Government Health Schemes in India: CGHS, Ayushman Bharat, ESIC & ECHS
More in CGHS Rate Lists & Eligibility
Medically reviewed by Dr. Nikhil Singh, Anaesthesia, MBBS, MD
Last reviewed: 25 Aug 2026 · How we review health content
India has several government health schemes that cover hospital treatment for different groups. This guide explains and links our detailed pages on CGHS, Ayushman Bharat (PM-JAY), ESIC and ECHS — who each covers, how rates work, and how to apply or check eligibility.
Scheme Guides, Rates and Eligibility
Explore each scheme:
- Ayushman Bharat (PM-JAY) Knee Replacement Package Rate
- Ayushman Bharat (PM-JAY) Cataract Surgery Package Rate
- Ayushman Bharat (PM-JAY) Angioplasty, Bypass and Dialysis Package Rates
- ESIC Treatment Rates Explained: How Reimbursement Works
- ECHS Rates Explained: How Ex-Servicemen Health Scheme Reimbursement Works
- How to Apply for a CGHS Card: Eligibility and Application Process
- Ayushman Bharat Eligibility: Who Qualifies and How to Check Your Name
- How to Find an Ayushman Bharat (PM-JAY) Hospital Near You
- ESIC Eligibility and Registration: Who Is Covered and How
- CGHS vs Ayushman Bharat (PM-JAY): Key Differences
Which Scheme Applies to You?
- CGHS — central government employees and pensioners in notified cities
- Ayushman Bharat (PM-JAY) — eligible poor and vulnerable families (SECC-2011), Rs 5 lakh cover
- ESIC — organised-sector workers below the wage ceiling and their dependants
- ECHS — ex-servicemen pensioners and their dependants
Frequently Asked Questions
What are the main government health schemes in India?
The main ones are CGHS (central government staff/pensioners), Ayushman Bharat / PM-JAY (poor and vulnerable families), ESIC (organised-sector workers) and ECHS (ex-servicemen).
How do I know which scheme I am eligible for?
Eligibility depends on your employment and category. Use the linked eligibility guides above for CGHS and Ayushman Bharat, and the ESIC guide for organised-sector workers.
Related
- CGHS rate list: all procedures
- Treatment cost in India: complete price guide
- Healthcare in India for NRIs and international patients
Medical Disclaimer
The information provided in this article is for general informational and educational purposes only. It is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read in this article.
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The main ones are CGHS (central government staff/pensioners), Ayushman Bharat / PM-JAY (poor and vulnerable families), ESIC (organised-sector workers) and ECHS (ex-servicemen).
Eligibility depends on your employment and category. Use the linked eligibility guides above for CGHS and Ayushman Bharat, and the ESIC guide for organised-sector workers.
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Dr. Nikhil Singh
Anaesthesia, MBBS, MD
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Written by Dr. Nikhil Singh
Anaesthesia, MBBS, MD
Last reviewed: 25 August 2026
Medical Disclaimer
The content provided on Zospital is for general informational and educational purposes only. It is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this website. If you think you may have a medical emergency, call your doctor or emergency services immediately.
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