What is CGHS & RGHS & why you should learn about it.
RGHS and CGHS, respectively, stand for Rajasthan Government Health Scheme and Central Government Health Scheme. As the name suggests, both of these schemes are health insurance offered by the state of
RGHS and CGHS, respectively, stand for Rajasthan Government Health Scheme and Central Government Health Scheme. As the name suggests, both of these schemes are health insurance offered by the state of Rajasthan and the central government of India, respectively. Even though both schemes are to provide affordable healthcare to citizens, the coverage, eligibility, and categorization of these schemes differ drastically. So, in this article, let’s learn more about both CGHS and RGHS so you can understand which scheme is better for you.
What is CGHS?
CGHS was introduced in 1954, and it still continues to function to this day. It is one of the biggest health insurance schemes in the world that covers all employees and families of currently working and retired central government employees. Even after existing for over 50 years, the popularity of CGHS has not declined at all because of the comprehensive coverage it provides beneficiaries. Apart from traditional allopathic treatment, CGHS also provides coverage for Ayurvedic, Siddhi, Yogic, Unani, Naturopathy, and Homeopathy treatments. Undoubtedly, this is one of, if not the most comprehensive lists of treatment opportunities available for beneficiaries among government health insurance schemes in India..
Facilities provided under CGHS
Here is a list of all the medical treatment facilities that you and your family can avail of under the CGHS scheme as a beneficiary.
Maternity, child health services, and family welfare
OPD treatment (only at empanelled/approved hospitals)
Reimbursement of medical treatment costs associated with the treatment of medical emergencies
Doctor consultations and checkups at government hospitals and clinics
Cashless medical treatment for pensioners and beneficiaries who have notified the government in advance at empanelled/approved hospitals
Who is eligible for the CGHS scheme?
CGHS scheme, as the name suggests, is available for employees and pensioners of the central government of India. The detailed list of beneficiaries that can avail of the CGHS scheme is mentioned below.
Employees of the railway board
Police staff/personnel working in the national capital Delhi
PIB accredited journalists that cover Delhi
Freedom Fighters
Members of Parliament, current and previous
Former vice president
All governors and lieutenant governors of Indian states
Pensioners who receive their pay from the Central Civil Estimate
All current government employees, including their families (dependants) that live or are employed in CGHS, covered areas of the country.
What is RGHS?
RGHS was introduced in September 2021 as the medical insurance provider for all personnel and government staff of the Rajasthan state government. This scheme is entirely online, and the application process and reimbursement processes can all be done paperlessly. The RGHS scheme also offers coverage only within the state of Rajasthan at empanelled/approved hospitals.
Facilities provided under RGHS
Even though the RGHS scheme does not offer a wide range of treatment options for its beneficiaries, they are still eligible for traditional allopathic treatment at some of the top hospitals in Rajasthan for a variety of illnesses and conditions. Here is a list of all the facilities provided under RGHS.
OPD treatment
Cashless facilities for daycare, IPD medical services
Family welfare, child and mother health services
Diagnostic tests or medical investigations at government empanelled/approved diagnostic centers.
Who is eligible for the RGHS scheme?
RGHS scheme is dedicated to the government employees and pensioners of the Rajasthan state government. However, the complete list of eligible applicants for this scheme is mentioned below.
Members of the legislative assembly in the state of Rajasthan, current and former, including their families that permanently reside in Rajasthan
Current employees and pensioners of the Rajasthan state government
Judges and ex-Judges of the state
Conclusion
CGHS and RGHS don’t have much overlap in terms of their eligibility, as they are aimed at different beneficiaries. If, by any chance, you are eligible for both schemes, be sure to choose one based on the factors presented in this article. However, when it comes to the actual medical care, regardless of your coverage RGHS or CGHS, you can visit MediPulse hospital for approved coverage for most government health schemes. For more information, you can visit the MediPulse hospital website.
What is Cleft lip & Palate surgery & is it covered under the Chiranjeevi scheme?
A cleft lip and palate are a birth condition. This condition leads to a split or opening being formed on the upper lip and palate of the baby. A cleft lip or palate is one of the most common congenital disabilities
A cleft lip and palate are a birth condition. This condition leads to a split or opening being formed on the upper lip and palate of the baby. A cleft lip or palate is one of the most common congenital disabilities among babies. It is associated with various genetic conditions that lead to babies being born with a cleft lip.
