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Radiation Therapy · Cost, Insurance & Government Schemes

EHS, CGHS and ESI Coverage for Radiation Therapy — Eligibility, Referral and Centres in Telangana

Medically reviewed by Dr. Gangadhar Vajrala, Radiation Oncologist, MBBS · MD (Radiation Oncology) · MPH · Last reviewed August 2026

Yes — all three schemes list cancer treatment, including radiotherapy, for their own beneficiaries. EHS covers Telangana state employees, pensioners and journalists; CGHS covers central government employees and pensioners in Hyderabad; ESI covers insured workers under the wage ceiling. Each has its own referral route and its own empanelled hospital list, so your cover follows your scheme — not the hospital you walk into.

  • Who is eligible — the three schemes side by side, so you can find your own row in one look.
  • The referral process — who signs your referral or permission, and what has to happen before session one.
  • Which centres qualify — why empanelment is scheme-specific and specialty-specific, and how we check it for you.
  • A free scheme check — we confirm your route and the empanelled partner centre before you travel anywhere.
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The short answer

Do EHS, CGHS and ESI cover radiation therapy?

Yes. All three schemes list cancer treatment, including radiotherapy, for their own beneficiaries. EHS covers Telangana state government employees, pensioners and journalists. CGHS covers central government employees and pensioners. ESI covers insured workers under the wage ceiling. Each runs its own referral route and its own empanelled hospital list, so cover follows the scheme, not the hospital.

That last point is where most families lose money. A hospital that is on the CGHS list is not automatically on the EHS or ESIC list, and a referral written for one scheme does not travel to another. The paperwork has to match the scheme before the first session, because a retrospective claim is far harder to settle than a pre-authorised one.

Your radiotherapy itself is delivered at an NABH-accredited partner centre; CION Cancer Clinics coordinates your treatment plan, your oncology team and your scheme paperwork throughout. If your family is covered by EHS, CGHS or ESI, the most useful next step is a free scheme check — not a guess about whether “government cover” will pay for it.

Nothing on this page is a coverage guarantee. Eligibility, referral route and empanelment are verified case by case, and all figures are indicative only, as of August 2026.

Did you know?

Hyderabad is one of the cities covered by the Central Government Health Scheme, so central government pensioners who have settled in Telangana keep their CGHS entitlement locally rather than having to go back to their last posting for it. Many pensioners never realise this and pay privately for cancer care they were already entitled to claim.

Eligibility, side by side

Who is eligible under EHS, CGHS and ESI?

Three separate schemes, three separate rulebooks. Find your row first — everything else on this page follows from it.

SchemeWho it coversWhat you needHow radiotherapy is normally accessedWho authorises it
EHS
Employees Health Scheme (Telangana)
Serving Telangana state government employees, state service pensioners, working and retired journalists, and the dependants registered on the same card An active EHS health card with dependants correctly registered on it Cashless at a hospital empanelled under EHS, once the hospital raises a pre-authorisation for your case The empanelled hospital’s scheme desk, submitting to the state trust that administers EHS
CGHS
Central Government Health Scheme
Serving central government employees and central government pensioners, plus dependants, living in a CGHS-covered city — Hyderabad is one A valid CGHS card and beneficiary ID, linked to your Wellness Centre Referral from your CGHS Wellness Centre to a CGHS-empanelled hospital; billing follows CGHS-approved package rates The Wellness Centre medical officer for pensioners; your own department for most serving employees
ESI
Employees’ State Insurance
Insured persons in covered establishments earning at or below the ESIC monthly wage ceiling, plus their dependant family members An ESIC e-card and your IP (insured person) number Referred up the chain: ESIC dispensary → ESIC hospital → a tie-up super-speciality hospital that actually delivers radiotherapy The treating ESIC dispensary or ESIC hospital, which issues the referral letter
None of these Families outside all three routes — private-sector staff above the ESI ceiling, self-employed families, agricultural households Ration card or health card for a state scheme; policy documents for a private insurer A state assurance scheme, a private health policy, or a planned self-pay route with a written estimate Checked case by case at our scheme desk before you commit to anything

The ESIC wage ceiling is a statutory figure (around ₹21,000 a month for most employees, higher for employees with disability — indicative, as of August 2026) and is revised from time to time by ESIC. No package amount or approved rate is quoted anywhere on this page on purpose: those are set per procedure code by each scheme and change without notice. Ask the empanelled hospital’s scheme desk, or ours, for the current figure tied to your own diagnosis.

