Non-Medical Costs That Are Not Covered Under RGHS For H1N1 Flu Treatment

The H1N1 flu is relatively rare in today’s time, but it still affects thousands of people around the country every year. With the widely available vaccine against the H1N1 flu, it has become less of a threat now. However, given that people are still affected and need to be hospitalized for this disease, medical insurance covers the treatment of H1N1 flu. 

RGHS, a state government-funded medical insurance scheme for state government employees, also covers the treatment of H1N1 flu. There are certain non-medical costs, however, that are not covered under RGHS for the treatment of H1N1 or swine flu. What are these charges? Let’s find out!

What Are Non-Medical Costs That Are Not Covered Under RGHS For Swine Flu Treatment?

As the name suggests, non-medical costs are not directly related to your swine flu treatment. These are often administrative costs or hospital charges that can’t be billed to the medical insurance company separately. These costs are often grouped into certain categories of non-medical charges. So, let’s check broad categories and some of the charges under them that are not covered under RGHS for swine flu treatment.

• Personal comfort items

• Items that are a part of hospital charges

• Non-medical hospital administrative charges

• External durable devices

• Exception items that are covered under RGHS if requested specifically by prescriptions

These are the broad categories of charges not covered under RGHS for swine flu treatment. Now, let’s explore each of these categories and explore the charges that fall under each category respectively.

Toiletries & Personal Comfort Items

This category covers toiletries needed by the patient during their hospital stay and also personal comfort items. These items are non-essential to the treatment of the patient, so needless to say, RGHS does not cover them. Some of the charges that fall under this category are mentioned below.

• Anne french charges

• Razor

• Towel

• Belts

• Barber charges

• Cozy towel

• Bottle

• Hand wash

• Cradle charges

• Carry bags

• Caps

• Eye pad

• Eau de Cologne

• Beauty services

• Toothpaste

• Toothbrush

• Tissue paper

• Telephone charges

• Sanitary pads

• Leggings

• Laundry charges

• Guest Services

• Bedpan

• Flexi mask

• Face mask

• Hand holder

• Crepe bandage

• Carefree

• Bed under pad charges

• Eyelet collar

• Diapers of any kind

Items Excluded As They Are Deemed As Hospital Charges

These charges are covered under the RGHS policy. However, they are not to be billed separately. These charges are covered as they are part and parcel of another medical treatment service which is billed to the medical insurance policy. Here are some of the charges that fall under this category.

• Operation theatre booking charges

• Microscope cover charges

• Surgical drill charges

• Sputum cup charges

• Boyles apparatus charges

• X-ray film charges

• Surgical drill charges

• Blood grouping charges

• Eye drape charges

Hospital Administrative Charges

There are certain charges that RGHS does not cover because they are a part of the administrative costs of a hospital. Here are some of the charges that fall under this category.

• Admission kit

• Certificate charges

• Conveyance charges

• File opening charges

• Medical certificate charges

• Preparation charges

• Washing charges

• Medicine box charges

• Courier charges

External Durable Device Charges

External durable devices are often needed for the healing of a patient. But, since the patient is already treated at this point, these charges are not covered under RGHS. Here are some of the charges that fall under this category.

• Commode

• Spacer

• Spirometer

• SPO2 probe

• Splint

• Cervical collar

• Thermometer

• Steam inhaler

• Ambulance collar

• Bipap machine

Exception Items That Are Payable When Supported By A Prescription

There are certain items that are not covered usually under RGHS unless specifically mentioned through a doctor’s prescription. Here are some of the items that fall under this category.

• Gloves

• Listerine

• Lozenges

• Mouth paint

• Nebulisation kit

• Zytee gel

• Vaccination charges

Conclusion

These are some non-medical costs that are not covered under RGHS for the treatment of swine flu. To get the full picture of all the charges not covered under RGHS, please check out the official coverage list released by the RGHS portal. And if you are searching for the best medical treatment for swine flu under RGHS coverage, be sure to visit MediPulse hospital.