Even though it is very upsetting for babies to be born with this deformity, it can be corrected through medical intervention. How can it be corrected? Through a series of corrective surgeries, the cleft lip/palate can be healed with minimal scarring. So, now that you know about the surgery, let’s learn more about it and if it is covered under the Chiranjeevi scheme.
Cleft lip & palate surgery
Diagnosing a cleft lip or palate is not complicated as you can easily see it on the baby at birth. Even when it is diagnosed early (at birth), the treatment process, which involves various surgeries, can only start after the baby reaches three years of age. Let’s learn more about the surgical procedure.
You should know that the cleft lip and cleft palate are treated separately by doctors. First, doctors treat the cleft lip through surgery which is performed under general anesthesia. After the cleft lip is surgically fixed, the stitches are either removed in a few days or dissolve automatically in the body. Doctors work hard to ensure that there are no scars left after the surgery. This is done by putting the scar lines close to the lip lining so they disappear over time as the baby grows.
The palate surgery is done after the baby reaches the age of at least six months. During the corrective palate surgery, the doctors rearrange the muscles and tissues inside the mouth to close the gap in the palate. This surgery is also performed under general anesthesia and takes around 2 hours to complete. Doctors recommend that the child is kept at the hospital for a day prior to and after the surgery. Given that this surgery is inside the mouth, there is no fear of scarring. The dissolvable stitches from the surgery go away in due time, and the scar is healed over time inside the mouth.
Post surgical care
Children that take birth with a cleft lip or palate often have to go through speech training after their surgery in order to overcome speech problems. Apart from speech training, the children also need a variety of other medical care in order to grow up healthily. Here are a few medical treatments that children recovering from a cleft palate and lip need to undergo.
Hearing treatment
Children going through a cleft palate often end up suffering from a condition known as glue ear. Fluid builds up in the middle ear of the child as a result of the palate muscles not functioning correctly. So, even after the surgery is complete, hearing tests need to be conducted by doctors to ensure that the child’s hearing is unimpaired.
Dental treatment
Due to the cleft lip, children often have problems related to tooth growth. The problems range from teeth not growing in a certain position or extra teeth growing. Teeth can also grow deformed or misaligned. To help with all of these problems, doctors need to monitor the tooth growth of the child. In case the factors mentioned above are present, they take corrective measures to fix the problems.
Is cleft lip & palate surgery covered under the chiranjeevi scheme?
Yes, this surgery is covered under the scheme. However, there are some prerequisites.
First, a doctor must prescribe the surgery.
Secondly, the patient needs to submit before operative pictures.
Once the surgery is complete, the patient needs to submit a discharge certificate along with the day-to-day treatment plan that was performed on the patient.
Lastly, the patient also needs to submit post-operative pictures.
These are the prerequisites you need to cover in order to have your surgery covered under the Chiranjeevi scheme.
Conclusion
Any physical problem of your newborn is a matter of great concern for parents. However, with advancements in modern medicine and medical science, congenital disabilities like cleft lip and palate can be easily treated today. In Rajasthan, you can visit MediPulse hospital for the best treatment of your child’s cleft lip problem. And the best part, you can get the benefits of the Chiranjeevi scheme when you get your treatment at MediPulse. For more information, go through the official medipulse hospital website.
Valve surgery: Chiranjeevi vs RGHS
Valve surgery is one of the costliest heart surgeries in India. It doesn't matter from where you are getting the treatment, and the overall expenses are so high that often people need to take medical loans to
Valve surgery is one of the costliest heart surgeries in India. It doesn't matter from where you are getting the treatment, and the overall expenses are so high that often people need to take medical loans to proceed further. Besides, the expenses after surgery are also quite hefty. As this is a very common surgery, you must get yourself registered with one of the government-based medical insurance schemes.
The two most crucial insurance plans in India are RGHS and Chiranjeevi. After the central government passed circulations for these insurance schemes, people got the chance to get the right treatment they needed without worrying much about expenses and finances. However, while both these schemes have become quite popular, it can be difficult to decide which is the right option for complicated surgeries like heart valve surgeries.
As making the decision is not easy, we have described both these schemes in the below section. With this, you can easily make a well-informed choice.
Why do you need medical insurance for heart valve surgery?