The referral process

What is the referral process for radiotherapy under these schemes?

The shape of the process is the same in all three. What changes is who signs the referral and which hospital list applies.

1

Confirm your scheme category and card status

Serving employee, pensioner, journalist, insured person or dependant — the category decides the route. Check that the card is active and that the patient is actually registered on it, because an unregistered dependant is the single most common reason a file stalls.

2

Get the diagnosis and the radiotherapy recommendation in writing

Every scheme authorises against a named procedure, not against the word cancer. Your treating team documents the diagnosis, the stage and the recommended technique, and that document is what the scheme reviews.

3

Obtain the referral or permission from the right authority

CGHS pensioners are referred through the Wellness Centre medical officer; serving central employees usually route permission through their department. ESI patients are referred from the dispensary to an ESIC hospital and onward. EHS cases are raised by the empanelled hospital’s scheme desk.

4

Confirm the delivering centre is empanelled under your scheme

Empanelment is specialty-specific and scheme-specific. Confirm the centre is currently listed for oncology or radiotherapy under your own scheme, not merely a well-known hospital or a network member for other departments.

5

Get the approval before the first session, not after

Pre-authorisation or permission is what makes the treatment chargeable to the scheme. Starting radiotherapy first and applying later turns a straightforward cashless case into a contested reimbursement claim.

6

Keep every original for the claim file

Referral letter, approval, prescription, daily treatment record, discharge summary and itemised bills. Whether your route is cashless or reimbursement, the same set of originals decides how smoothly the file closes.

If you are unsure which of these steps applies to you, book a free scheme check and our desk will map your own route before you travel to any centre.

Where treatment happens

Which centres can deliver radiotherapy under EHS, CGHS or ESI?

Short answer: only a centre currently empanelled or tied up under your specific scheme, and empanelled for oncology or radiotherapy rather than for general services.

  • Scheme-specific lists, not one master list — EHS, CGHS and ESIC each maintain their own empanelled or tie-up hospital list, and a hospital on one list is not automatically on the others.
  • Specialty-specific empanelment — a hospital can be empanelled for general or surgical care without carrying an oncology or radiotherapy package, so confirm the specific specialty before you book anything.
  • Lists change — empanelment is renewed and revised periodically, so a centre that qualified for a relative two years ago may not qualify today. Verify at the time of treatment, not from memory.
  • How this works at CION — CION Cancer Clinics does not own or operate a linear accelerator, CyberKnife, Gamma Knife or proton facility, and is not itself NABH-accredited. Your radiotherapy is delivered at an NABH-accredited partner centre; CION coordinates your treatment plan, your oncology team and your care throughout.
  • We check empanelment before you travel — our scheme desk confirms which partner centre is currently empanelled for your scheme and your procedure, so a long trip from a district town is not wasted on the wrong address.

Which Scheme Covers Your Radiotherapy?

Share your scheme and diagnosis and we will confirm your eligibility, your referral route and an empanelled partner centre — free and confidential.

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Medical Oncologist

Dr. Naresh Gundu

MBBS, DNB (Internal Medicine), DM (Medical Oncology)

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Dr. C. Raghavendra Reddy
Medical Oncologist

Dr. C. Raghavendra Reddy

MBBS(Gold Medal), DNB(General Medicine), DM(Medical Oncology)(Gold Medal)

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Dr. Bharati Devi Gorantla
Medical Oncologist

Dr. Bharati Devi Gorantla

MBBS, MD(General Medicine), DM(Medical Oncology)(Adyar,Chennai), ECMO, MRCP SCE(UK)

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Dr. Owais Mohammed
Medical Oncologist

Dr. Owais Mohammed

MBBS, MD (General Medicine), DrNB (Medical Oncology), ECMO, MRCP SCE (Medical Oncology) (UK)

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Dr. T. Raghavender Reddy
Medical Oncologist

Dr. T. Raghavender Reddy

MBBS, DM (Medical Oncology), MD (Radiation Oncology)

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Medical Oncologist

Dr. N. Kiranmayee

MBBS, DM (Medical Oncology), MD (Internal Medicine)

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Dr. Muralidhar Muddusetty
Surgical Oncologist

Dr. Muralidhar Muddusetty

MBBS (AIIMS), MS (Surgery) (AIIMS), DNB (Surgical Oncology), MRCS (Edinburgh)

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Dr. Raghavendra Naik
Surgical Oncologist