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RGHS Non-Coverage List For ADHD Treatment In Kids

Attention Deficit Hyperactivity Disorder, is a very common problem with which children are diagnosed. The RGHS scheme is very inclusive regarding covering the treatment costs of any medical illness. However, there are some non-medical costs that are not covered under the RGHS scheme because these charges are not to be billed individually in most cases. The reason why these costs are not covered under RGHS will also be mentioned in this blog. So, let’s review the non-coverage list of RGHS for ADHD treatment in kids closely.

Details Of Charges Not Covered Under RGHS For ADHD Treatment In Kids

Hospital Expenses

These charges are supposed to be paid for by the hospital and can not be billed individually or as a part of other treatments. The charges include but are not limited to

• Alcohol swabs

• Scrub solution

• Sterillium

• AND

Administrative Charges

Administrative charges include various charges that are not covered under RGHS because they fall under the administrative charges of the hospital and are to be borne by them. The charges include but are not limited to

• Medical certificate

• File opening charges

• Preparation charges

• Photocopies charges

• Patient identification card charges

• Documentation charges

Toiletries & Personal Comfort Items

These charges are not covered because they are classified as non-medical charges. These charges are not related to the treatment in progress, so they are not covered under the policy. The charges include but are not limited to

• Baby set

• Bottles

• Towel

• Shoe cover

• Beauty services

• Hand wash

• Mouth wash

• Powder

• Buds

• Brush

• Comb

• Room freshener

• Eau de cologne

• Tissue paper

• Toothpaste

• Toothbrush

• Camera cover

• Face mask

• Diaper charges

• DVD or CD charges

• Guest Services

External Durable Devices

These charges are for devices that are related to the treatment. These devices are often a part of the post-care of the patient and are hence not covered under the policy. It should be noted, however, that these charges are not covered even more so because they are not related to the treatment of ADHD in kids as well. The charges include but are not limited to

• Walking aids

• Nebulizer kit

• Cervical collar

• Thermometer

• Splint

• Knee braces

• Commode

• Spirometer

• SPO2 probe

• Steam inhaler

• Abdominal binder

• Knee immobilizer

• Lumbo sacral belt

Specifically Excluded Treatments Under RGHS

There are certain treatment options that are not covered under RGHS because of policy. These treatments, if prescribed by doctors, will still not be covered by the policy until the policy is changed or edited. The treatments include but are not limited to

• Weight control medications, services, or programs

• Hormonal replacement therapy or treatment

• Obesity treatment

• Admission or registration charges

• Home visit charges

• Charges of spectacles, contact lenses, and hearing aids

• Psychiatric treatment charges

• Psychosomatic disorder treatment charges

• Stem cell implantation or surgery charges

• Donor screening charges

• Charges related to the investigation of unrelated diseases other than the one the patient is admitted

• Infertility treatment charges

• Assisted conception procedure charges

• Hospitalization charges for diagnostic purposes or evaluation

Conclusion

So, these were some of the most common non-covered charges under RGHS. To find the complete list, check out the official list of all the charges not covered under RGHS released by the RGHS portal. If you are interested in learning more about RGHS coverage or want to visit the best RGHS partner hospital in Jodhpur for your treatment, check out MediPulse hospital. MediPulse is a multispeciality hospital in Jodhpur equipped with the best in-line medical facilities and an experienced staff of highly qualified medical staff to help you get over your health problems easily. For more information about MediPulse, visit the hospital website.

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What Non-Medical Costs Are Not Covered Under RGHS For Ligament Injury of Football Players

Football is a contact sport, meaning players are bound to get injured during the game. Be it a bad foul or a genuine tackle gone wrong, thousands of players get injured playing football at all levels of the game every year. The variety of injuries football players experience can be varied, and medical insurances do its best to cover treatment expenses. However, certain costs are not covered by the insurance during the treatment procedure. What are the costs? Let’s find out!

