Pensioners, take note! Before opting for the Ayushman Bharat PM-JAY health card, understand the irreversible impact on your CGHS benefits. Here’s what you need to know.
Attention: Retired Central Government Employees and CGHS Beneficiaries
It has come to light that many CGHS beneficiaries are considering enrolling in the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) scheme. Before making a decision, it is crucial to understand the following points:
1. Exclusive Choice is Mandatory
If you are a CGHS beneficiary, you cannot avail of the benefits of both CGHS and AB PM-JAY simultaneously. As per government rules, you must choose either CGHS or AB PM-JAY—not both.
2. Irrevocable Decision
If you surrender your CGHS card and opt for AB PM-JAY, you cannot revert to CGHS later. This decision is permanent and irreversible.
3. Advantages of CGHS
Retired central government employees enjoy several benefits under CGHS, including:
- Comprehensive healthcare coverage tailored for retired employees.
- Access to a wide network of empanelled hospitals and wellness centers.
- Lifelong healthcare benefits specifically designed for central government pensioners.
4. Risks to Consider
By switching to AB PM-JAY, you may lose exclusive benefits provided by CGHS, which cannot be replaced under the PM-JAY scheme.
5. Recommendation
CGHS beneficiaries are strongly advised to retain their CGHS membership and refrain from opting for AB PM-JAY. Carefully evaluate the long-term implications of surrendering CGHS benefits, as this decision cannot be undone.
For further clarification, please visit your nearest CGHS Wellness Center or consult the official guidelines.
The above article resembles Many retired senior citizens opinion.
I am a retired central govt employee aged 83 years residing at non cghs station should i opt for cghs or ab pm jay
In CGHS you get OPD facility ,,while in PM jay only indoor facility/treatment
As choice is yours