CGHS – Reimbursement of Claims – Guidelines for Claim submission

Know How to Submit Medical Reimbursement Claims – CGHS Guidelines

Reimbursement of Claims 
Claim submission 

Know How to Submit 
  1. In case of treatment in emergency in non-empanelled hospital/expenditure incurred for treatment in empanelled hospital, Medical Reimbursement Claim (MRC) will have to be submitted by the beneficiary for reimbursement of expenses incurred. 
  2. The claim is to be submitted to the concerned department by serving employees and to the CMO I/C of the CGHS wellness Centre (where the CGHS card is registered) by the pensioner beneficiary within 3 months of discharge from the hospital. 
  3. In case of delay in submission of claim beyond 3 months, the reasons justifying the delay must be stated by the beneficiary in a forwarding letter. 
  4. The claim is to be submitted in duplicate in the prescribed form. 
The following enclosures must be attached with the claim forms (duplicate):- 

  1. Copy of CGHS card of patient (along with copy of CGHS card of principal cardholder if patient is other than the principal cardholder) 
  2. Copy of permission letter, if any 
  3. Emergency certificate (in original), in case of emergency admission 
  4. Copy of discharge summery 
  5. Ambulance use certificate (original), if any 
  6. Original bills/vouchers/ cash memo etc. for the amount claimed 

Other information/documents to be provided wherever applicable- 

  1. Break up of investigations /tests (details of individual tests, number of tests with rates) from hospital. 
  2. In case of lost papers, photo copies/ duplicate copies of bills attested by treating doctor along with affidavit in prescribed format to be submitted 
  3. In case of death of principal cardholder affidavit as per prescribed format to be enclosed 
  4. In case partial settlement of claim by any insurance agency, copies of bills duly endorsed by insurance agency, mentioning that original bills have been retained by them and amount of claim settled by the agency, to be submitted. 
  5. The documents to be attached in case- (I) if implant used- invoice number, sticker with serial number of implant (II) if coronary stent/ s used-outer pouch of stent/ s with sticker (III)when pacemaker/ ICD) replaced-copy of warranty certificate of earlier pacemaker/ ICD) 
  6. The bank details in the mandate form needs to be enclosed 
  7. The telephone number and email ID of the beneficiary should invariably be mentioned correctly. 
  8. Cancelled cheque/ Photocopy of a cheque needs to be enclosed 

Acknowledgement and following up of the claim submitted: 

  • The claim is to be submitted at the CGHS wellness Centre where the beneficiary is registered. On verification as per checklist if the claim is found to be complete with all documents then an acknowledgement will be generated with a claim number in the computer module of the wellness Centre. 
  • The status of the claim can be viewed in the CGHS computer module using the claim number. 
  • Particulars of the claims which are more than one month old are now displayed on the CGHS website. 
MRC claimed from dual source (CGHS and Medical Insurance Company) 

In case the beneficiary is also covered under Insurance and the claim has been settled by the Insurance Agency, the liability of CGHS will be reimbursement to the extent of balance of total claim after payment by insurance company subject to the maximum amount of CGHS rate. 


  • By and large the details mentioned are OK. There is one incorrect fact ie regarding the reimbursement from two sources – insurance first and balance from CGHS & vice versa. It is mentioned that the balance is restricted to CGHS rate which is incorrect; it was originally restricted to the CGHS rate but after our fight it has been rightly amended to the payment made to the hospital. If needed I can fish out both OMs and upload on this site – Mukuntharajan, ex-General Secretary, All Inida Federation of Pensioners' Associations and Hon. Consultant for Central Govt. Service & Pension issues