What Costs Are Not Covered Under RGHS For Ligament Injury of Football Players?

Several categories of costs are not covered under RGHS for ligament injuries of football players. These categories include non-medical personal comfort items, hospital charge items, administrative charges, and external durable device charges. Let’s review individual items that are charged under each of these categories.

Non-Medical Personal Comfort Items

• Barber charges

• Beauty services

• Bedpan

• Powder

• Razor

• Towel

• Email or internet charges

• Food charges

• Telephone charges

• Oil charges

• Laundry charges

These charges are non-payable because they are non-medical in nature. In case any particulars of this list are even used for medical treatment, the service itself is to be charged and not the particulars themselves.

Hospital Charge Items

Hospital charges include items that are not to be paid for by RGHS specifically. These items are used for certain services that are covered under the policy, and the individual items are not to be billed separately.

• Boyle’s Apparatus charges

• Cotton bandage/cotton

• Urine container

• Eye kit and drape

• Arthroscopy and endoscopy instruments

• Tourniquet

Administrative Charges

Administrative charges account for charges that are related to hospital administration and not related to the treatment of the patient. This involves charges and formalities that patients need to fulfill in order to get the patient ready for treatment at the hospital. The particulars of the exact charges that are not covered under RGHS are mentioned below.

• Admission kit

• Conveyance charges

• Discharge procedure charges

• Maintenance charges

• Medicine box

• Visitor pass charges

• Photocopy charges

• Certificate charges

• Incidental charges

External Durable Device Charges

External durable devices are used after the successful completion of the treatment procedure. These devices are used during the recovery process of the patient, and they are not covered under RGHS policies.

• Nebuliser

• SPO2 probe

• Knee braces

• Knee immobilizer

• Arm sling

• Splint

• Cervical collar

• Pulse oximeter charges

• Walking aid charges

• Bipap machine

So, these are some of the charges not covered under RGHS due to policy. You can get the complete list of all the charges that are not covered under RGHS on the official RGHS portal.

Conclusion

Even though these charges are not covered under the policy, ligament injuries of football players can be treated without these charges as well. If you want to learn more about RGHS coverage, you can visit MediPulse hospital in Jodhpur. MediPulse is a partner hospital of RGHS and accepts RGHS policy coverage. 

If you or your loved ones are a footballer that is suffering from a ligament injury, you can visit MediPulse for the best treatment facilities. The experienced medical staff at the hospital can help you recover quickly and be at your best. MediPulse is equipped with high-tech medical infrastructure that helps them treat your ligament problems quickly and safely. You can find more information about ligament injury treatment at MediPulse on the hospital website. However, you can also visit the hospital in person and get yourself checked out.

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Medical Costs Not Covered Under The RGHS Scheme For Sports Medicine Treatment

The Rajasthan Government Health Scheme is the premier health insurance scheme offered by the state government for its employees. However, as with any health insurance, some charges are not covered by the insurance because of the policy. When it comes to sports treatment, where invasive procedures are pretty common, there are still some charges that the policy does not cover. What are the costs not covered under RGHS for sports medicine treatment? Let’s find out.

Which Medical Costs Are Not Covered Under RGHS For Sports Medicine Treatment?

Sports medicine deals with many injuries that require medical attention, but most often, it’s not emergency treatment. Doctors take time to assess the damage and plan a course of treatment that would be appropriate in helping the sportsperson recover best. However, during the course of treatment, here are some of the costs that the policy does not cover.

• Non-medical consumable item costs

• Items excluded explicitly from RGHS by policy

• Hospital charges

The charges mentioned above are not covered under RGHS. However, there are various particulars inside each of these categories that you must know. So, let’s explore each of these categories and the individual costs that are not covered under RGHS from each of these categories.

What’s Not Covered Under Non-Medical Consumable Items?