Dr. Raghavendra Naik

MBBS, MS (General Surgery), M.Ch (Surgical Oncology)

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Dr. Mohammed  Imaduddin
Surgical Oncologist

Dr. Mohammed Imaduddin

M.B.B.S, MS (General Surgery), M.Ch (Surgical Oncology)

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Dr. Vinay Mamidala
Surgical Oncologist

Dr. Vinay Mamidala

MBBS, MS(General Surgery), M.Ch(Surgical Oncology), FMAS, FARIS(Ongoing)

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Dr. Paila Gowri Naidu
Surgical Oncologist

Dr. Paila Gowri Naidu

MBBS, MS (General Surgery), M.Ch (Surgical Oncology), FMAS

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Dr. Venkata Sushma P
Radiation Oncologist

Dr. Venkata Sushma P

MBBS, MD (Radiation Oncology)

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Dr. Kirti Ranjan Mohanty
Radiation Oncologist

Dr. Kirti Ranjan Mohanty

MBBS, MD (Radiation Oncology)

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Dr. Gangadhar Vajrala
Radiation Oncologist

Dr. Gangadhar Vajrala

MBBS, MD (Radiation Oncology), MPH

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Dr. Basudev Pokhrel
Hematologist

Dr. Basudev Pokhrel

MBBS, M.D (Immunohematology & Blood Transfusion)

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Dr. Mohammed Imran
Interventional Radiologist

Dr. Mohammed Imran

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Dr. Vajja Sandeep Kumar
Surgical Oncologist

Dr. Vajja Sandeep Kumar

MBBS, MS (General Surgery), DrNB (Surgical Oncology), FALS Oncology

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Dr. Sridhar Kamani
Surgical Oncologist

Dr. Sridhar Kamani

MBBS, MS (General Surgery), DrNB (Surgical Oncology)

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Want a specific doctor for your case? Mention them when booking.

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Do not start treatment before the paperwork is right

A referral obtained before session one is a straightforward cashless case. The same treatment claimed afterwards is a much harder file. We will tell you exactly what your scheme needs.

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What decides your out-of-pocket amount

Why do two patients on the same scheme pay different amounts?

Four things account for most of the difference. Each one is checkable before treatment starts.

Cashless or reimbursement

The route is decided by your category

Credit or cashless facility is extended to some categories of beneficiary while others pay first and claim back through their department or employer. Confirm which applies to you before the first session — see Cashless vs Reimbursement for Radiation Treatment.

Approved rate vs technique

The rate is tied to a procedure code

Schemes settle against an approved package rate for a named procedure. A more conformal or more complex technique can sit above that rate, and the difference is the gap you would need to plan for.

What sits outside the package

Not everything is bundled

Some diagnostics, supportive care, dental or nutrition input, travel and accommodation are commonly outside the treatment package. These are real costs that surprise families midway — ask for the exclusion list in writing.

Validity and timing

Approvals have a window

A referral or sanction covers a defined treatment period. Care needed after that window, including some follow-up visits and repeat imaging, can need a fresh authorisation rather than riding on the original one.

If the scheme rate does not cover it

What if my recommended technique costs more than the approved rate?

This happens, and it is not automatically a dead end. Government schemes settle against approved package rates. When a tumour board recommends a technique that sits above the listed rate for your procedure code, the gap should be identified in writing before treatment starts — not discovered halfway through a five-week course.

From there the options are usually one of three. An appropriate covered alternative technique may achieve the clinical aim within the approved rate. A private policy or a second scheme can sometimes be stacked on top of the government route. Or the difference is arranged separately, with a clear itemised figure to plan around rather than a number that keeps moving. If a claim has already gone wrong, Why Insurance Claims for Radiation Get Rejected covers the most common causes and what can still be done.

Where the choice is between two delivery methods rather than two schemes, the cost logic is different again — Brachytherapy Cost Compared With External Beam Radiation sets out how the two compare, and why the cheaper-looking option is not always the cheaper course.

Mentioning a scheme name here is not a coverage guarantee for your case. Every file is verified individually before you are told what to expect, and all amounts discussed are indicative only, as of August 2026.

Before you visit the scheme desk

What documents should I keep ready?

Bringing these on the first visit is the single biggest thing that speeds up an approval, whichever of the three schemes you are on.

