RGHS & CGHS Cashless Treatment in Jaipur: Process, Documents and What’s Covered

Are you a government employee or pensioner who needs surgery and is unsure whether the bill will be cashless? RGHS and CGHS cashless treatment in Jaipur is available at empanelled hospitals when you show a valid card, with approval as per scheme rules. If you or a parent holds an RGHS or CGHS card, a multispeciality hospital in Jaipur that is empanelled under the scheme can treat you on a cashless basis, as long as the card and approvals are in order. Keep reading to know more about RGHS and CGHS cashless treatment in Jaipur.

Note: RGHS is for Rajasthan government beneficiaries, while CGHS is for central government beneficiaries. Please confirm the hospital's current empanelment before a planned admission. Rules checked in November 2026.

What Is the Difference Between RGHS and CGHS?

RGHS is the Rajasthan government's health scheme for state beneficiaries, and CGHS is the central government's scheme for central employees and pensioners. Both allow cashless treatment at empanelled hospitals at CGHS package rates.

The two schemes are run by different departments, so the card, the approval route and the paperwork are not the same. The table below puts them side by side, and it also shows why RGHS cashless treatment and CGHS treatment need separate checks.

Who Is Eligible for RGHS and CGHS Cashless Treatment?

RGHS covers Rajasthan government ministers, legislators, All India Service officers, and serving and retired state employees. CGHS covers central government employees and pensioners along with their eligible dependants. Each scheme has its own registration and card, so one cannot be used in place of the other.

RGHS Eligibility

The RGHS beneficiary categories, as listed on the official RGHS portal, include:

• Ministers, MLAs and ex-MLAs
• All India Service officers
• Serving and retired state government employees
• Employees of state autonomous bodies, by category

Eligible family members are linked through Jan Aadhaar, so keep those details updated. Your RGHS card shows your registration, and the ward you are entitled to depends on your pay level and category.

CGHS Eligibility

A CGHS card is held by central government employees, pensioners and other listed categories, along with their eligible dependants. The CGHS website explains who is covered and lists the empanelled hospitals for each city.

Pensioners get cashless treatment at empanelled private hospitals for the procedures that the hospital is empanelled for. Serving employees may need permission from their department, so check the current rule with your office before admission.

How Does RGHS Cashless Treatment Work in Jaipur?

Show your RGHS card at the hospital's RGHS desk. The hospital verifies you and raises the approval, and treatment is billed to the scheme at package rates. A hospital desk coordinator usually walks the family through these steps:

1. Check that the hospital is currently empanelled for your treatment using the RGHS empanelled hospital list. The RGHS portal publishes the list of empanelled hospitals and pharmacies.
2. Carry your RGHS card or Jan Aadhaar and the mobile number registered with RGHS.
3. Visit the hospital's RGHS desk after the doctor advises admission or a day-care procedure.
4. Let the hospital verify you, usually through an OTP, and raise the cashless request.
5. Receive treatment at package rates, with the room as per your entitlement.
6. At discharge, check and sign the bill and keep copies of all papers.

The RGHS cashless process is meant for empanelled hospitals. Reimbursement is allowed only in limited cases, such as a genuine emergency at a hospital where cashless was not available. For help at any stage, call the RGHS helpline on 181.

Along with empanelment, many families also check our list of NABH-accredited hospitals in Jaipur.

How Does CGHS Cashless Treatment Work? (CGHS Referral Rules)

For planned treatment at a private empanelled hospital, CGHS usually needs a referral from your Wellness Centre. Emergencies do not need a referral.

The CGHS referral rules were revised in June 2024. The points below follow the MoHFW Office Memorandum of 28 June 2024 and the CGHS SOP:

• A referral from a CGHS Wellness Centre doctor is valid for 3 months and covers up to 3 specialists and 6 consultations.
• Routine listed tests and minor procedures that do not need admission need no further endorsement within that period, if the empanelled hospital's specialist advises them.
• CT, MRI and PET scans, and any test costing over Rs 3,000, still need endorsement.
• Any procedure that needs admission needs a referral or endorsement from the CGHS Medical Officer, valid for 3 months.
• Unlisted procedures need approval from CGHS (for pensioners) or the Head of Department (for serving employees).
• Beneficiaries aged 70 and above can consult a specialist directly without a referral.
• In an emergency, the hospital should not insist on a referral and treats on the basis of an emergency certificate from the treating specialist.

In an emergency, go straight to a hospital with 24/7 emergency and critical care and carry your scheme card. You can find the list of CGHS empanelled hospitals in Jaipur on the CGHS website, and the hospital desk can confirm which treatments they are empanelled for.

Documents Required for RGHS and CGHS Cashless Treatment

The three most important items are a valid scheme card, a photo ID and, for CGHS planned treatment, a valid referral. Keeping everything in one folder saves time at the desk. The documents required for RGHS and CGHS differ slightly, as shown below.

Ask the hospital desk to confirm this list for your case before the day of admission.

What Is Covered Under RGHS and CGHS?

