• Scheme launched: Paripoorna Mediclaim Ayush Bima
• Launched by: DFS, MoF
• Target Group: Central Government Health Scheme (CGHS) beneficiaries
• Coverage: 6 members
• Sum Insured: Rs 10 lakhs or Rs 20 lakhs
• Co-payment: 70:30 or 50:50
• Purchase: New India Assurance Company Limited
• Coverage: AYUSH – 100% sum insured, modern treatment – 25% enhanced up to 100%  
• Features: Room rent – 1% (Normal), 2% (ICU); Pre-hospitalisation – 30 days, post-hospitalisation – 60 days

About Paripoorna Mediclaim Ayush Bima:
Overview: It is available as a retail product for all CGHS, with no Goods and Services Tax (GST) charged on the premium to ensure maximum affordability for subscribers.
Purpose: This complements the existing CGHS facilities, the policy offers cashless treatment, coverage for modern procedures and access to a wide hospital network across India.
Coverage: The policy covers a maximum of six members per policy.

• It provides indemnity-based inpatient hospitalisation coverage across India.

Sum-Insured: The policy provides a sum insurance of Rs 10 lakhs or Rs
20 lakhs.
Co-payment: The product will have a co-payment component allowing beneficiaries to choose between 70:30 or 50:50 between the insurance company and the subscribers.

• The policy will be available at a discount of 28% under the 70:30  and 42% under the 50:50 split, when compared to a regular policy.

Insurance Purchase: The policy will be available for purchase through the New India Assurance Company Limited(NIACL’s) offices and online platform.
Key Features: Room rent is capped at 1% of the sum insured for normal rooms and 2% for ICU (Intensive Care Unit) stays per day.

• The policy includes 30 days of pre-hospitalisation and 60 days of post-hospitalisation cover.

Coverage: AYUSH(Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy) treatments are fully covered up to 100% of the sum insured for in-patient care.

• Modern medical procedures are covered up to 25% of the sum insured, with an optional rider available to enhance coverage up to 100%.

Bonus Offered: The policy also offers a cumulative bonus of 10% for each claim-free year, subject to a maximum of 100% of the sum insured.
About Ministry of Finance (MoF):
Union Minister – Nirmala Sitharaman (Rajya Sabha – Karnataka)
Minister of State – Pankaj Chaudhary (Constituency – Maharajganj, Uttar Pradesh, UP)