Paripoorna Mediclaim Ayush Bima: Cover for CGHS Beneficiaries
Why in the news
The Department of Financial Services (DFS), Ministry of Finance, introduced a health insurance policy for CGHS beneficiaries that works alongside the scheme, with cashless care and a wide hospital network.
Key facts
- Launched: January 2026 by DFS.
- For: Central Government Health Scheme (CGHS) beneficiaries.
- Covers: modern treatment and AYUSH therapies, cashless, across a nationwide network.
Policy features
| Feature | Detail |
|---|---|
| Members per policy | Up to 6 |
| Sum insured | ₹10 lakh or ₹20 lakh |
| Co-payment 70:30 (insurer:subscriber) | 28% discount |
| Co-payment 50:50 | 42% discount |
| AYUSH cover | 100% of sum insured |
| Modern treatment cover | 25% to 100% of sum insured |
| Room rent limit | 1% normal, 2% ICU |
| Hospitalisation window | 30 days before and 60 days after |
Exam angle
- Launching body: DFS, Ministry of Finance.
- Target group: CGHS beneficiaries.
- Deeper discount (42%) comes with the 50:50 option.