**Executive Summary**
The Department of Financial Services (DFS), Ministry of Finance, launched Paripoorna Mediclaim Ayush Bima, an optional health insurance plan for Central Government Health Scheme (CGHS) beneficiaries on January 14, 2026. This policy aims to complement existing CGHS facilities and enhance medical coverage for government employees. The plan will soon be available for purchase via New India Assurance Company Limited’s offices and online platform.
**Key Points / Main Content**
* **Eligibility and Coverage:**
* Exclusively for CGHS beneficiaries, with a maximum of six members per policy.
* Provides indemnity-based in-patient hospitalization coverage within India.
* Sum insured options of ₹10 Lakh or ₹20 Lakh.
* Co-payment options of 70:30 or 50:50 co-sharing between the insurance company and subscribers.
* **Key Features:**
* Room rent is capped at 1% and 2% of Sum Insured per day for Normal Room and ICU respectively.
* Pre-hospitalization coverage for 30 days and post-hospitalization coverage for 60 days.
* AYUSH treatments are covered up to 100% of the sum insured for in-patient hospitalization.
* Modern treatment is covered up to 25% of the sum insured, with an optional rider for 100% coverage.
* Cumulative bonus of 10% for every claim-free year, up to a maximum of 100% of the sum insured.
* Available at a discount of 28% and 42% for 70:30 and 50:50 premium co-sharing, respectively, compared to a regular policy.
* **Additional Information:**
* Available as a retail product for all CGHS beneficiaries.
* No GST to ensure maximum affordability.
**Impact Analysis**
**CGHS Beneficiaries**
*Impact:* Beneficiaries gain access to an optional, enhanced health insurance plan with wider coverage, cashless facilities, modern treatments, and a network of hospitals. This leads to greater financial security and access to quality healthcare services across India.
*Action Required:*
Beneficiaries should check the New India Assurance Company Limited’s offices and online platform to purchase the policy once available.
**New India Assurance Company Limited**
*Impact:*
The company will distribute and manage the new insurance product.
*Action Required:*
The company should make the new policy available in its offices and online, shortly.
Key Entities Referenced
CGHS: Central Government Health Scheme, the primary beneficiary group for the new health insurance plan.
Paripoorna Mediclaim Ayush Bima: The optional health insurance plan launched for CGHS beneficiaries.
Department of Financial Services (DFS): The department within the Ministry of Finance that launched the Paripoorna Mediclaim Ayush Bima.
Ministry of Finance: The government ministry overseeing the Department of Financial Services (DFS).
India: The geographic location where the indemnity-based in-patient hospitalization coverage is valid.
Ministry of Finance
Department of Financial Services launches
Paripoorna Mediclaim Ayush Bima for CGHS
beneficiaries
The Optional health insurance plan complements existing
CGHS facilities by expanding medical coverage for
government employees
प्रव तथ: 14 JAN 2026 7:26PM by PIB Delhi
The Paripoorna Mediclaim Ayush Bima has been launched by the Department of Financial Services
(DFS), Ministry of Finance today for CGHS beneficiaries. It offers cashless facilities, modern treatments
and access to a wide network of hospitals.Eligibility and Coverage: The policy is exclusively available to CGHS beneficiaries with a maximum of
six members per policy. It provides indemnity-based in-patient hospitalization coverage within India, with
sum insured options of ₹10 Lakh or ₹20 Lakh. Product will have Co-payment component allowing
beneficiaries to choose between 70:30 or 50:50 co-sharing between insurance company and the
subscribers.
Key Features:
Room rent is capped at 1% and 2% of Sum Insured per day for Normal Room and ICU respectively.
A pre-hospitalization coverage for 30 days and post-hospitalization coverage for 60 days is
available.
AYUSH treatments are covered up to 100% of the sum insured for in-patient hospitalization.
Modern treatment is covered up to 25% of the sum insured, with an optional rider for 100%
coverage.
Cumulative bonus of 10% for every claim-free year, up to a maximum of 100% of sum insured.
As compared to regular policy, it will be available at a discount of 28% and 42% for 70:30 and
50:50 premium co-sharing, respectively.
This optional health insurance plan will be available as a retail product for all CGHS beneficiaries, with
No GST to ensure maximum affordability. Designed to complement existing benefits, this enhanced policy
will provide seamless experience, with greater flexibility and expanded access to quality healthcare
services across India, thus leading to additional financial security with ease and confidence for all CGHS
beneficiaries.
It will be available for purchase via New India Assurance Company Limited’s offices and online platform,
shortly.
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