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Occasional Contributor
Tanuja Choudhary
Posts: 16
Registered: ‎28-08-2017

I am a central government employee. Will it be better for me to buy a health insurance policy?

The area that I live in has a few hospitals but none of them are empanelled by the Central Government Health Scheme (CGHS). I am a central government employee. Will it be better for me to buy a health insurance policy?

1 REPLY 1
Contributor
Ragini Khanna
Posts: 39
Registered: ‎09-06-2017

Re: I am a central government employee. Will it be better for me to buy a health insurance policy?

For a serving central government employee, CGHS allows emergency treatment in any hospital. Expenses could be later filed for reimbursement subject to CGHS rates and entitlements. But the same facility is not available for planned treatments.

 

I recommend buying a private health insurance policy to cover hospitalisation expenses. Go for an entry level sum assured, say, Rs5 lakh. This will be sufficient to cover minor surgeries and common hospitalisation cases. For complex and advanced treatments, you can travel to a nearby city with CGHS facilities.