The Rajasthan Government Health Scheme (RGHS) provides healthcare benefits to eligible state government employees, pensioners, elected representatives, and their dependents.
Key Features and Benefits
Cashless Treatment: Covers eligible hospitalization, day-care, and emergency treatment at empaneled hospitals.
Medical Expenses: Covers eligible outpatient consultations, prescribed medicines, diagnostic tests, hospitalization, and related expenses for up to 7 days before admission and 30 days after discharge, subject to scheme rules.
Coverage Limits: Benefits vary by beneficiary category. Eligible autonomous-body members may receive up to ₹5 lakh in annual family floater coverage, plus up to ₹5 lakh for eligible catastrophic illnesses, subject to scheme rules.
Eligible Beneficiaries:
Ministers, MLAs, and Ex-MLAs
Serving and retired government employees and eligible All India Services (AIS) Officers
State pensioners and family pensioners
Employees and pensioners of eligible government bodies
The Rajasthan Government Health Scheme (RGHS) has over 13.68 lakh registered beneficiaries, 38.76 lakh registered family members, and 2,704 empaneled hospitals, including 40 outside Rajasthan, according to the official RGHS website.
However, benefits vary by beneficiary category. Having an RGHS card alone doesn't guarantee cashless treatment at every private hospital or for every procedure.
In this guide, we'll explain who is eligible for RGHS, what the scheme covers, how to register, what contributions apply, and whether you need separate health insurance.
Who Is Eligible for the Rajasthan Government Health Scheme?
The Rajasthan Government Health Insurance Scheme provides healthcare benefits to eligible government employees, pensioners, elected representatives, and their families. The following groups can enroll:
Ministers and MLAs: Serving ministers, MLAs, ex-MLAs, and their eligible dependents, subject to the applicable rules.
All India Services (AIS) Officers: Serving and retired AIS officers from the Rajasthan cadre.
State Government Employees: Regular employees working in Rajasthan government departments.
Pensioners: Retired state government employees and family pensioners.
Employees of Government Bodies: Serving and retired employees of eligible autonomous bodies, boards, and public sector undertakings that have adopted RGHS.
Dependent Family Members: Eligible spouses, unmarried dependent children, and dependent parents, subject to scheme rules and Jan Aadhaar verification. This includes qualifying widowed or legally divorced dependent daughters, permanently disabled dependent children regardless of age or marital status, and eligible adoptive parents or parents-in-law. For parents-in-law, the employee must select the applicable parental category on the RGHS portal. Age, income, and dependency conditions apply.
What Medical Treatments and Facilities Does RGHS Cover?
01
Hospitalization and Day-Care
Covers surgeries, room rent, ICU charges, nursing care, and day-care procedures (require less than 24 hours of hospitalization).
02
OPD Consultations
Covers doctor and specialist consultations at government hospitals and approved private clinics.
03
Cashless Medicines
Covers prescribed OPD medicines at approved pharmacies and government-authorized medicine centers.
04
Diagnostic Tests
Covers blood tests, X-rays, CT scans, MRIs, and other tests at approved diagnostic centers.
05
Pre- and Post-Hospitalization
Covers eligible medical expenses for 7 days before admission and 30 days after discharge.
06
Coverage Limits
Coverage varies by beneficiary category. Eligible employees and pensioners of certain State Autonomous Bodies (SABs) may receive ₹5 lakh in annual family floater benefits, plus up to ₹5 lakh for qualifying catastrophic illnesses.
07
Emergency Care
Covers emergency treatment at approved referral hospitals, subject to authorization requirements.
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Sitting MLAs are covered under the 2021 Medical Facilities Rules. Ex-MLAs are covered under the 2010 Rules, as amended in 2026.
Serving and Retired AIS Officers
All India Services (Medical Attendance) Rules, 1954, and applicable retirement medical-benefit arrangements.
Serving State Government Employees
Rajasthan Civil Services (Medical Attendance) Rules, 2013, as amended.
State Pensioners and Family Pensioners
Rajasthan State Pensioners' Medical Concession Scheme, 2021, as amended in 2025.
Serving Employees of SABs
Eligible SAB employees receive benefits under applicable RGHS rules, including ₹5 lakh family floater coverage and an OPD limit of ₹20,000.
