Pensioners Residing in CGHS covered areas: They can get themselves registered in CGHS dispensary after making requisite contribution and can avail both OPD and IPD facilities. Such Pensioners are not eligible for Fixed Medical Allowance in lieu of CGHS. Pensioners residing in non-CGHS areas have the following option - They can opt for availing Fixed Medical Allowance (FMA) @ Rs. 1000/- per month. They can also avail benefits of CGHS (OPD and IPD) by registering themselves in the nearest CGHS city after making the required subscription. In such cases no Fixed Medical Allowance is given They also have the option to availing FMA for OPD treatment and CGHS only for IPD treatments after making the required subscriptions as per CGHS guidelines.