , Acute Abdomen in females including Acute Obstetrical and
Gynecological Emergencies.
 Heat Stroke
O.P.D (Outdoor Patient Department) treatment and subsequent follow-up after hospitalization is
not permitted in Private Hospitals and Diagnostic Centres recognized under CGHS. Exceptions
for follow-up treatment are permissible in following conditions for a period of 3 to 6 months after
conducting the surgical procedure, are as follows:
 Neuro-surgery
 Cardiac Surgery including Angioplasty
 Cancer Surgery, Radiotherapy and Chemotherapy
 Organ transplant viz. Kidney
 Knee replacement.
 RTA (Road Traffic Accident)

Administrative and Functioning of CGHS / Functioning of CGHS Dispensaries

a) Registration Timings: The registration is stopped 15 minutes before scheduled closing time
of dispensary. However, no serious patient is returned back unattended in the dispensary.
b) Issue of Medicines: Normally medicines are issued for a period of 15 days. However, in chronic
cases CMO (Chief Medical Officer) In-charge may issue medicines up to a maximum period of
three months, subject to the conditions as laid down under the provisions of CGHS Act.
c) Daily information regarding non-available items: The Storekeeper in consultation with
Dispensary Pharmacist circulates the list of non-available medicines in that particular
Dispensary/Hospital. This method is practiced so that the medical officers can prescribe only
the medicines that are available to the patients. Similarly arrival of new medicines is incorporated
in the list of medicine and the same is circulated by the Pharmacist to all Medical Officers
promptly. The inventory pertaining to medicines or drugs is maintained by the Storekeeper of
the concerned Dispensary or Hospital.
d) Reports & Returns: The daily visit/turnout of patients at the dispensary is prepared and
maintained in a separate register by the clerk in the dispensary. The CMO (Chief Medical Officer)
In-charge ensures timely submission of all reports and returns, as per the schedules.
Notice Board in CGHS Dispensary
The notices to be prominently displayed in each CGHS dispensary are enlisted below:
 Bringing of CGHS Token Card during every hospital visit is essential
 Dispensary timings
 Complaint/Suggestion Book is available with Chief Medical Officer (CMO) In-charge
 Details regarding the visiting days and visiting schedules of various specialists
 Immunization programmes, well baby clinic and antenatal programmes
(f) Name and telephone numbers of Area Welfare Officer
 Important circulars and orders issued by competent authorities from time to time
 Name and telephone numbers of the following personnel:
o CMO In-charge
o Additional Director
o Director (CGHS), New Delhi
Particulars in OPD Prescription
a) The CGHS token number, date and time, name of the patient, age, sex, diagnosis and
treatment are written legibly and in full.
b) If the prescription contains more than one medicine, then each medicine or drug is numbered
serially.
c) On each subsequent visit, the medicines to be repeated are indicated by their serial numbers.
d) Quantity of medicine to be issued is written clearly.
Domiciliary Visits
All Medical Officers must attend to the domiciliary calls from patients when required and should
not be evasive when called for domiciliary visit by the concerned patient. Such attendance or
domiciliary visit is restricted to individual cases where the Chief Medical Officer (CMO) In-charge
is satisfied on account of its necessity mainly due to the inability of the patient to attend the
dispensary on account of being invalid, serious illness, bedridden or old-age. Domiciliary visits
are usually made before or after the official dispensary working hours with the exception of
medical emergencies. Such home visits requested during the official working hours is made by
the Medical Officers receiving the call and the same is not assigned or delegated to the doctor on
emergency duty. In case, if a domiciliary visit becomes essential during the official working hours,
the Chief Medical Officer (CMO) In-charge is kept informed so as to ensure that, as far as possible
not more than one Medical Officer (MO) is absent from the dispensary at anyone time during
those working hours. It is mandatory that all relevant entries pertaining to domiciliary visits by
the Medical Officers must be made in the register and signed by him/her before leaving the
dispensary for the proposed home-visit. It must be noted that the Lady Doctors are exempted
from paying domiciliary visits during 7.30 P.M. to 7.00 A.M.

