Department of Financial Services (DFS), Ministry of Finance has launched Paripoorna Mediclaim Ayush Bima for Central Government Health Scheme (CGHS) beneficiaries to enhance their financial well-being and social security. It is being implemented by the New India Assurance Company Limited for CGHS beneficiaries.
Key Features of Paripoorna Mediclaim Ayush Bima
| Aspect | Details |
| Objective | Complement CGHS benefits with expanded, flexible and seamless healthcare access |
| Launched by | New India Assurance Company Limited |
| Target Beneficiaries | Exclusively for CGHS beneficiaries |
| Policy Type | Optional retail health insurance product (No GST) |
| Maximum Members per Policy | Up to 6 members |
| Coverage Type | Indemnity-based in-patient hospitalization within India |
| Sum Insured Options | ₹10 lakh or ₹20 lakh |
| Co-payment Options | 70:30 or 50:50 (insurance company : subscriber) |
| Premium Discount | 28% discount (70:30 option); 42% discount (50:50 option) |
| Cashless Facility | Available through ~20,800 TPA network hospitals and ~5,050 insurer network hospitals |
| Room Rent Cap | 1% (Normal Room) and 2% (ICU) of Sum Insured per day |
| Pre & Post Hospitalization | 30 days (pre) and 60 days (post) coverage |
| AYUSH Coverage | Up to 100% of sum insured (in-patient hospitalization) |
| Modern Treatment Coverage | Up to 25% of sum insured (optional rider for 100%) |
| Cumulative Bonus | 10% for every claim-free year (up to 100% of sum insured) |