Central Govt employees insurance schemes In India


The Central Government of India provides various insurance schemes for its employees to ensure their well-being and financial security. Some of the prominent insurance schemes for Central Government employees in India include:

  1. Central Government Health Scheme (CGHS): CGHS is a comprehensive healthcare scheme that provides medical facilities to Central Government employees and their dependents, including current and retired employees. It covers various medical expenses, including outpatient treatment, hospitalization, diagnostic tests, and medicines.

  2. Group Insurance Scheme (GIS): The Group Insurance Scheme is a life insurance scheme for Central Government employees that offers financial protection to their families in case of the employee's demise. It provides a lump sum amount to the nominee or legal heir of the insured employee.

  3. Central Government Employees Group Insurance Scheme (CGEGIS): CGEGIS is a savings-cum-insurance scheme for Central Government employees, which provides a lump sum payment to the nominee or legal heir in the event of the employee's death. It also offers a savings component, with contributions from both the employee and the government.

  4. Pradhan Mantri Suraksha Bima Yojana (PMSBY): PMSBY is an accidental death and disability insurance scheme launched by the Government of India. It provides coverage for accidental death and disability at a nominal premium, offering financial protection to the insured and their families.

  5. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): PMJJBY is a life insurance scheme aimed at providing affordable life insurance coverage to all citizens of India, including Central Government employees. It offers a sum assured in case of the insured's death due to any reason, subject to payment of the premium.

  6. National Pension System (NPS): While not strictly an insurance scheme, NPS is a voluntary, contributory pension scheme for Central Government employees that provides retirement benefits and financial security. It allows employees to build a pension corpus during their working years, which can be utilized to secure their future post-retirement.

These insurance schemes, along with other welfare measures and benefits, aim to safeguard the health, well-being, and financial security of Central Government employees and their families. Each scheme has its own eligibility criteria, coverage, and benefits, and employees are encouraged to familiarize themselves with the details of these schemes to make informed decisions regarding their insurance coverage.


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