SAB Pensioners
Eligible pensioners may receive the same ₹5 lakh family floater and ₹20,000 OPD benefits, subject to category-specific eligibility and enrollment rules.
How to Register for RGHS and Access Cashless Treatment
Eligible beneficiaries can register for RGHS online and use their digital RGHS card to receive cashless treatment at approved hospitals. Here's how:
Check Jan Aadhaar Details: Make sure your personal and family details are correctly linked to your Jan Aadhaar.
Register Online: Visit the Rajasthan Single Sign-On (SSO) portal, log in, and select RGHS to complete your registration.
Download Your RGHS Card: Once your registration is verified, download your digital RGHS e-card from the portal or official mobile app.
Visit an Approved Hospital: Show your RGHS e-card or Jan Aadhaar card at the hospital's RGHS desk. The hospital will request approval for cashless treatment, where required.
Receive Cashless Treatment: Once approved, the scheme settles eligible medical expenses directly. Your treatment and claim details are also recorded digitally. Cashless treatment is available at RGHS-approved hospitals, subject to scheme rules and necessary approvals.
RGHS Contribution Amount and Payment Rules
RGHS contribution requirements depend on the beneficiary's employment or retirement category and the applicable scheme rules.
Monthly RGHS Contribution Amounts
Monthly Basic Pay (2017 Pay Matrix)
Monthly Contribution
Up to ₹18,000
₹265
Above ₹18,000 to ₹33,500
₹440
Above ₹33,500 to ₹54,000
₹658
Above ₹54,000
₹875
Note: Contributions are based on monthly basic pay, excluding allowances such as House Rent Allowance (HRA) and Dearness Allowance (DA).
Contribution Rules for Pensioners and Other Beneficiaries
Serving Government Employees: Prescribed contributions are recovered through monthly salary payments.
Pensioners: Contribution requirements depend on the applicable pensioner category and scheme rules. Certain retirees appointed on or after 1 January 2004 have monthly and one-time payment options under separate orders.
Employees of Government Bodies: Contributions depend on the rules adopted by their eligible boards, corporations, or autonomous bodies.
How to Pay the RGHS Contribution?
Government Employees: The State Insurance and Provident Fund (SIPF) or PayManager system automatically deducts monthly contributions from their salary.
Pensioners and Other Beneficiaries: Follow the payment instructions applicable to your RGHS registration category. Do not assume that contributions are automatically deducted from every pension or that a one-time payment option is available to all pensioners.
Employees of Autonomous Bodies or on Deputation: Beneficiaries whose contributions are not recovered through salary bills should follow the payment method prescribed for their category under the applicable RGHS rules.
Confirm your applicable contribution and payment method through the official RGHS portal or the relevant department before paying.
Rajasthan Government Health Scheme vs. Private Health Insurance
Parameter
RGHS
Private Health Insurance
Coverage Type
Standardized state health scheme for eligible beneficiaries.
Individual or family floater policies with coverage options.
Pre-Existing Diseases
RGHS coverage for pre-existing conditions depends on scheme rules and approved treatment packages. Retail health insurance waiting periods do not automatically apply to RGHS.
Waiting periods can be up to 3 years, depending on the policy.
Room Rent
Subject to applicable scheme rules and package limits.
Options include single private rooms, deluxe rooms, and plans with no room rent limit.
Hospital Network
RGHS-empaneled government and private hospitals.
Wide pan-India cashless networks, including major private hospital chains.
Customization
Benefits are defined by government rules.
Flexible sum insured, with optional critical illness, global treatment, and other add-ons.
Coverage Limits
Governed by scheme rules and applicable package rates.
Multiple sum insured options to match individual and family needs.
Terms and Control
Benefits and rules may change through government orders.
Contractual policy terms clarify coverage, exclusions, and benefits.
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Conclusion
RGHS provides valuable healthcare support to eligible government employees and pensioners. However, relying solely on a government scheme can have limitations. Changes in government policies, delays in hospital payments, and temporary suspensions of cashless services at private hospitals can affect access to care. RGHS also offers limited flexibility in coverage and policy features.