Non-medical consumable items include and are not limited to toiletries, convenience, personal comfort, and cosmetic items. These items are considered non-medically essential in the treatment process, which excludes them from coverage according to the policy. Here are some of the items which are considered non-medical consumables.

• Beauty services

• Combs

• Barber charges

• Eau de Cologne

• Sanitary napkins

• Toothpaste and toothbrush

• Gown

• Caps

• Foot cover

There are exceptions to this category, which are covered only under special or specific conditions. Here are the products covered under special circumstances under non-medical consumables.

• CDs: Exception is made if the CD of the procedure is requested to be submitted by the insurer.

• Slings: There are exceptions to slings, as patients can be eligible for one sling in specific circumstances, such as a fracture in the upper arm.

What’s Not Covered Under Specific Exclusions of RGHS?

Specific exclusions are not covered under RGHS currently. However, if there are any changes to the policies of RGHS, their coverage status can be changed in the future. Let’s review the exact particulars that are not covered under RGHS.

• Spectacles or contact lenses

• Hearing aids

• Hormonal treatments

• Psychiatric treatments

All of these treatments are not covered under the RGHS scheme as per the current policies. If the guidelines are changed, they may be included in the coverage list in the future.

What’s Not Covered Under Hospital Charges Under RGHS?

Hospital costs include costs that are either already billed to the insurer in a different section or are not covered at all and need to be paid by the patient. These items include regular hospital items as well as intensive care items. The particulars are mentioned below.

• Tourniquet

• Urine collector

• X-ray film

• Surgical blades

• Cotton

• Boyle’s Apparatus charges

These charges are included in other sections and, as such, must not be billed separately when you are submitting your billing information at the RGHS portal.

Conclusion

This article is a short overview of some of the charges not covered by RGHS policies. To better understand all the charges, you can check out the official non-coverage list of RGHS on the official website (rghs.rajasthan.gov.in). So, to ensure that your sports medicine treatment is done by the most experienced doctors at our hospital who partner with RGHS and understands their billing processes thoroughly, visit MediPulse hospital. You can find more information about sports medicine treatment at MediPulse on the hospital website.

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Coverage List: What’s Not Covered In Neurosurgery & Neurology Under RGHS

The Rajasthan Government Health Scheme provides a comprehensive health insurance package for government employees of Rajasthan. However, health insurance doesn’t cover every medical expense imaginable, even when it comes from the government. There is a lot of information about the coverage details for various conditions and treatments under RGHS, but do you wonder what’s not covered by the scheme? Sure, there are the basics, such as cosmetic surgery, which is not generally covered by any health insurance. But what else? Let’s find out.

Non-Medical Expenses Not Covered In Neurosurgery & Neurology Under RGHS Scheme

Neurosurgery and neurology often require serious treatment and surgical procedures to treat the patient. The medical expenses of these treatments are well-covered under the RGHS scheme. However, there are certain types of non-medical expenses that are not covered under the RGHS scheme. Here are the details.

Toiletries, Personal Comfort, Convenience, & Cosmetic Items

This is one of the sets of products that are not covered under the RGHS scheme. This means if you need to use these products during your treatment or recovery process at the hospital, the scheme will not cover the cost of these items, and you will need to pay for them. Some of the items under this set are mentioned below. You can find the complete set from this link.

• Bottles

• Brush

• Baby Food

• Powder

• Shoe Cover

• Beauty Services

• Comb

• Eau de Cologne

• Barber Charges

• Cold/Hot Packs

• Caps

• Foot cover

• Gown

• Laundry Charges

• Sanitary Napkins

• Toothpaste

• Toothbrush

There are a few items that are generally non-payable except for specific cases under this set. They are mentioned below.

• Belts or Braces - These items are payable in cases where the patient has gone through thoracic or lumbar spinal surgery.

• Leggings - This item is payable in cases where the patient has had varicose vein surgery or bariatric surgery.

• Slings - The cost of this item is borne by the scheme in cases where the patient has had an upper arm fracture. However, the coverage is only limited to one sling.