Services
 Out patient department (OPD) care through network of dispensaries
 Supply of necessary drugs and medicines
 Laboratory services
  Domiciliary visits
 Hospitalization facilities at Government recognized hospitals and private hospitals specially
recognized for the purpose , Specialist consultation at CGHS units and Government
recognized hospitals
 Immunization ,Ante-natal and post-natal services
 Limited Medical Emergency treatments ,Supply of various appliances like pacemaker,
hearing aids, orthopedic appliances, nebulizer etc
 Family welfare services for eg. Family Planning Programmes and Health Education
 Services of Ayurvedic, Unani, Siddha and Homeopathy systems of medicine

Complaints and Grievances

The committee meets every 2nd Saturday of the month and looks into the following matters as
given below:
a) Open the complaint box/register and study the grievances/suggestions put in the box/register
b) Incase, if need arises the complainant is called in one of the meetings to sort out the grievances
of the CGHS beneficiary.
c) The committee suggests the ways and methods to improve the functioning of the CGHS
dispensary within the available resources.
d) To liaise with the different agencies involved in the supportive services for the maintenance of
the CGHS dispensaries
CGHS beneficiary can also claim Health Insurance
The Central government employees - serving and retired, who have subscribed to the Central
Government Health Scheme (CGHS) in present and in the past, would now be able to claim
reimbursement of their actual hospitalization expenses beyond the CGHS package rates. This is
mainly on account of the government easing the regulations and the conditions that enable such
government employees to utilize healthcare insurance policies for enhanced spending. As a
result, this could spur demand for additional insurance policy covers from the concerned
government employees. A recent circular from the Ministry of Health and Family Welfare
(MOHFW) states that CGHS beneficiaries will be allowed to claim their hospitalization expenses
not only from CGHS/ministry but also from Insurance Companies (or Insurers) provided that
the reimbursement being claimed by such an employee does not exceed the total medical
expenditure incurred by the beneficiary.
Earlier, CGHS beneficiaries could claim the benefits provided under CGHS Act provided that
the incurred amount did not exceed prescribed package rates. For this purpose, CGHS has
empanelled select hospitals on their list that follow the package rates provided by it. However,
the package rates are much lower than the existing or actual market rates.
The proposed move for introduction of Central Government Employees & Pensioners Health
Insurance Scheme (CGEPHIS) by the Government of India, would help the beneficiary to claim
his/her medical expenses from an insurer (or Insurance Company) in case the claim is
beyond/exceeds the ceiling of the CGHS package rates

