The Department of Financial Services (DFS), under the Ministry of Finance, has recently launched "Paripoorna Mediclaim Ayush Bima," a new health insurance scheme designed exclusively for beneficiaries of the Central Government Health Scheme (CGHS). Launched on January 14, 2026, this optional policy aims to supplement the existing CGHS benefits by providing enhanced financial protection, broader hospital coverage, and inclusion of AYUSH and modern treatments.

Coverage and Benefits

Paripoorna Mediclaim Ayush Bima offers indemnity-based in-patient hospitalization coverage across India. Key features of the policy include:

• Sum Insured Options: Beneficiaries can choose between a sum insured of ₹10 lakh or ₹20 lakh.
• Cashless Treatment: The policy provides cashless treatment facilities at a wide network of empanelled hospitals across India.
• AYUSH Treatment Coverage: AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) are covered up to 100% of the sum insured for in-patient hospitalization.
• Modern Treatment Coverage: Modern medical treatments are covered up to 25% of the sum insured, with an optional rider to increase the coverage to 100%.
• Pre and Post-Hospitalization Coverage: The policy covers medical expenses incurred 30 days before hospitalization and 60 days post-discharge.
• Room Rent Limits: Room rent is capped at 1% of the sum insured per day for normal rooms and 2% for ICU stays.
• Cumulative Bonus: A cumulative bonus of 10% is offered for every claim-free year, up to a maximum of 100% of the sum insured.

Eligibility

The Paripoorna Mediclaim Ayush Bima is exclusively available to CGHS beneficiaries. Each policy can cover a maximum of six family members, making it suitable for both serving employees and pensioners.

Premium and Cost Advantages

The policy offers co-payment options of 70:30 or 50:50 between the insurer and the beneficiary. Choosing a co-payment option results in discounted premiums: a 28% discount for the 70:30 option and a 42% discount for the 50:50 option, compared to standard health insurance products. Furthermore, the policy is exempt from Goods and Services Tax (GST), making it more affordable.

How to Purchase

The Paripoorna Mediclaim Ayush Bima will soon be available for purchase through New India Assurance Company Limited's offices and online platform. This accessibility ensures that CGHS beneficiaries can easily avail themselves of this additional health insurance coverage.

Significance

The launch of Paripoorna Mediclaim Ayush Bima represents a significant step towards strengthening healthcare protection for Central Government employees and pensioners. By supplementing the existing CGHS benefits, this scheme offers greater flexibility, expanded access to quality healthcare services across India, and enhanced financial security.