CGHS Beneficiaries Alert! ₹10–20 Lakh Cover with Paripoorna Mediclaim Ayush Bima
Автор: DIRECT & INDIRECT TAX DUNIYAA
Загружено: 2026-01-15
Просмотров: 191
Описание:
Purpose & Context
The Paripoorna Mediclaim Ayush Bima is a government-backed optional health insurance launched by the Department of Financial Services (DFS), Ministry of Finance.
It is exclusively for CGHS beneficiaries, designed to supplement existing CGHS coverage, not replace it.
Target Beneficiaries
CGHS cardholders (serving & pensioners)
Coverage for up to 6 family members
Retail product, voluntary enrollment
Coverage Highlights
Sum Insured: ₹10 lakh or ₹20 lakh
In-patient hospitalization (India only)
Cashless treatment with a wide hospital network
AYUSH treatments: Covered up to 100% of sum insured
Modern treatments: Covered up to 25%, extendable to 100% via rider
Cost & Affordability
Purpose & Context
The Paripoorna Mediclaim Ayush Bima is a government-backed optional health insurance launched by the Department of Financial Services (DFS), Ministry of Finance.
It is exclusively for CGHS beneficiaries, designed to supplement existing CGHS coverage, not replace it.
Target Beneficiaries
CGHS cardholders (serving & pensioners)
Coverage for up to 6 family members
Retail product, voluntary enrollment
Coverage Highlights
Sum Insured: ₹10 lakh or ₹20 lakh
In-patient hospitalization (India only)
Cashless treatment with a wide hospital network
AYUSH treatments: Covered up to 100% of sum insured
Modern treatments: Covered up to 25%, extendable to 100% via rider
Cost & Affordability
Co-payment options:
70:30 (Insurer : Subscriber) → 28% premium discount
50:50 → 42% premium discount
No GST, making it more affordable than regular health insurance
Additional Benefits
Room rent cap:
Normal room: 1% of SI/day
ICU: 2% of SI/day
Pre-hospitalization: 30 days
Post-hospitalization: 60 days
Cumulative Bonus: 10% per claim-free year, up to 100%
Available via New India Assurance (offline & online)
Strategic Significance
Enhances financial protection for CGHS beneficiaries
Encourages choice-based co-sharing
Promotes AYUSH and modern medical treatments
Co-payment options:
70:30 (Insurer : Subscriber) → 28% premium discount
50:50 → 42% premium discount
No GST, making it more affordable than regular health insurance
Additional Benefits
Room rent cap:
Normal room: 1% of SI/day
ICU: 2% of SI/day
Pre-hospitalization: 30 days
Post-hospitalization: 60 days
Cumulative Bonus: 10% per claim-free year, up to 100%
Available via New India Assurance (offline & online)
Strategic Significance
Enhances financial protection for CGHS beneficiaries
Encourages choice-based co-sharing
Promotes AYUSH and modern medical treatments
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