Question 1

Is GHICO only for government employees?

Accepted Answer

GHICO primarily serves government employees, pensioners, and their dependents under CGHS and state government health schemes. However, some PSU (Public Sector Undertaking) employees may also be covered if their employer has empanelled GHICO as the TPA for their group health insurance policy.

Question 2

How does the CGHS tie-in work with GHICO?

Accepted Answer

GHICO operates as a claims processing and administration arm for CGHS-empanelled hospitals. When a government employee presents their CGHS card at a GHICO-managed hospital, GHICO verifies eligibility, authorises treatment, and settles bills directly with the hospital - eliminating the need for out-of-pocket payment.

Question 3

What is the pre-authorisation process for planned surgery under GHICO?

Accepted Answer

For planned surgery, you first need a referral from your CGHS Wellness Centre doctor. Submit this referral along with a specialist's opinion to GHICO at least 5–7 working days before the planned admission. GHICO will review and issue pre-authorisation within 48 hours of receiving all required documents.

Question 4

How are reimbursements processed for non-CGHS hospitals?

Accepted Answer

If treatment is taken at a non-empanelled hospital (in emergencies or where CGHS hospitals are unavailable), submit all original documents to your office's drawing & disbursing officer (DDO). The DDO forwards the claim to GHICO, which processes it at CGHS rates. Settlement typically takes 30–45 working days.

Question 5

What happens in a medical emergency abroad for government employees?

Accepted Answer

CGHS / GHICO coverage is limited to India. For medical emergencies abroad, government employees on official duty may claim reimbursement under Leave Travel rules or through their ministry's emergency fund. Employees travelling privately should purchase a separate international health or travel insurance policy.

Hospital Name	Location	Type	Services Available
AIIMS Delhi	Ansari Nagar, Delhi	Government	24x7
Safdarjung Hospital	Safdarjung, Delhi	Government	24x7
Ram Manohar Lohia Hospital	Connaught Place, Delhi	Government	Business Hours
Lady Hardinge Medical College	Shaheed Bhagat Singh Marg, Delhi	Government	Business Hours
Lok Nayak Hospital	Delhi Gate, Delhi	Government	24x7
Guru Teg Bahadur Hospital	Dilshad Garden, Delhi	Government	24x7
All India Institute of Medical Sciences	New Delhi	Government	24x7
Central Government Health Scheme	Various Locations, Delhi	Government	Business Hours
Dr. Baba Saheb Ambedkar Hospital	Rohini, Delhi	Government	24x7
Bhagwan Mahavir Hospital	Pitampura, Delhi	Government	Business Hours
Deen Dayal Upadhyay Hospital	Hari Nagar, Delhi	Government	24x7
Chacha Nehru Bal Chikitsalaya	Geeta Colony, Delhi	Pediatric Government	24x7
Sanjay Gandhi Memorial Hospital	Mangolpuri, Delhi	Government	Business Hours
Maharishi Valmiki Hospital	Pooth Khurd, Delhi	Government	24x7
ESIC Hospital	Okhla, Delhi	Government	Business Hours
Railway Hospital	New Delhi Railway Station	Government	24x7
Hindu Rao Hospital	Civil Lines, Delhi	Government	24x7
Rajiv Gandhi Super Speciality Hospital	Tahirpur, Delhi	Government	24x7
LNJP Hospital	Delhi Gate, Delhi	Government	24x7
Northern Railway Central Hospital	Basant Lane, Delhi	Government	Business Hours

GHICO (Government Health Insurance Company)

About GHICO

Key Services

Government Network Hospitals in Delhi NCR

Contact Information

CGHS Benefits Process

Step 1: Card Verification

Step 2: Treatment Authorization

Step 3: Cashless Treatment

Document Checklist

Cashless Claim Documents

Reimbursement Claim Documents

Turnaround Times

Frequently Asked Questions

Government Employee Health Benefits