The Paripoorna Mediclaim Ayush Bima has been launched by the Department of Financial Services (DFS) under the Ministry of Finance, bringing a major healthcare boost for Central Government Health Scheme (CGHS) beneficiaries.
This new health insurance plan focuses on cashless treatment, modern medical procedures, and AYUSH therapies, while giving beneficiaries access to a wide network of hospitals across India.
Who can apply and what does it cover?
The policy is exclusively for CGHS beneficiaries, allowing coverage for up to six family members under one policy. It offers in-patient hospitalization coverage within India with two sum insured options — ₹10 lakh or ₹20 lakh.
Beneficiaries can choose a co-payment model:
- 70:30 or
- 50:50,
where the insurance company and the subscriber share treatment costs accordingly. This choice helps reduce premium costs.
Key benefits you should know
- Room rent limit:
- Normal room: up to 1% of sum insured per day
- ICU: up to 2% of sum insured per day
- Pre-hospitalization cover: 30 days
- Post-hospitalization cover: 60 days
- AYUSH treatments: Covered up to 100% of the sum insured for in-patient care
- Modern treatments: Covered up to 25% of the sum insured, with an optional rider for full (100%) coverage
- Cumulative bonus:
- 10% increase in sum insured for every claim-free year
- Up to a maximum of 100%
- Lower premium:
- 28% discount under the 70:30 model
- 42% discount under the 50:50 model, compared to regular policies
- No GST, making it more affordable
Why this policy matters
Paripoorna Mediclaim Ayush Bima is designed to complement existing CGHS benefits, not replace them. It offers more flexibility, better coverage, and wider hospital access, helping beneficiaries manage healthcare expenses with greater confidence and peace of mind.
Where to buy
The policy will be available shortly through New India Assurance Company Limited, both at its offices and via its online platform.
For CGHS beneficiaries looking for extra financial protection and wider treatment options, this new mediclaim plan could be a valuable addition.
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