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.
