The Central Government Health Scheme (CGHS) provides comprehensive health coverage to central government employees, with access to top hospitals like Fortis and Apollo. However, to ensure complete protection, some suggest supplementing CGHS with a 10L basic health insurance cover and a 90L super top-up. Niva BUPA Assure plan is recommended, as reimbursement from two sources is allowed for CGHS employees.
Despite suggestions for additional insurance, many believe that CGHS is unbeatable in terms of healthcare benefits. As per a doctor’s opinion, CGHS patients receive top-notch care completely free of cost. Another user shared their experience of their in-laws using CGHS for treatments, including cancer, at private hospitals with no out-of-pocket expenses.
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