• CD Charges: The CD charges of any procedure are not payable unless the CD is explicitly requested by the insurer or TPA; in such cases, the charges are covered under the scheme.

Specifically Excluded Items Under The Policies Of RGHS Scheme

There are certain treatments and items that are specifically not covered under the RGHS due to its policies. However, these items are currently considered non-payable. If the policies of the scheme are changed in the future, they can be updated and changed to be covered under the scheme. Some of these treatments and items are mentioned below. You can find the complete list here.

Specific Exclusions Of the RGHS Scheme

• Cost of Hearing aids

• Cost of Contact lenses or spectacles

Next, let’s review treatments and items that are currently not covered as per RGHS policies.

• Hormonal treatments

• Weight loss supplies or treatment

• Infertility treatment

• Psychiatric treatment

• Obesity treatment

• Hospitalization charges for diagnosis

• Hospital admission fees

There are also specific treatment options that are not payable due to certain terms and conditions of the RGHS scheme.

• HIV/AIDS Treatment: Any treatment for HIV or AIDS is not covered under the RGHS scheme. Even if HIV is discovered accidentally in the patient’s body, the scheme still doesn’t cover the treatment costs.

• Diagnostic cost of any disease other than for which the patient is admitted to the hospital

Items Excluded Because They Are Part Of Hospital Charges

These items are not to be billed separately. They are billed inclusively among hospital charges. Some of the specific items are mentioned below. However, you can check out the complete list here.

• Surgical blades

• X-ray film

• Eye kit and drape

• Boyle’s Apparatus charges

• Band-aids

• Cotton

• Apron

• Tourniquet

• Urine Container

Conclusion

So, that is a complete overview of all the various non-medical charges that are not covered under the RGHS scheme when you go through neurosurgery. Make sure you keep these specific details in mind when you are filling out your hospitalization details on the RGHS portal, as it will ensure your claim gets accepted and settled quicker. And if you are looking for an RGHS-compliant/partner hospital that will help you go through your treatment with the least imaginable hassle, make sure you visit MediPulse hospital. You will find the best neurological treatment options at MediPulse. For more information about the hospital or the in-house neuro department, visit the hospital website.

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What you need to know about RGHS packages & their codes

RGHS, which stands for Rajasthan Government Health Scheme, was introduced in September 2021. It’s a government health insurance scheme aimed at state government employees, pensioners, and other people employed directly under the state government. RGHS has been a huge success, with over 10 lakh beneficiaries registered online RGHS portal. RGHS is a web-based application where the application and claim settlement process is completely online. The online nature of this scheme makes it crucial that you as an individual learn various details of the scheme, as you would need the knowledge to navigate and adequately use the software. So, continue reading this article to aid your knowledge about RGHS packages and their codes.

What are RGHS packages & package codes?

RGHS packages are the exact itemized treatment options covered under the scheme. This list of packages covers in excruciating detail every condition and the precise treatment option that is covered under the scheme. To make tracking easier, each package that is a treatment for any covered condition is labeled using a packaging code. The list also mentions the NABL, non-NABL, NABH, and non-NABH rates of all the treatment options mentioned in the list. This helps you know the exact cost of any treatment you have gone through and use that data to fill out your reimbursement form accordingly. If you opt for cashless medical treatment, the hospital will submit the invoice to the government with the package code and the approved rate of the treatment you got to get their payment.

Why did you need to know about RGHS packages & their codes?

You would want to learn about the RGHS packages and their codes for two reasons.

Understanding coverage of RGHS

RGHS offers comprehensive coverage of various critical and day-to-day health conditions. As this scheme was introduced post-COVID, COVID-19 infections of beneficiaries and family members are offered under this scheme. So, studying the list can help you understand all the various treatment options covered under this scheme. This knowledge can help you understand if the scheme is right for you or not. Moving on to the next point

Learning the NABL & NABH rates of all RGHS packages

If you are going through any medical condition covered under the scheme, learning about its cost can help you determine the timeframe of your treatment. If you have any medical emergency, the cost you bear for your treatment is also reimbursable per the scheme. However, to settle your claim, you must present the government with the exact details of your treatment cost very minutely. This data will then be verified, and only then will your claim be settled. So, to ensure that your claim is settled and not rejected, you must learn about the packages and their details.