It is not just the high costs of heart valve surgeries for which you need medical insurance. However, most people do not consider other benefits of an insurance plan, so we have listed the below section.
First, the insurance plans reduce worries about arranging the finances needed to complete the surgery.
Most medical insurances cover treatment costs, from surgery to after-care, medicines, and so on.
There won't be any delay in the treatment since the money will be wired to the hospital immediately after approval.
Your investment in the insurance premium is much less than what you had to spend on the surgery.
What is Chiranjeevi's insurance plan?
In 2021, Ashok Gehlot, the Chief Minister of Rajasthan, issued the Chiranjeevi insurance plan to support the medical expenses of people from the lower economic and below-poverty line sections. According to the terms and conditions, the maximum amount that one can get to meet medical expenses is INR 5 lakhs. It is applicable for government and private hospitals, provided they are affiliated with this insurance plan.
Benefits of Chiranjeevi insurance
Thanks to the Chiranjeevi insurance plan, you can enjoy a wide range of benefits, some of which are mentioned below:
The premium to be paid for this health insurance scheme is approximately INR 850 per family.
Apart from covering hospitalization expenses, this scheme also provides other costs. This insurance scheme will address expenses five days prior to hospitalization and 15 days after discharge.
One can receive treatment from most hospitals, both private and government.
No need to submit the cash payments at the billing center because Chiranjeevi is completely cashless.
What is RGHS?
RGHS, or Rajasthan Government Health Scheme, was launched in 2021 to help the financially weaker section with funds for their health treatments. According to this, employees appointed after 2004 can get cashless treatment up to INR 10 lakhs. On the other hand, those appointed before 2004 can enjoy unlimited outdoor treatment facilities at no expense. Apart from this, each family can spend up to INR 20,000 annually on outdoor treatments.
Benefits of RGHS
This new health insurance scheme is launched to provide financial assistance to pensioners and working employees.
For this, employees won't have to pay the entire EMIs. Instead, 50% of the calculated amount will be deducted from their paycheck.
Every family can opt for INR 5 lakhs as financial assistance in case of major and complicated treatments, like heart valve surgery.
Conclusion
Once you meet the eligibility criteria for these insurance plans, you won't have to worry about getting proper treatment for valve surgery. Just ensure to choose the suitable medical insurance scheme according to your requirements. and if you find any problems, you can contact Medipulse hospital TPA cell for more information.
Coverage details for Chiranjeevi scheme: Joint Replacement
Arthritis is a serious disease that affects more than 180 million people in India every year. Over 0.5 to 1% of the entire population of India seeks medical help for arthritis every year.
Arthritis is a serious disease that affects more than 180 million people in India every year. Over 0.5 to 1% of the entire population of India seeks medical help for arthritis every year. This widespread prevalence of arthritis shows how serious it is as an illness. This disease is most prevalent in adult women and starts showing its signs from as early as 35. Joint replacement is one of the major treatment options for severe arthritis. It involves removing and replacing a part or the entire joint that is damaged due to diseases such as arthritis. This procedure is done as a treatment for arthritis which is an incurable disease.
The Chiranjeevi health scheme was introduced in 2021 by the Rajasthan state government led by Mr. Ashok Gehlot as a health scheme for the general public of Rajasthan that offers cashless medical coverage up to five lakh rupees per year per family. Let’s take a look into the coverage details for joint replacement surgery under the Chiranjeevi scheme.
Joint Replacement In Chiranjeevi: Is it covered in the scheme?
The Chiranjeevi scheme covers 1,576 medical tests and procedures, including coverage for diseases such as COVID, cancer, and black fungus. As a treatment option for arthritis, a common disease that affects over 8% of the entire population of Rajasthan, you can safely say joint replacement surgery should be covered under the Chiranjeevi scheme as a treatment option for severe arthritis patients. However, patients need to go through the scheme guidelines with advice from government officials and medical professionals to ensure that the scheme covers this surgery in their case or not.
Joint replacement surgery can be performed in different parts of your body, and that creates different procedures. Let’s take a look at some of the common types of joint replacement surgery.
