Paripoorna Mediclaim Ayush Bima: Enhanced Health Security for Central Govt Employees

• The Ministry of Finance launched Paripoorna Mediclaim Ayush Bima, an optional retail health insurance for Central Government Health Scheme (CGHS) beneficiaries.
• It covers hospitalization expenses within India, offering sum insured options of up to ten lakh and twenty lakh rupees.
• Beneficiaries can choose co-payment models (70-30 or 50-50) with significant premium discounts (28% for 70-30, 42% for 50-50).
• Key features include room rent limits, a 10% cumulative bonus for claim-free years (up to 100% of sum insured), and 30 days pre-hospitalization/60 days post-hospitalization coverage.
• The scheme, available through New India Assurance, aims to provide an additional layer of financial protection and better hospital facilities to government employees and pensioners.

Why It Matters: Paripoorna Mediclaim Ayush Bima offers central government employees and pensioners enhanced, optional health insurance.