Central Government Employees Group Insurance Scheme (CGEGIS): Ministry of Finance

Central Government Employees Group Insurance Scheme (CGEGIS) came into force from 1st January,1982. The scheme provides for two fold benefit, viz., (1) insurance cover to help their families and (2) lump sum payment to augment their resources on retirement.

Details of Central Government Employees Group Insurance Scheme (CGEGIS)
Particulars Description
Name of the Scheme Central Government Employees Group Insurance Scheme (CGEGIS)
Sponsored by Central Government
Funding Pattern The scheme has two funds namely (1) Insurance Fund and (2) Savings Fund. A portion of the subscription is credited to Insurance Fund and the other portion to the Savings Fund in the ratio of 3:7. The Savings Fund will earn interest at the prescribed rate to be compounded quarterly.
Ministry/Department Department of Expenditure
Description Central Government Employees Group Insurance Scheme (CGEGIS) came into force from 1st January,1982. The scheme provides for two fold benefit, viz., (1) insurance cover to help their families and (2) lump sum payment to augment their resources on retirement.
Beneficiaries Individual,Family,
Benefits
Benefit Type Material,
Eligibility criteria All the employees who had entered Central Government Service after 1st November,1980 will be compulsorily covered under the scheme from the date it came into force, i.e. from 1st January,1982.
How to Avail The employees will be enrolled as members of the scheme only from 1st January every year. If an employee enters service on or after 2nd January in any year, he will be enrolled as a member only from 1st January of the next year.
Validity of the Scheme
Introduced On 01 / 01 / 1982
Valid Upto 12 / 11 / 2011
Reference URL http://www.cga.nic.in/html/book6/chapter%205.htm (External website that opens in a new window)

CENTRAL GOVERNMENT EMPLOYEES’ GROUP INSURANCE SCHEME, 1980.

5.1    The Scheme, Central Government Employees’ Group Insurance Scheme (CGEGIS)
came into force from 1st January,1982. This scheme provides for the Central
Govt. employees the two fold benefit viz. (1) insurance cover to help their
families and (2) lump sum payment to augment their resources on retirement.

5.2    The scheme has two funds namely (1) Insurance Fund and (2) Savings Fund.
A portion of the subscription is credited to Insurance Fund and the other
portion to the Savings Fund in the ratio of 3:7. The Savings Fund will earn
interest at the prescribed rate to be compounded quarterly.

5.3    All these
employees’ who had entered Central Government Service after 1st November,1980
will be compulsorily covered under the scheme from the date it came into force
i.e. from 1st January,1982. The employees will be enrolled as members of the
scheme only from 1st January every year. If an employee enters service on or
after 2nd January in any year, he will be enrolled as a member only from 1st
January of the next year. However, he will be entitled to insurance cover from
the actual date of entry of service till the end of that calender year by paying
monthly subscription of Rs. 5/- p.m. as premium for every Rs. 15,000/ – of the
insurance cover.

Similarly, on regular promotion of a member of a lower Group to
a higher Group after 1st January in a year, his subscription will be raised from
the 1st January of the next year.

Note :-    If an employee once admitted to a higher Group is subsequently
reverted to the lower Group for one reason or the other, he will continue to
subscribe at the same rate as that of higher Group.

5.4    Contract employees, persons on deputation from State Government Public
Sector Undertakings, or other autonomous organisations locally recruited staff
in the Missions abroad, casual labourer, part-time and ad-hoc employees will not
be covered by the scheme. It will also not apply to persons recruited in the
Central Government after attaining the age of 50 years.

5.5    Re-employed Defence personnel availing of the extended insurance cover
under the Group Insurance Scheme applicable to the members of Armed Forces shall
not be eligible to become members of this Scheme until expiry of the extended
insurance cover.

5.6    Subscription at the appropriate rate should be recovered by the DDO from
each member every month irrespective of whether the member is on duty, leave or
under suspension. In the case of absence on Extra Ordinary leave, subscription
due should be recovered in arrears in not more than 3 instalments after the
member rejoins duty, alongwith appropriate interest thereon. In the event of
death of a member during Extra-ordinary leave, the DDO should recover arrears in
subscription alongwith interest, from the payment to the nominee admissible
under the scheme.

Note:-    Subscription is payable till the end of service including the month in
which an employee retires, dies or is removed from service. If an employee dies
during a month before recovery of subscription for that month, his dues will be
paid after deducting the subscription.

5.7    In the case of members proceeding on foreign service, the recovery of
subscription would be watched by the PAO concerned in the same manner as
recovery of leave salary and pension contributions is watched.

5.8    The Head of Office should obtain Nomination(s) in Form 7 or Form 8, as
the case may be, from all members without delay, and after counter signature,
have them pasted in their service books.

5.9    The Head of Office should ensure that Group-wise register of members is
maintained in Form 9 and kept up-to-date. This register shall be sent to the DDO
concerned once a year to verify whether appropriate subscription are being
recovered from all employees who have joined the Insurance Fund or both the
Insurance Fund and the Savings Fund under the Scheme and to record a certificate
to this effect.

8 comments for “Central Government Employees Group Insurance Scheme (CGEGIS): Ministry of Finance

  1. Preeti kumari
    June 30, 2017 at 10:50 am

    I am a central gov employee from April 2012 .my grade pay is 4200 but my previous office deduct cgeis subscription 30 rs by mistake and after 2016 my current office deduct 60 rs how can I recover my previous deduction

  2. Debomita Roy
    May 5, 2017 at 9:15 am

    Sir, did you have to provide your pan card no. and Adhaar card no. For getting d due amount of group insurance from CGEGIS.

  3. Karunakar Das
    January 14, 2017 at 9:22 am

    Respected Sir,
    I am a retired DET from BSNL at cuttack,Odisha.I have been informed from your a/c section regarding unpaid CGIS vide file No.
    ALT42920.CGI.I shall be happy if you can send to my pension bank account and inform me the fund status by mail.

    • RAM PRAVESH MANDAL
      May 25, 2017 at 8:40 am

      I have also been informed from the a/c section regarding unpaid CGIS vide the same file No. – ALT42920.CGI of my father who retired in the year 1992. How it can be possible that two persons have the same file number ? Is this genuine or fraud.

  4. mayank bisht
    January 3, 2017 at 5:26 am

    kindly reply the two question regarding cgegis
    1. if an employee from PSU or state government come into deputation to central government and
    2. if any central government employee is on deputation on higher group to which he belong

    do cgegis scheme is applicable to point 1 and for point 2, do we enhance the rate of subscription according to group.

    kindly reply

  5. RAVI PANDITA
    April 19, 2016 at 11:03 am

    Kindly help me to calculate the cgegis amount of central govt employee with example who retired on superannuation on 29.02.2016. His contribution is as under
    wef 1/1982 to 12/1989=Rs.20
    wef 1/1990 to 12/2009=Rs.30
    wef 1/2010 to 2/2016 =Rs.60

  6. akbar ali
    June 29, 2015 at 7:24 am

    I have come to my notice that the CGIS has been closed. If it is true than what happen the contribution made earlier by the central govt. employees.

  7. mahes saha
    June 13, 2014 at 6:34 am

    whether a person recruited as trainee in pay Rs.4440/- (without grade pay for non-fulfillment of minimum qualification), will get GIS benefit ? whether recovery under GIS should be made from the salary he/she gets ?

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