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The Governor of Punjab is pleased to introduce a Cashless Health Insurance Scheme hereinafter referred as Punjab Government Employee and Pensioners Health Insurance Scheme( PGEPHIS) to cover indoor medical diseases as sepecified or to be sepcified by State Government. The Scheme will be applicable to all the Government Serving Employees and Pensioners on compulsory basis.
All personnel of the Punjab Government including All India Service officers, Serving, Newly Recruited, Retired who are covered under the existing Punjab Medical Attendant Rules [CS(MA) Rules, 1940] shall be offered Health Insurance Scheme on compulsory or on optional basis.

• In-patient benefits – The Insurance Scheme shall pay all expenses incurred in the course of medical treatment availed by the beneficiaries in the empanelled hospitals/ nursing homes (24 hours admission clause) within the country, arising out of any illness/disease/injury and or sickness.

• Coverage of Pre-existing diseases: All diseases under the Scheme shall be covered from day one. A person suffering from any disease prior to the inception of the policy shall also be covered.

• Pre & Post hospitalization Benefit: Benefits up to 7 days Pre Hospitalization & up to 30 days Post Hospitalization respectively which would cover all expenses related to treatment of the sickness for which hospitalization was done. The beneficiary shall avail this benefit on cashless basis in empanelled hospitals. The pre and post hospitalization investigations shall be covered at CGHS Rates.