Health expenses are rising every year, and even government employees often feel the need for extra medical protection beyond regular facilities. To address this need, the Government of India has introduced a new optional health insurance scheme for CGHS beneficiaries. The scheme is called Paripoorna Mediclaim Ayush Bima and aims to provide wider medical coverage at an affordable cost.
This policy works as a support system alongside CGHS and gives families access to better healthcare options across India.
What is Paripoorna Mediclaim Ayush Bima?
Paripoorna Mediclaim Ayush Bima is a voluntary health insurance policy designed exclusively for beneficiaries of the Central Government Health Scheme (CGHS). It offers financial protection against hospitalization expenses and covers both modern and traditional forms of treatment.
Who Can Avail This Policy?
- Only CGHS beneficiaries are eligible
- A single policy can cover up to six family members
- The policy is optional and can be taken as additional coverage
Coverage Options Available
Policyholders can choose between two sum insured options:
- ₹10 lakh
- ₹20 lakh
The scheme operates on a co-payment basis, where the medical cost is shared between the insurer and the policyholder.
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Available co-payment options:
- 70% insurer + 30% policyholder
- 50% insurer + 50% policyholder
Key Features of the Scheme
- Cashless Hospitalisation: Treatment available at a wide network of hospitals across India
- Room Rent Limit:
- Normal room: up to 1% of the sum insured per day
- ICU: up to 2% of the sum insured per day
- Pre-Hospitalisation Cover: Expenses up to 30 days before admission
- Post-Hospitalisation Cover: Expenses up to 60 days after discharge
AYUSH and Modern Treatment Coverage
The policy fully covers AYUSH treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, up to the policy limit.
Modern medical treatments are covered up to 25% of the sum insured, with an option to extend this limit through an additional rider.
No Claim Bonus Benefit
If no claim is made during a policy year, the insured amount increases by 10%. This bonus can accumulate up to a maximum of 100% of the base sum insured over time.
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Premium Benefits
- Lower premium compared to standard health insurance plans
- Around 28% discount under the 70:30 option
- Around 42% discount under the 50:50 option
- No GST is applicable on the premium
Where to Buy the Policy?
The policy will be available:
- Online
- Through offices of New India Assurance Company
Conclusion
Paripoorna Mediclaim Ayush Bima is a thoughtful step towards strengthening healthcare support for CGHS beneficiaries. With high coverage, AYUSH inclusion, cashless treatment, and affordable premiums, the scheme offers peace of mind to government employees and their families.
For those looking to supplement their existing CGHS benefits, this policy can be a reliable and cost-effective option.
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