Paripoorna Mediclaim Ayush Bima Launched: New Optional Health Insurance Plan Exclusively for CGHS Beneficiaries
New Health Insurance Plan for CGHS Beneficiaries – Paripoorna Mediclaim Ayush Bima: The Department of Financial Services (DFS), Ministry of Finance, has launched the
Paripoorna Mediclaim Ayush Bima for all CGHS beneficiaries. The initiative, announced on
14 January 2026, offers expanded medical coverage, cashless treatment facilities, and access
to a wide network of hospitals across India.
👥 Eligibility & Policy Coverage
The policy is designed exclusively for CGHS beneficiaries and covers a maximum of six members per policy. It provides:
- Indemnity-based in-patient hospitalization coverage across India
- Sum insured options of ₹10 Lakh or ₹20 Lakh
- Choice of co-payment structure: 70:30 or 50:50
This plan complements CGHS benefits, making healthcare more comprehensive and accessible for government employees.
⭐ Key Features of Paripoorna Mediclaim Ayush Bima
- Room rent capped at 1% of Sum Insured per day (Normal Room) and 2% for ICU
- 30 days pre-hospitalization and 60 days post-hospitalization coverage
- 100% AYUSH coverage for in-patient treatment
- Modern treatment covered up to 25% of Sum Insured (optional rider available for 100%)
- 10% cumulative bonus per claim-free year, up to 100% of Sum Insured
- Discounted premiums: 28% discount (70:30) and 42% discount (50:50)
- No GST—ensuring maximum affordability
Designed as an optional add-on to existing CGHS benefits, this policy offers enhanced healthcare security, flexibility, and cashless access nationwide.
🏥 Availability
The Paripoorna Mediclaim Ayush Bima policy will soon be available for purchase through New India Assurance Company Limited offices and its online platform.