Finance Ministry Launches ₹20 Lakh ‘Paripoorna Mediclaim Ayush Bima’ for CGHS Beneficiaries

The Finance Ministry launched Paripoorna Mediclaim Ayush Bima in January 2026. It is meant for CGHS beneficiaries. It offers ₹10–20 lakh hospitalisation cover. The policy is optional and retail-based. It includes flexible co-payment options. Premiums are discounted significantly.
New India Assurance provides the cover. Room rent limits are defined. Claim-free bonuses are available. It strengthens healthcare security for government employees.

Key Features and Benefits

• Coverage Options: Policyholders can choose a sum insured of either ₹10 Lakh or ₹20 Lakh.
• Target Audience: Exclusively for CGHS beneficiaries, including serving employees and pensioners.
• Family Coverage: Covers up to six members per policy.
• Cost-Sharing: Features a co-payment option of 70:30 or 50:50, allowing for lower premiums.
• Discounted Premiums: Compared to standard policies, this insurance offers a 28% discount for the 70:30 option and 42% for the 50:50 option.
• AYUSH Coverage: 100% of the sum insured is available for in-patient AYUSH treatments.
• Modern Treatment: Covered up to 25% of the sum insured, with options for 100% coverage.
• No-Claim Bonus: 10% for every claim-free year, up to 100% of the sum insured.
• Hospitalization Terms: Room rent is capped at 1% for normal rooms and 2% for ICU per day of the sum insured.