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Question on Central Govt Health Scheme
Glad to be part of this forum.
I have a query - My father is an ex-army man and my mother is a retired central govt employee. I have purchased health insurance coverage for both of them (3 lakhs base + 12 lakhs super top up - individual) and have been renewing for more than 4 years now.
Recently, with insurance cost increasing , my mother mentioned that there is no need to renew health insurance policy as they are already covered by CGHS. I have no idea how CGHS works. Is there any reason to continue renewing health insurance if CGHS coverage is there? What are the pros and cons of CGHS (limits, claims etc)? Please advise.