Both schemes cover admitted treatment (IPD), day-care procedures, OPD consultations and listed investigations at empanelled hospitals, billed at CGHS package rates. A package rate is a fixed amount set by the scheme for a procedure. It usually bundles the surgeon's fees, the room, routine medicines and standard tests for that procedure.

If you are planning a knee or hip surgery, read our guide on RGHS and CGHS joint replacement in Jaipur.

The room you get depends on your pay level or category. If you choose a higher room category, the difference may have to be paid by you. The final bill depends on the procedure, your room entitlement and any non-admissible items.

For patients without a scheme card, our guide on knee replacement surgery cost in Jaipur explains what affects the bill. These items may not be covered:

• Non-admissible items as defined by the scheme.
• Unlisted procedures done without prior approval.
• The difference in room charges if you choose a higher category.

Ask the hospital for an estimate and an itemised bill. The Charter of Patients' Rights and Responsibilities gives patients the right to know the expected costs and receive a detailed bill.

Why Cashless Approval Gets Delayed and How to Avoid It

Most delays come from card or Jan Aadhaar details that do not match, an expired referral, or a treatment the hospital is not empanelled for. Most of these can be fixed before you reach the hospital.

These are the usual causes:

• The card is inactive, or your mobile number is not linked.
• Name or family details are not updated in Jan Aadhaar.
• The CGHS referral is older than 3 months.
• An unlisted procedure is waiting for approval.

Scheme rules and hospital participation can change, so call the hospital desk before a planned admission. This is also the simplest way to confirm a cashless hospital in Jaipur for your specific treatment.

RGHS and CGHS Cashless Treatment at Nav Imperial Hospital, Jaipur

Nav Imperial Hospital and Research Centre at Kawatiya Circle, Shastri Nagar, Jaipur treats RGHS and CGHS beneficiaries on a cashless basis for its empanelled specialities. Families are advised to confirm the current empanelment for their treatment with the hospital before admission.

Nav Imperial Hospital is headed by Dr Sachin Gupta, an orthopaedic and joint replacement surgeon, and Dr Mahesh Jangir, a laparoscopic and general surgeon. The hospital's RGHS and CGHS desk helps families with card checks and approvals. Listed services include:

• Joint and knee replacement
• Hip replacement
• Ligament surgery
• General and laparoscopic surgery
• Bariatric surgery
• Gynaecology
• ENT
• Critical care and 24/7 emergency

Many families look for an RGHS hospital in Jaipur that can handle both planned surgery and emergencies under one roof. Families with central government cards ask the same question about a CGHS hospital in Jaipur.

Frequently Asked Questions

1. Is RGHS Treatment Fully Cashless at Private Hospitals in Jaipur?

It is cashless for covered treatment at empanelled hospitals, billed at package rates. Items outside the package, or a higher room category, may have to be paid by the patient.

2. Do I Need a Referral for CGHS Treatment at a Private Hospital?

Yes, for planned treatment, you need a Wellness Centre referral, valid for 3 months. No referral is needed in an emergency, and the hospital should treat you first. Keep the referral handy, as the hospital will check its date and the specialists listed on it.

3. Can CGHS Beneficiaries Above 70 See a Specialist Without a Referral?

Yes. Since the June 2024 OM, beneficiaries aged 70 and above can consult a specialist at an empanelled hospital directly. Unlisted procedures still need approval. Carry your CGHS card and photo ID to the consultation, as the hospital will still verify your details.

4. Is Emergency Treatment Cashless Under RGHS and CGHS?

Under CGHS, an empanelled hospital should treat an emergency without insisting on a referral. Under RGHS, reimbursement is allowed in limited cases where cashless was not available, so keep all bills and reports.

5. What Documents Should I Carry for RGHS Admission?

Carry your RGHS card or Jan Aadhaar, the registered mobile for the OTP, a photo ID, and previous reports and prescriptions. These help the desk finish RGHS and CGHS cashless treatment checks faster.

6. How Can I Check if a Hospital Is RGHS or CGHS Empanelled?

Use the hospital list on the RGHS portal or the CGHS website. Then confirm with the hospital desk that your specific treatment is covered. Empanelment can differ by speciality, so a hospital on the list may not be approved for every procedure.

7. Can I Choose a Private Room Under RGHS or CGHS?

Room entitlement depends on your pay level or category. If you pick a higher category, the difference may be charged to you. Ask the desk for your entitled room category before admission so there are no surprises at discharge.

8. What Should I Do If My Cashless Request Is Delayed?

Check that your card, Jan Aadhaar and referral details match and ask the hospital desk for the reason. You can also contact the RGHS helpline on 181 or your CGHS Wellness Centre. Keep a note of the date you applied so you can quote it when you call.

9. Can My Family Members Use My RGHS Card?

Yes, eligible dependants who are linked through Jan Aadhaar and registered under RGHS can use the family’s RGHS card. Keep their details updated so verification goes smoothly.

Dr. Sachin Gupta

Director & Senior Joint Replacement Surgeon

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