Types of Joint Replacement Surgery
Arthroplasty
Arthroplasty, also known as total joint replacement surgery, is a type of orthopedic surgery that requires the complete joint to be removed and replaced with implants that are artificially manufactured. This procedure is an aggressive medical procedure that is needed for people that are suffering from advanced arthritis. With advancements in the medical industry today, patients can opt for minimally invasive joint replacement surgeries that allow patients to recover faster and reduce their hospital stays.
Partial Joint Replacement Surgery
Partial Joint Replacement Surgery is required as a treatment for arthritis where a specific part of the joint has undergone damage. That specific cartilage of the joint is removed surgically and replaced with artificially manufactured prosthetics. This procedure can help reduce the pain patients have with arthritis, and the recovery time for partial joint replacement is less than total joint replacement surgery.
Joint Replacement Surgery in Jodhpur
Proper medical care is necessary when you are going through surgical procedures such as joint replacement surgery. If you or your loved ones have arthritis and you are looking for the best medical care that can help you reduce the effects of arthritis and help you live a normal and pain-free life, look no further than Medipulse hospital. As the best private hospital in Jodhpur, Medipulse hospital offers affordable joint replacement surgery options led by experienced doctors that can help you beat arthritis. The hospital also accepts private and government insurance for orthopedic surgery, such as joint replacement surgery. For more information, check out the hospital website here.
Is Cancer Surgery covered under the Chiranjeevi Yojana?
From 1 May 2021, the Rajasthan government, headed by Mr. Ashok Gehlot, introduced the new Chiranjeevi Yojana, a universal health insurance plan for all citizens of Rajasthan.
From 1 May 2021, the Rajasthan government, headed by Mr. Ashok Gehlot, introduced the new Chiranjeevi Yojana, a universal health insurance plan for all citizens of Rajasthan. The scheme plans to provide health insurance coverage to all registered families up to five lakh rupees per year. Families can obtain free medical treatment from any government hospital in the state or any of the private enlisted hospitals in the state.
The Chiranjeevi scheme allows free treatment for different types of illnesses as well as covers different medical tests and procedures. It has been governmentally reported that individuals can get coverage for 1,576 medical procedures and treatments under the Chiranjeevi scheme. Diseases such as cancer, COVID, and kidney diseases are covered under the scheme, but to what extent? Let’s take a closer look into the coverage details for cancer and its treatment under the Chiranjeevi scheme.
Cancer Surgery In Chiranjeevi: Is it covered in the scheme?
Cancer surgery, often referred to as oncosurgery is a type of cancer treatment; given that cancer is enlisted as one of the diseases covered under the Chiranjeevi scheme, it is rightful to say that cancer surgery is covered under the scheme. Also, it is crucial to understand that cancer surgery has different types, all of which might not be covered under the scheme. Let’s look at some of the common types of cancer surgeries and if they are covered under the Chiranjeevi scheme.
Types of Cancer Surgery
Excision
Excision is the most common type of cancer surgery. This type of surgery is used to remove the cancerous tumor from your body along with certain healthy tissues to help you cure cancer completely. Excision is one of the most commonly used cancer treatments, and it is very successful in treating cancer as well.
As a primary treatment option for advanced-stage cancers, excision will most possibly be covered under the Chiranjeevi health scheme. However, patients need to know that since the scheme coverage is for five lakh rupees, the surgery needs to cost less than five lakh rupees or else patients will need to pay any amount above five lakhs by themselves.
Reconstructive Surgery
Oftentimes, cancer surgeries such as excision alter the look and functionality of the human body. Reconstructive surgery is used to give back some of the lost visual beauty as well as functionality through surgery. Reconstructive surgery is only suggested in extreme cases where the surgery is necessary for the person to go back to their normal life again.
This type of surgery is costly and rare. Coverage of these types of surgeries under the Chiranjeevi scheme is in a bit of a gray area. It is important to discuss with your medical professionals and government officials to get a clear answer on the inclusion of this procedure under the health scheme.
Conclusion
The Chiranjeevi health scheme offers coverage of five lakh rupees per year for every enrolled family. Treatment for diseases such as cancer often costs more than five lakh rupees so, you must get properly planned medical care that can help you within the limits of the Chiranjeevi scheme. For the best and most affordable cancer treatment in Jodhpur, you can visit Medipulse Hospital. With an outstanding oncology and oncosurgery department headed by experienced doctors, they can help you get well from cancer at the most affordable costs possible. For more details, please visit the hospital website.