My husband is a central govt employee so we have CGHS. Im in my first trimester and trying to figure out if delivery and checkups will be covered or do we pay ourselves. If anyone here has gone through it under CGHS pls tell me how it worked.
Broadly yes, CGHS does cover maternity for entitled members at empanelled hospitals as per their rates. Coverage details can vary so the safest is to ring your CGHS dispensary and ask exactly whats included for you.
Yes maternity is generally covered under CGHS for eligible beneficiaries, including delivery and related care. But there are package rates and empanelled hospitals, so check your CGHS card and the approved list first. Plan early to avoid last minute running around.
When I delivered, the hospital insurance desk was the most helpful for these queries. Ask the empanelled hospital's CGHS coordinator directly, they'll tell you what's covered and the approval steps clearly. Saves a lot of confusion.
My friend's husband is govt employee and they got delivery covered under CGHS. Just keep the referral and approval paperwork ready in advance, that part takes time. Confirm with your CGHS wellness centre to be sure of your case.
