CGHS & ECHS
Serving and retired central government employees (CGHS) and ex-servicemen with their dependants (ECHS) carry some of the strongest health cover in the country. The scheme rules are the confusing part — bring your card, and our counsellor maps the exact route for your case.
Who is covered
CGHS covers central government employees, pensioners and their dependant family members enrolled in a CGHS city — Lucknow is one. ECHS covers ex-servicemen drawing pension and their dependants through the polyclinic network. In both schemes, cancer diagnosis and treatment sit firmly inside the entitlement; the questions are only about route and paperwork.
How treatment typically proceeds
- Step 1Start with your cardCGHS beneficiary card or ECHS smart card — it defines your entitlement and ward category
- Step 2Referral where requiredCGHS wellness centre or ECHS polyclinic referral is the usual gateway for planned treatment; emergencies follow a faster path
- Step 3We map the routeOur counsellor confirms the applicable route for your case — empanelment status, referral formality, or reimbursement path — before anything is scheduled
- Step 4Costs in writingWhatever the scheme covers and whatever, if anything, falls to you is put in writing before you consent
The honest note
Scheme rules on empanelment, referrals and rate lists change, and they differ between CGHS and ECHS. We will never wave you in on a vague "yes, covered" — the counsellor verifies your specific entitlement and route first, and if any part of a plan would fall outside the scheme, you hear the number before treatment, not at discharge.
Common questions
Do I need a referral before coming to you?
My parent is my dependant on CGHS. Are they covered for cancer treatment?
What about emergencies?
Send us the biopsy report. We will tell you where you stand.
A second opinion costs you nothing and often changes the plan. Share your reports on WhatsApp and a surgical oncologist will review them before your first visit.