**Executive Summary**
The Department of Financial Services (DFS), Ministry of Finance, has launched the 'Paripoorna Mediclaim Ayush Bima' on January 14, 2026, for CGHS beneficiaries. The policy offers hospitalization coverage between ₹10-20 lakh with flexible co-payment options and cashless treatment across extensive hospital networks. Facilitation camps are being organized across different Ministries/Departments of Government of India to promote the policy.
**Key Points / Main Content**
* **Policy Overview:**
* The 'Paripoorna Mediclaim Ayush Bima' is available exclusively to CGHS beneficiaries.
* Maximum of six members are allowed per policy.
* The policy provides indemnity-based in-patient hospitalization coverage within India.
* **Coverage and Co-payment:**
* Sum insured options are ₹10 Lakh or ₹20 Lakh.
* Beneficiaries can choose between 70:30 or 50:50 co-sharing ratios.
* **Network and Access:**
* Cashless hospitalization is available through approximately 20,800 Third Party Administrator network hospitals and approximately 5050 insurer network hospitals.
* Policy details are available on the NIACL website.
* **Additional Features:**
* The policy is available as a retail product.
* No GST is applied to ensure maximum affordability.
* It complements existing benefits, providing seamless experience, flexibility, and access to quality healthcare.
**Impact Analysis**
**CGHS Beneficiaries**
* **Impact:** Access to enhanced and affordable health insurance with flexible co-payment options, broader network coverage, and cashless facilities. Offers greater financial security and ease in accessing healthcare.
* **Action Required:** Evaluate the policy details and consider enrolling to complement existing CGHS benefits. Visit the NIACL website for further information and enrollment procedures.
Key Entities Referenced
Central Government Health Scheme (CGHS): A health scheme for central government employees and pensioners, the beneficiaries of the 'Paripoorna Mediclaim Ayush Bima' policy.
Paripoorna Mediclaim Ayush Bima: A health insurance policy designed for CGHS beneficiaries, offering hospitalization cover with co-payment options and cashless treatment across hospitals.
New India Assurance Company Limited: The insurance company that launched the 'Paripoorna Mediclaim Ayush Bima' policy for CGHS beneficiaries.
Department of Financial Services (DFS): The department under the Ministry of Finance, involved in the inauguration of facilitation camps related to the 'Paripoorna Mediclaim Ayush Bima' policy.
Ministry of Finance: The ministry overseeing the Department of Financial Services and the launch of the 'Paripoorna Mediclaim Ayush Bima' policy.
Ministry of Finance
Secretary, DFS inaugurates facilitation camps to
promote ‘Paripoorna Mediclaim Ayush Bima’ for
CGHS beneficiaries
Policy offers ₹10–20 lakh hospitalization cover with flexible
co-payment choices and cashless treatment across
extensive hospital networks
Posted On: 17 FEB 2026 5:06PM by PIB Delhi
Sh. M. Nagaraju, Secretary, Department of Financial Services (DFS), Ministry of Finance, inaugurated
facilitation camps organized by the New India Assurance Company Limited at the premises of DFS in
New Delhi today. The facilitation camps are being organized across different Ministries/Departments of
Government of India.
The Paripoorna Mediclaim Ayush Bima has been launched by the New India Assurance Company Limited
on 14.01.2026 for CGHS beneficiaries. It offers cashless facilities, modern treatments and access to a wide
network of hospitals.The health insurance product 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. The product provides cashless hospitalization through ~20,800 Third Party Administrator
network hospitals and ~5050 insurer network hospitals. Other detailed policy features can be seen from
NIACL’s official website by using the URL https://www.newindia.co.in/health-insurance/paripoorna-ayus
h-bima
This optional health insurance plan is 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.
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