In a significant step towards strengthening healthcare protection for government employees, the Department of Financial Services (DFS), Ministry of Finance, has launched Paripoorna Mediclaim Ayush Bima, an optional health insurance plan exclusively for Central Government Health Scheme (CGHS) beneficiaries.
Announced on 14 January 2026, the policy is designed to complement existing CGHS facilities by expanding medical coverage, offering cashless treatment, and improving access to a wider network of hospitals across India.
Enhancing Healthcare Beyond CGHS
While CGHS provides essential healthcare services, Paripoorna Mediclaim Ayush Bima adds an extra layer of financial protection by covering hospitalisation expenses through an indemnity-based insurance model. The policy allows beneficiaries to manage rising medical costs with greater flexibility and confidence, without replacing or duplicating CGHS benefits.
Eligibility and Sum Insured Options
The policy is exclusively available to CGHS beneficiaries, covering up to six members under a single policy. It offers two sum insured options:
₹10 lakh
₹20 lakh
Coverage is valid for in-patient hospitalisation within India. The policy includes a co-payment feature, allowing subscribers to choose between:
70:30 co-sharing, or
50:50 co-sharing
between the insurance company and the beneficiary, making premiums more affordable.
Key Policy Features
Paripoorna Mediclaim Ayush Bima includes several enhanced features aimed at comprehensive healthcare coverage:
Room rent limits capped at
1% of Sum Insured per day for normal rooms
2% of Sum Insured per day for ICU stays
Pre-hospitalisation expenses covered for 30 days
Post-hospitalisation expenses covered for 60 days
AYUSH treatments (Ayurveda, Yoga, Unani, Siddha and Homeopathy) covered up to 100% of the sum insured for in-patient hospitalisation
Modern treatment procedures covered up to 25% of the sum insured, with an optional rider to extend coverage up to 100%
Cumulative bonus of 10% for every claim-free year, up to a maximum of 100% of the sum insured
Affordable Premium Advantage
Compared to standard retail health insurance policies, Paripoorna Mediclaim Ayush Bima offers substantial cost benefits:
28% discount on premiums under the 70:30 co-payment option
42% discount under the 50:50 co-payment option
To further enhance affordability, the policy is offered without GST, making it a cost-effective health cover for CGHS beneficiaries.
Seamless Access and Availability
The policy will be offered as a retail health insurance product and will be available shortly through New India Assurance Company Limited, both at its offices and via its online platform. The plan provides cashless treatment facilities and access to a large hospital network, ensuring a smooth and hassle-free experience for policyholders.
Strengthening Financial Security for Government Employees
Paripoorna Mediclaim Ayush Bima reflects the Government’s continued focus on employee welfare and healthcare security. By offering enhanced coverage, flexible co-payment options, and broad hospital access, the policy delivers additional financial protection, greater choice, and peace of mind to CGHS beneficiaries.
Designed as a supplement to CGHS, this optional mediclaim policy enables government employees and pensioners to face medical contingencies with ease, confidence, and improved financial resilience.
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