CGHS – For Serving Government Employees & Pensioners

A) REFERRAL SYSTEM
1. Procedures/investigations for which
there is no prescribed CGHS rate for
CGHS recognized private
hospitals/diagnostic center.
2. In case of medical emergency,
beneficiary may go directly to a
private/Government referral hospital
recognized under CGHS and thereafter
submit a Medical Reimbursement Claim
after discharge from the hospital.
Permission for tests/procedures, the estimates of which not exceeding more than Rs. 20,000/- may
be granted by HOD (Head of the Department), for Serving employees and by Head of CGHS covered
cities for Pensioners, provided that such tests/procedures have been recommended by Government
Specialist. Reimbursement may be limited to AIIMS rate, in the case of Delhi and outside Delhi. In
case rates have not been fixed by AIIMS for any particular procedure/investigation/test,
reimbursement may be made as per the actuals.
Powers are delegated to the Heads of the CGHS organizations in various CGHS covered cities, in
respect of both-pensioners and serving employees, for deciding which cases fall under the
“emergency” category. This is done after analyzing the merits of each medical case individually.
3. In Pregnancy Cases.
4. In spite of the medical facility being
available in the city, a CGHS
beneficiary, still opts or chooses to get
treatment in CGHS recognized hospital
in another city.
5. In case of pensioners, if permission is
granted for medical treatment in
another city for undergoing such
procedures/tests advised by the
Government/CGHS medical specialists
provided if such medical facilities are
not available in the same city of
residence.
6. In case of emergency, in respect of
pensioners/serving employees.
7. Treatment in a private hospital
recognized under CGHS
(B) PERMISSION CASES
1. Cases where permission is to be
granted for products/services with
ceiling rates.
2. Permission for items for which
the Standing Committees exist and
the Standing Committee has
recommended the case.
3. Supply of Oxygen Cylinder,
Filter, Infusion pump, etc.
4. Air travel
5. Permission for highly expensive
procedures like BMT (Bone Marrow
Transplant), Cardiac Defibrillator,
Carotid Stents, Total Hip
Replacement, etc. as per
Government ceiling rates, as the
costs involved are very high or
where there is no policy decision
has been taken so far.
(C) EX POST FACTO APPROVAL
1. Treatment taken without recommendation of
CGHS/Government specialist, but with permission of CMO
In-charge of CGHS dispensary in a recognized private
hospital within approved ceiling rates.
Once the pregnancy is diagnosed/confirmed by the Government/CGHS doctors including the
Medical Officer working at the dispensary level, the Head of the Department of concerned
Department/Ministry may permit admission for confinement purpose in the private hospitals
recognized under CGHS.
The powers for granting such permissions are delegated to the Heads of CGHS organizations in
various CGHS covered cities, both in respect of pensioners and serving employees. For availing
medical/healthcare facilities in other cities, TA/DA allowances are not given to such CGHS
beneficiaries.
Permission may be granted to pensioner beneficiaries by Head of the CGHS Organization in the
various CGSH covered cities on the basis of specific advice from treating Government medical
specialist. TA (Travel Allowance) may be limited to the Referral Hospitals available in the nearest city
by the shortest route. In case of deviation from the above rule, prior permission of Director, CGHS,
needs to be obtained.
Since it is not always possible to obtain prior permission in medical emergencies, treatment taken
by CGHS beneficiaries in case of an emergency will be considered on merit based on individual
study pertaining to such cases. This is applicable even if the treatment is taken from a non-
recognized private hospital. For granting eg. Post- facto approval in emergency cases, for both-
serving Government officials or pensioner beneficiaries, the power is delegated to the Head of the
concerned CGHS covered city.
Referrals may be made based on the recommendation regarding the treatment procedure by the
concerned Government medical specialist for indoor treatment (IPD) in private hospitals, recognized
under CGHS. This is usually done by the Head of CGHS covered city in respect of pensioners and by
the Head of the Ministry/Department/Office in respect of serving government employees. The
permission for follow-up treatment pertaining to CGHS beneficiary may be given for a period of six
months from the date of discharge from the hospital. This permission is granted by the Head of
CGHS covered city in respect of pensioners and by the Head of the Ministry/Department/Office in
respect of serving employees.
When medical treatment is taken with prior permission and where the ceiling rates
have been fixed for purchase of implants such as pacemakers, stents, total joint
replacement, etc. the procedure of calling 3 quotations is not required. The Head of the
CGHS organization of the concerned CGHS covered city may grant permission in such
cases.
Permission may be given by the Ministry of Health and Family Welfare (MOHFW) for
items that have been notified by the CGHS.
Permission may be given by the Ministry of Health and Family Welfare (MOHFW) based
on the recommendations of the Standing Committee for items that have been notified
