PARIPOORNA MEDICLAIM AYUSH BIMA
(New ₹20 Lakh Top-Up for CGHS)
(Launched today by Ministry of Finance)
⚡ Quick Answer: What is this new scheme?
“Paripoorna Mediclaim Ayush Bima” is a new optional health insurance plan launched today (Jan 14, 2026) specifically for CGHS beneficiaries. It offers an additional cover of ₹10 Lakh or ₹20 Lakh to pay for costs that CGHS might not fully reimburse (like private room rent or modern treatments).
✅ Key Benefit: It covers AYUSH Treatments (Ayurveda, Yoga, etc.) up to 100% of the Sum Insured, which was a major limitation in older plans.
Financial Note: This policy has No GST, making it cheaper than market policies. However, the premium you pay will depend on the “Co-Payment” option you choose (70:30 or 50:50).
📢 Share this Breaking News:
While CGHS is excellent, it has limits (Package Rates). If you go to a high-end private hospital, you often pay lakhs from your pocket. To fix this, the Department of Financial Services has launched Paripoorna Mediclaim via New India Assurance Company.
1. Scheme at a Glance
The policy is designed to “complement” CGHS, meaning it works alongside your existing card.
| Feature | Details |
|---|---|
| Sum Insured | Option A: ₹10 Lakh Option B: ₹20 Lakh |
| Members Covered | Maximum 6 family members (must be CGHS beneficiaries). |
| Room Rent Limit | Normal: 1% of Sum Insured/day. ICU: 2% of Sum Insured/day. |
2. The Co-Payment Options (Read Carefully)
This is unique. You can choose how much of the bill YOU want to share, and get a discount on premium accordingly.
Option 1: 70:30 Model
Insurance Pays: 70% of Bill.
You Pay: 30% of Bill.
Premium Discount: You get 28% OFF on policy premium.
Option 2: 50:50 Model
Insurance Pays: 50% of Bill.
You Pay: 50% of Bill.
Premium Discount: You get 42% OFF on policy premium.
*Expert Tip: While Option 2 (50:50) is cheaper to buy, it is risky because you have to pay half the hospital bill yourself. Option 1 is safer.
3. AYUSH & Modern Treatment
🌿 AYUSH Coverage: Unlike standard policies that limit Ayurveda/Homeopathy, this plan covers AYUSH hospitalization up to 100% of the Sum Insured.
🤖 Modern Treatment: Robotic surgeries and advanced procedures are covered up to 25% of Sum Insured (Optional rider available for 100%).
❓ Common Questions
How to buy this policy?
It will be available shortly on the New India Assurance (NIA) website and offices. It is a retail product available for individual purchase.
Is GST applicable on premium?
No. The government has waived GST on this specific product to make it affordable for beneficiaries.
🇮🇳 हिंदी में सारांश (Summary in Hindi)
नई स्कीम: परिपूर्ण मेडिक्लेम आयुष बीमा
वित्त मंत्रालय ने आज (14 जनवरी 2026) CGHS लाभार्थियों के लिए एक नई बीमा योजना शुरू की है। इसमें आपको 10 लाख या 20 लाख रुपये का एक्स्ट्रा कवर मिलेगा, जो CGHS के अलावा काम करेगा।
- 💰 छूट (Discount): इसमें आपको प्रीमियम पर छूट मिलेगी। अगर आप बिल का 30% खुद देने को तैयार हैं (Co-Pay), तो प्रीमियम 28% सस्ता मिलेगा।
- 🌿 आयुष इलाज: आयुर्वेद और होम्योपैथी का इलाज अब 100% कवर होगा (अस्पताल में भर्ती होने पर)।
- 🚫 No GST: इस पॉलिसी को खरीदने पर कोई GST नहीं लगेगा। यह जल्द ही New India Assurance से खरीदी जा सकेगी।
नोट: यह योजना अनिवार्य नहीं है (Optional)। अगर आप एक्स्ट्रा सुरक्षा चाहते हैं, तभी इसे खरीदें।
