{"id":175104,"date":"2026-01-23T19:56:22","date_gmt":"2026-01-23T14:26:22","guid":{"rendered":"https:\/\/www.gkseries.com\/blog\/?p=175104"},"modified":"2026-01-23T19:56:23","modified_gmt":"2026-01-23T14:26:23","slug":"finance-ministry-launches-%e2%82%b920-lakh-paripoorna-mediclaim-ayush-bima-for-cghs-beneficiaries","status":"publish","type":"post","link":"https:\/\/www.gkseries.com\/blog\/finance-ministry-launches-%e2%82%b920-lakh-paripoorna-mediclaim-ayush-bima-for-cghs-beneficiaries\/","title":{"rendered":"Finance Ministry Launches \u20b920 Lakh \u2018Paripoorna Mediclaim Ayush Bima\u2019 for CGHS Beneficiaries"},"content":{"rendered":"\n<p>The Finance Ministry launched Paripoorna Mediclaim Ayush Bima in January 2026. It is meant for CGHS beneficiaries. It offers \u20b910\u201320 lakh hospitalisation cover. The policy is optional and retail-based. It includes flexible co-payment options. Premiums are discounted significantly.<br>New India Assurance provides the cover. Room rent limits are defined. Claim-free bonuses are available. It strengthens healthcare security for government employees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key Features and Benefits<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Coverage Options:\u00a0Policyholders can choose a sum insured of either \u20b910 Lakh or \u20b920 Lakh.<\/li>\n\n\n\n<li>Target Audience:\u00a0Exclusively for CGHS beneficiaries, including serving employees and pensioners.<\/li>\n\n\n\n<li>Family Coverage:\u00a0Covers up to six members per policy.<\/li>\n\n\n\n<li>Cost-Sharing:\u00a0Features a co-payment option of 70:30 or 50:50, allowing for lower premiums.<\/li>\n\n\n\n<li>Discounted Premiums:\u00a0Compared to standard policies, this insurance offers a 28% discount for the 70:30 option and 42% for the 50:50 option.<\/li>\n\n\n\n<li>AYUSH Coverage:\u00a0100% of the sum insured is available for in-patient AYUSH treatments.<\/li>\n\n\n\n<li>Modern Treatment:\u00a0Covered up to 25% of the sum insured, with options for 100% coverage.<\/li>\n\n\n\n<li>No-Claim Bonus:\u00a010% for every claim-free year, up to 100% of the sum insured.<\/li>\n\n\n\n<li>Hospitalization Terms:\u00a0Room rent is capped at 1% for normal rooms and 2% for ICU per day of the sum insured.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Finance Ministry launched Paripoorna Mediclaim Ayush Bima in January 2026. It is meant for CGHS beneficiaries. It offers \u20b910\u201320 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 [&hellip;]<\/p>\n","protected":false},"author":419,"featured_media":175105,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5399],"tags":[107],"offerexpiration":[],"class_list":["post-175104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-affairs-january-2026","tag-finance-current-affairs"],"_links":{"self":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts\/175104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/users\/419"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/comments?post=175104"}],"version-history":[{"count":1,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts\/175104\/revisions"}],"predecessor-version":[{"id":175106,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts\/175104\/revisions\/175106"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/media\/175105"}],"wp:attachment":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/media?parent=175104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/categories?post=175104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/tags?post=175104"},{"taxonomy":"offerexpiration","embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/offerexpiration?post=175104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}