by the CGHS.
Permission may be given by the Ministry of Health and Family Welfare (MOHFW) based
on the recommendations of Director, CGHS.
For highly expensive procedures like BMT, Cardiac, Defibrillator, Carotid stenting, etc.
Ministry of Health and Family Welfare (MOHFW) notifies the list of equipments or
instruments or implants for domiciliary use with specific ceiling rates. Hence,
permission for any instrument or equipment or implant outside the notified list will be
dealt by the Ministry of Health and Family Welfare (MOHFW) on a case-to-case basis in
consultation with Finance Division, CGHS.
Powers are delegated to the Heads of CGHS organizations in
the CGHS covered cities, both-in respect of pensioners and
serving government employees to decide such type of cases.
 2. Treatment taken in private hospitals recognized under Powers are delegated to the Heads of CGHS organization in
CGHS without prior permission. the CGHS covered cities, both-in respect of pensioners and
serving employees to decide such type of cases.
3. Emergency cases within the approved ceiling rates in Powers are delegated to the Heads of CGHS organization in
respect of treatment taken in private hospitals recognized the CGHS covered cities, both-in respect of pensioners and
under CGHS. serving employees to decide such type of cases.
4. Emergency cases within ceiling approved rate in respect Powers are delegated to the Heads of CGHS organization in
of treatment taken in private unrecognized hospital. the CGHS covered cities, both-in respect of pensioners and
serving employees to decide such type of cases.
5. Cases where prior permission for treatment in CGHS Powers are delegated to the Heads of CGHS organization in
recognized Government referral hospital was granted for a the CGHS covered cities, both-in respect of pensioners and
particular surgical procedure, but at the time of actual serving employees to decide such type of cases.
operation, some device/artificial appliance/additional
treatment/procedure/diagnostic procedure has been
utilized or undertaken for which no prior permission was
taken.
6. Ex Post-Facto permission for treatment in Government For serving employees:Head of the department (HOD) of the
Referral Hospitals like AIIMS PGI Chandigarh, etc. concerned Ministry/Department/Office may decide such
type of cases. For pensioners:Head of the CGHS
organization of the concerned CGHS covered city may take
an appropriate decision pertaining to such type of cases.
7. Emergency Treatment in private hospitals recognized Powers are delegated to the Heads of CGHS organizations in
under CGHS and approval to be given as per approved rates the CGHS covered cities, both-in respect of pensioners and
for approved procedures/appliances/devises. serving employees to decide such type of cases.
8. Treatment availed or taken under emergency, but Ministry of Health and Family Welfare (MOHFW) may decide
approval yet to be granted above the approved rates. such type of cases in special circumstances, depending
upon the merits of each case-study.
9. Relaxation of CGHS Rules.
Ministry of Health and Family Welfare (MOHFW) will decide
such type of cases.
10. Air travel permission/Ex post-facto approval for air Ministry of Health and Family Welfare (MOHFW) will decide
travel undertaken for medical treatment. such type of cases.
11. Reimbursement of treatment or surgical procedure or Powers are delegated to the Heads of CGHS organizations in
tests, for which there is no prescribed rates under CGHS. the respective CGHS covered cities, both-in respect of
pensioners and serving employees. In such cases, however,
reimbursement may be made as per AIIMS rate or as per
the Actual, whichever may be less. In case there is no AIIMS
rate prescribed for a particular medical procedure, then the
reimbursement may be made as per the Actual.
12. Monetary limit to issue sanction for settlement of Head of the CGHS organization of the concerned city
individual Medical Reimbursement Claims or to accord covered under CGHS Act, in respect of Pensioners and Head
permission or grant of medical advance. of the Ministry/Department/Office in respect of serving
Government Employees, where, the monetary limits for
issuing sanction will be as under : - (a) Rs. 2 Lakhs: In case
of serving employees/Beneficiaries By the Head of
Ministry/Department/Office.
(b) Rs. 2 Lakhs: (In case of Pensioner/CGHS Beneficiaries)
By the Head of the CGHS covered city.
CGHS Officials/Pensioners on Tour or Out-of-Station : Medical facilities to the CGHS beneficiaries in
various cities across India in the hospitals recognized under CGHS and CS (MA) Rules, 1944, while on
tour, leave or in unforeseen emergency. It has been decided to liberalize the CGHS rules with respect to
both -serving government employees and pensioners.
S.No Category of CGHS Availing of Medical Services Mode of Reimbursement
Beneficiary
1. Serving Employees During tour or visit, in any CGHS By the concerned Head of Office after
dispensary/recognized hospital or in case of a non- following the necessary procedures.
CGHS area, A.M.A. and recognized private hospital
2. Pensioners During visit to any other CGHS covered city in the By the CGHS where the individual has been
concerned dispensary/recognized hospital or in case of registered.
a non-CGHS area, A.M.A. and recognized private
hospital