Paripoorna Mediclaim Ayush Bima

• 15 Jan 2026

On 14th January 2026, the Department of Financial Services, under the Ministry of Finance, launched Paripoorna Mediclaim Ayush Bima, an optional health insurance plan for beneficiaries of the Central Government Health Scheme (CGHS).

Key Points:

• Objective: To complement existing CGHS facilities by expanding medical coverage and offering enhanced financial protection to government employees and pensioners.
• Eligibility: Exclusively available to CGHS beneficiaries; up to six members can be covered under one policy.
• Coverage & Sum Insured: Indemnity-based in-patient hospitalisation coverage within India with sum insured options of ₹10 lakh or ₹20 lakh.
• Co-Payment Options: Beneficiaries can choose 70:30 or 50:50 cost-sharing between the insurer and the subscriber.
• Hospitalisation Benefits:
  • Room rent capped at 1% (normal room) and 2% (ICU) of sum insured per day.
  • Pre-hospitalisation: 30 days.
  • Post-hospitalisation: 60 days.
• AYUSH Coverage: AYUSH treatments covered up to 100% of the sum insured for in-patient hospitalisation.
• Modern Treatments: Covered up to 25% of the sum insured, with an optional rider extending coverage to 100%.
• Cumulative Bonus: 10% increase in sum insured for every claim-free year, up to a maximum of 100%.
• Premium Advantage: Offered at a 28% (70:30) and 42% (50:50) discount compared to regular policies; no GST applicable to ensure affordability.