  • Your scheme card and ID number — the EHS health card, the CGHS card and beneficiary ID, or the ESIC e-card and IP number, with the patient shown as a registered beneficiary or dependant.
  • Service or employment proof — employee ID, pension payment order, or the employer’s ESI contribution details, depending on your route.
  • Diagnosis and referral paperwork — the report or referral letter from your first consultation, plus the biopsy result if it is already available.
  • Any prior scans and reports — even a partial imaging history lets the empanelled hospital build the pre-authorisation faster.
  • Identity proof for patient and attendant — Aadhaar or another accepted ID, for both the patient and the family member accompanying them.
  • A written list of questions — your recommended technique, the approved rate for it, what sits outside the package, and the validity window, so nothing is left vague at the desk.

A five-week course has costs beyond the treatment line itself — travel, an attendant’s lost wages, food and sometimes a room near the centre. How to Plan Financially for a 5-Week Radiation Course walks through budgeting for the whole course rather than just the bill.

Not Sure Which Scheme Route Applies to You?

Tell us your scheme and diagnosis, and our desk will map your referral route and confirm which partner centre is empanelled for you — free, confidential, no commitment to start treatment.

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A free scheme check confirms your eligibility, your referral route and the empanelled partner centre for your treatment — before you spend a rupee or travel a kilometre.

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Common questions

EHS, CGHS and ESI radiotherapy cover — your questions answered

Do EHS, CGHS and ESI cover radiation therapy?

Yes. All three schemes list cancer treatment, including radiotherapy, for their own beneficiaries. EHS covers Telangana state government employees, pensioners and journalists. CGHS covers central government employees and pensioners in CGHS cities such as Hyderabad. ESI covers insured workers under the wage ceiling and their dependants. Each scheme runs its own referral route and its own empanelled hospital list, so your cover follows your scheme, not the hospital you happen to walk into. Nothing here is a coverage guarantee for an individual case — eligibility, referral and empanelment are always verified case by case.

Who is eligible for EHS radiotherapy coverage in Telangana?

EHS — the Employees Health Scheme — is for serving Telangana state government employees, state service pensioners, working and retired journalists, and the dependants registered on the same health card. Eligibility is tied to an active EHS health card rather than to your department alone, so an unregistered spouse, parent or child is not automatically covered even when the employee is. Registration and dependant details are worth checking before treatment is planned, not after the first session has been delivered.

What is the referral process for CGHS radiotherapy?

For CGHS, specialised treatment at an empanelled private hospital normally needs a referral or permission first. Pensioners are usually referred through the medical officer at their CGHS Wellness Centre; serving employees usually route the permission through their own department. The referral names the treatment and the empanelled hospital, and billing then follows CGHS-approved package rates. Credit or cashless facility is extended to some categories while others pay and claim reimbursement, so confirm which applies to you before treatment starts.

How does an ESI patient get radiotherapy?

ESI referrals move up a chain. The insured person or dependant is seen at their ESIC dispensary, referred on to an ESIC hospital, and from there referred to a tie-up super-speciality hospital for radiotherapy, because most ESIC facilities do not deliver radiotherapy themselves. The referral letter is the document that makes the treatment chargeable to ESIC, so it should be obtained before the course begins rather than reconstructed afterwards.

Which centres can deliver radiotherapy under EHS, CGHS or ESI?

Only a centre empanelled or tied up under your specific scheme, and empanelled for oncology or radiotherapy rather than for general services. A hospital on the CGHS list is not automatically on the EHS or ESIC list, and empanelment is revised from time to time. CION Cancer Clinics does not own or operate a linear accelerator and is not itself NABH-accredited; your radiotherapy is delivered at an NABH-accredited partner centre while CION coordinates your treatment plan, your oncology team and your care throughout. Our scheme desk confirms which partner centre is currently empanelled for your scheme before you travel anywhere.

What if my recommended technique costs more than my scheme's approved rate?

This happens, and it is not automatically a dead end. Government schemes reimburse against approved package rates, and a more conformal or more complex technique can sit above the listed rate for your procedure code. Your care team should identify that gap in writing before treatment starts, then set out the options: an appropriate covered alternative, a private policy or a second scheme stacked on top, or a clearly itemised amount you arrange separately. All figures quoted are indicative only, as of August 2026.

All coverage, package-rate and cost information on this page is indicative only, as of August 2026, and describes how EHS, CGHS and ESI generally work for cancer care. Scheme rules, wage ceilings, approved rates and empanelled-hospital lists are set by the respective governments and are revised from time to time. Nothing here is a coverage guarantee for any individual case — always confirm your own eligibility, referral route and empanelment with the scheme desk before you commit to a treatment plan.

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