Where can you learn about RGHS packages & codes?

As the entire RGHS platform is based on the internet, all data regarding this scheme is available on the official scheme website, rghs.rajasthan.gov.in. To make life a bit easier, here is a downloadable package list pdf with all the information about every treatment option available under the scheme.

• Downloadable package list pdf; this list contains all the package information, including the price of each treatment as per NABL and NABH.

A list of all the items in medical treatment that are not covered under the scheme is also mentioned below to help you learn more about the items or services that are not covered under the scheme.

• Downloadable exception list for learning about the exceptions to the scheme for which the claim will not be settled.

Conclusion

RGHS is a great health insurance scheme with considerable coverage and affordable pricing accessible to everyone. So, if you are a beneficiary of RGHS, be sure to visit and get your treatment from MediPulse for the best treatment experience and the fastest recovery from your ailments. For more information, be sure to go through MediPulse hospital’s website.

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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 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.

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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 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. 

1. First, the insurance plans reduce worries about arranging the finances needed to complete the surgery.

2. Most medical insurances cover treatment costs, from surgery to after-care, medicines, and so on.

3. There won't be any delay in the treatment since the money will be wired to the hospital immediately after approval.

4. 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: 

1. The premium to be paid for this health insurance scheme is approximately INR 850 per family.

2. 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.

3. One can receive treatment from most hospitals, both private and government.

4. 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

1. This new health insurance scheme is launched to provide financial assistance to pensioners and working employees. 

2. For this, employees won't have to pay the entire EMIs. Instead, 50% of the calculated amount will be deducted from their paycheck. 

3. 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.

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How to check your RGHS balance?

With the launch of RGHS or Rajasthan Government Health Scheme in 2021, most people with different economic slabs can now avail the best medical treatment. The scheme was formulated for active employees and pensioners to easily help funds for outpatient and inpatient treatment procedures. For complicated health treatments, every registered family will get a maximum fund valuation of INR 15 lakhs and an annual amount of INR 20,000. 

With so many wonderful benefits, almost 13 lakh families have registered for this scheme. Different fund types are offered to each family, so you should know the right process to check the balance. This will help you spend the fund properly without any hurdles. Below, we have discussed the best ways to check your RGHS balance online in the easiest possible manner.

How to check the RGHS balance online?

Before raising any claim or opting for cashless OPD treatment, you must check the RGHS balance left under your or your family's name. To do so, You can take the actions listed below. and complete the task in minutes.

1. To begin with, you must go to the official platform of Rajasthan SSO. 

2. Once you are on the official site, enter your name, password, captcha, and other login details to enter your account. 

3. You need to search for the RGHS portal link, as you will be redirected to the homepage. 

4. If you cannot view the same on the website as it is, To hasten the procedure, utilise the search bar.

5. Click on the link, and a new portal will open up for RGHS.

6. Here, you will get a complete list of options for performing different operations against the RGHS account. 

7. Click on the last option saying RGHS card limit tracker.

8. Once you click on the button, a popup window will appear and show the remaining balance. You have the total balance and the use one. 

9. There will be two windows. The first one is for OPD or outpatient, and the second one is for IPD or inpatient. 

Things you need to consider while checking the RGHS balance

Several things need to be considered before you start checking the RGHS balance. In this following section, we have illustrated the essentials you must gather beforehand. 

1. You should have a valid account on the Rajasthan government's SSO platform. 

2. Apart from this, you get the RGHS card because the card number will be required when checking the RGHS balance. 

3. You must have all the documents or transaction history against the RGHS card to ensure the balance shown on the website is right. 