Consider supplementing RGHS with a personal health insurance policy to gain more control over your sum insured and coverage features. Compare policies based on room rent limits, co-payment requirements, hospital networks, and restoration benefits. You can also explore our guide to the best health insurance plans to find options that suit your family's needs.
Frequently Asked Questions
Is the Rajasthan Government Health Scheme enough for a state employee's family?
RGHS offers eligible families valuable healthcare benefits, including cashless hospitalization, prescribed medicines, and diagnostic services. However, coverage limits and entitlements vary by beneficiary category. Before deciding whether RGHS is sufficient, check the applicable medical rules, empaneled hospitals, treatment package rates, and your family's healthcare needs. A separate private health insurance policy provides additional coverage and greater flexibility.
Who is covered under RGHS in Rajasthan, apart from serving employees?
In addition to serving state government employees, RGHS covers serving Ministers, MLAs, ex-MLAs, serving and retired AIS officers from the Rajasthan cadre, state pensioners, and family pensioners. Employees and pensioners of eligible State Autonomous Bodies, Boards, and Public Sector Corporations that have adopted the scheme may also qualify. Eligible dependent spouses, unmarried children, and dependent parents can receive benefits, subject to scheme rules and Jan Aadhaar verification.
Where can I find the Rajasthan Government Health Scheme hospital list for Jaipur?
You can find the updated list of RGHS-empaneled hospitals, diagnostic centers, and approved medical stores in Jaipur through the official RGHS portal. Look for the section listing empaneled hospitals and diagnostic centers, then check the facility's name and location before visiting. Since hospital empanelment can change, verify that the facility is currently listed and confirm cashless service availability before planned treatment.
Are private hospitals in Rajasthan still giving cashless treatment under RGHS?
RGHS beneficiaries can access cashless treatment at empaneled private hospitals for eligible procedures, subject to scheme rules and required approvals. However, disputes over package rates, delayed claim settlements, or administrative issues may occasionally affect cashless acceptance. Before admission, check the hospital's current empanelment status on the official RGHS portal and confirm it accepts RGHS for your required treatment. For emergencies, seek immediate medical care.
How is RGHS different from Rajasthan's MAA Yojana for general residents?
RGHS covers eligible government employees, pensioners, elected representatives, and other approved beneficiaries. Mukhyamantri Ayushman Arogya (MAA) Yojana covers eligible resident families under government criteria. The schemes differ in eligibility, contributions, and coverage. Families covered under RGHS or the Central Government Health Scheme (CGHS) are not eligible for MAA Yojana benefits.
Can pensioners and their dependents continue under RGHS after retirement?
Yes, eligible retired state government employees and family pensioners can continue receiving RGHS benefits after retirement, subject to the scheme's eligibility and contribution rules. Eligible dependents may also remain covered. Depending on the applicable rules, contributions may be deducted from the monthly pension, or pensioners may choose to make a one-time contribution to continue coverage. Retirees should confirm their payment option and dependent details with the relevant department.
Can an RGHS beneficiary also hold a private health insurance policy and claim from both?
Yes, an RGHS beneficiary can hold a separate individual or family health insurance policy alongside RGHS. This can provide additional coverage if a hospital does not accept RGHS cashless treatment or if certain expenses are not covered. You cannot receive reimbursement twice for the same expense, but a private policy may cover an eligible unpaid balance, subject to RGHS rules and the policy's terms and conditions.
What Is the RGHS OPD coverage limit for pensioners?
Eligible pensioners covered under the Rajasthan Pensioners' Medical Concession Scheme have an annual OPD treatment limit of ₹50,000. This includes prescribed medicines and eligible diagnostic tests, with a ₹5,000 annual sub-limit for tests. Medicines required during hospitalization are covered separately and do not fall under this OPD limit. Pensioners may apply for an enhancement through the RGHS portal, subject to applicable rules and approval by the designated authority.
Which illnesses are covered under RGHS catastrophic illness benefits?
RGHS lists serious conditions such as cancer, Hodgkin's disease, heart attacks, coronary artery disease requiring surgery, kidney failure, stroke, multiple sclerosis, meningitis, acute respiratory distress, pancreatitis, and major organ transplants under its catastrophic illness provisions. Certain medical emergencies, including dengue, swine flu, and ruptured appendix, are also listed.
