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Chapters (11:21)
0:00 Intro: नई Health Insurance Scheme for CGHS beneficiaries
0:41 DFS (Finance Ministry) press release date and scheme launch
1:18 Scheme name: Paripoorna Mediclaim Ayush Bima, for CGHS beneficiaries
2:05 CGHS बंद होगा या नहीं? (CGHS remains as it is)
2:42 Why this policy: CGHS package limits and extra “top-up” protection
3:22 Who launched it: New India Insurance Company Ltd
4:02 Coverage options: ₹10 lakh vs ₹20 lakh (what it covers)
4:35 Premium update: final premium not officially declared yet
5:22 Premium depends on age, family size (up to 6 members), option chosen
6:06 Two cost-sharing options: 70:30 vs 50:50 explained
6:55 Why 70:30 is safer for pensioners (high-cost hospitalization cases)
7:40 Real examples: Heart stent, knee replacement, ICU long stay expense gap
9:05 Who should pick ₹10 lakh and who should pick ₹20 lakh
10:05 Is it mandatory? No, it’s optional add-on to CGHS
10:40 What you should do now: visit facilitation camps for written details
11:10 Closing: like, share, and stay connected

YouTube Description (Copy-Paste)

A new Health Insurance add-on scheme has been launched for CGHS beneficiaries that can significantly reduce your out-of-pocket medical expenses, especially when treatment costs go beyond CGHS package limits.

On 17 February 2026, the Department of Financial Services (DFS), Ministry of Finance, initiated facilitation camps to promote “Paripoorna Mediclaim Ayush Bima” for Central Government Health Scheme (CGHS) beneficiaries. This policy is being offered through New India Insurance Company Ltd.

What is this scheme?

This is an optional mediclaim / ayush health insurance cover designed to work along with CGHS, not replace it.
CGHS facilities like OPD services, medicines, wellness centres, and existing CGHS benefits remain unchanged.

Why this matters for CGHS beneficiaries

Many times, in private hospitals or advanced treatments, the actual hospital bill is higher than the CGHS package rate. The extra amount (the “gap”) is usually paid by the patient. This new policy aims to cover that gap, giving an additional safety net of:

₹10 lakh cover option

₹20 lakh cover option

Cashless, big hospital support, expensive treatments

This policy is positioned as an additional layer for high-cost scenarios like:

Heart procedures / stents

Cancer treatment

ICU long stay

Knee replacement

Treatments in metro cities and private hospitals where bills rise quickly

Premium (important update)

As per the discussion, no officially fixed premium has been announced yet by the government/insurer. Any numbers circulating on social media (like “₹5000/₹8000 fixed”) are not confirmed.

Chosen cover: ₹10L or ₹20L

Chosen sharing option

Two contribution options (very important)

70:30 option: Insurance pays 70%, you pay 30%

50:50 option: Insurance pays 50%, you pay 50%

For pensioners, the 70:30 option is being considered more secure, because in a major hospitalization (ICU, cancer, heart surgery), the patient’s share remains lower.

Simple example of the “gap” this policy targets

If a hospital bill is ₹4–5 lakh but CGHS package allows ₹2.5–3 lakh, the remaining ₹1–2 lakh often comes from your pocket. This scheme is meant to cover that extra amount under the selected insurance limit.

Which cover should you choose?

₹10 lakh: healthier family, smaller cities, limited budget

₹20 lakh: seniors/pensioners, metro city treatment, higher health risk, private hospital preference


This scheme is not compulsory. You can continue with CGHS exactly as you are. This is only for those who want extra protection.
Action step for viewers
Visit the facilitation camps in ministries/departments to get:
final premium in writing
eligibility and documentation
clear comparison of 70:30 vs 50:50
10L vs 20L suitability
If you found this information useful, please Like, Share, and Subscribe so more CGHS beneficiaries, employees, and pensioners can benefit.
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