Pre-approved and post-approved medical expenses with RGHS

The RGHS claim scheme offers IPD and OPD treatment funds, unlike other insurance schemes. If you do not have any clear idea about these two sub-schemes, the below description will help you understand the entire concept.

1. In inpatient treatments, you need to pay the bills first. Once done, you can submit all documents to the claim portal for the insurance amount. You also need to show valid ID proof for verification. 

2. The outpatient claim is mostly cashless. You can easily pay for consultations, therapies, lab treatments, and pharmacies. Here, you won't have to worry about paying the amount from your pocket. Instead, the entire transaction will happen directly between the insurance provider and your company. 

Conclusion 

Now that you know the entire process for checking the RGHS balance ensure to run an eye over the balance limit before booking the consultation for anything else. and if find any problems, you can contact Medipulse hospital TPA cell for more information.

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Is Joint Replacement covered under the RGHS scheme?

The RGHS or Rajasthan Government Health Scheme is a health insurance scheme for all the government pensioners, both state and central, ministers, members of the legislative assembly, judges, and government employees of the state and centre, along with their dependents. This scheme offers up to ten lakh rupees of medical expenditure coverage at any government or empanelled private hospital in the state of Rajasthan in a year. The RGHS scheme was repurposed after the announcement of the Chiranjeevi scheme, which offered government health insurance to the general public. The RGHS scheme offers coverage for different orthopaedic treatments and procedures. Let's find out if joint replacement is one of the procedures covered under the scheme.

What is Joint Replacement Surgery?

Joint Replacement Surgery is a medical procedure where a part or entirety of a joint is removed and replaced by artificially manufactured implants. This surgical procedure is done mostly as a treatment course for advanced arthritis or accidental damage to the body. A successful joint replacement surgery, be it partial or complete, can help you relieve the pain from arthritis and provide you with the ability to move normally and live a healthy and normal life again. Today, joint replacement surgeries can be performed with minimal invasion to expedite the recovery time of patients. Medical technology has taken strides to ensure the safety of patients before, during, and after these surgeries. But, why are joint replacements so popular nowadays? It's because of the prevalence of arthritis. Let's learn a bit more about that.

Arthritis And Its Prevalence In India

Arthritis is a very common disease in India that affects ageing women mostly. Over 180 million in India have arthritis every year; the prevalence of arthritis is more than diseases like cancer and AIDS in India. The symptoms of arthritis can start showing as early as 35 in women. In states like Rajasthan, more than 8% of the entire population is suffering from arthritis. As arthritis is an incurable disease, the treatment options do not range much. Joint replacement is one of the only long-term treatment options for arthritis which is now becoming more accessible to people thanks to medical insurance. So, is joint replacement surgery covered under the RGHS scheme?

Joint Replacement In RGHS: Does the RGHS scheme cover joint Replacement Surgery?

Yes, various joint replacement surgeries are covered by the RGHS scheme. The surgeries that are covered under the scheme are:

• Total Hip Replacement Surgery

• Total Ankle Joint Replacement

• Total Knee Joint Replacement

• Total Shoulder Joint Replacement

• Total Elbow Joint Replacement

• Total Wrist Joint Replacement

• Total Finger Joint Replacement

These are some of the joint replacement surgeries covered under the RGHS scheme. You can learn more about the coverage details of the RGHS scheme here.

Joint Replacement Surgery at Medipulse Hospital

As the best private hospital in Jodhpur, Medipulse Hospital is one of the best choices for getting your joint replacement surgery if you have serious arthritis. Medipulse Hospital offers proper guidance and counselling of the patients before and after the surgery. They also recommend and provide physical therapy treatments before and after the surgery to ensure a proper and speedy recovery. Best of all, Medipulse hospital accepts health insurance for orthopaedic procedures such as joint replacement surgery, allowing you to go through this procedure without bearing its cost by yourself.