Provided by state-run New India Assurance, the scheme contains room lease caps, cumulative bonuses for claim-free years, and pre- and post-hospitalisation protection.
The finance ministry on Wednesday launched the Paripoorna Mediclaim Ayush Bima for beneficiaries of the Central Authorities Well being Scheme (CGHS).
Non-compulsory retail coverage for beneficiaries
This elective medical insurance plan shall be accessible as a retail product for all CGHS beneficiaries, the finance ministry stated in a press release.
The coverage gives indemnity-based in-patient hospitalisation protection inside India, with sum insured choices of Rs 10 lakh or Rs 20 lakh.
Protection options and co-payment choices
“Designed to enhance current advantages, the improved coverage will present a seamless expertise, with better flexibility and expanded entry to high quality healthcare companies throughout India, thus resulting in further monetary safety with ease and confidence for all CGHS beneficiaries,” the assertion stated.
The product could have a co-payment element permitting beneficiaries to decide on between 70:30 or 50:50 co-sharing between the insurance coverage firm and the subscribers, the finance ministry stated, including that as in comparison with a daily coverage, it will likely be accessible at a reduction of 28 per cent and 42 per cent for 70:30 and 50:50 premium co-sharing, respectively.
Insurer and extra advantages
To be supplied by state-run New India Assurance, the opposite options embody that the room lease is capped at 1 per cent and a pair of per cent of the sum insured per day for a standard room and ICU, respectively.
A cumulative bonus of 10 per cent for each claim-free 12 months, as much as a most of 100 per cent of the sum insured, and pre-hospitalisation protection for 30 days and post-hospitalisation protection for 60 days can be found, the assertion famous.
Linked wage account initiative
The Division of Monetary Companies additionally launched a Composite Wage Account Bundle for central authorities staff in affiliation with public sector banks, or PSBs. The unified wage account framework gives a one-stop monetary answer with built-in banking and insurance coverage advantages for central authorities staff, it famous in a press release.
This initiative ensures that Central Authorities staff, who kind the spine of public administration, acquire entry to fashionable banking companies and complete monetary safety by means of a single-window answer, it added.
Revealed on January 14, 2026
