Policy offers ₹10–20 lakh hospitalization cover with flexible co-payment choices and cashless treatment across extensive hospital networks

Sh. M. Nagaraju, Secretary, Department of Financial Services (DFS), Ministry of Finance, inaugurated facilitation camps organized by the New India Assurance Company Limited at the premises of  DFS in New Delhi today. The facilitation camps are being organized across different Ministries/Departments of Government of India.

  

The Paripoorna Mediclaim Ayush Bima has been launched by the New India Assurance Company Limited on 14.01.2026 for CGHS beneficiaries. It offers cashless facilities, modern treatments and access to a wide network of hospitals.

The health insurance product is exclusively available to CGHS beneficiaries with a maximum of six members per policy. It provides indemnity-based in-patient hospitalization coverage within India, with sum insured options of ₹10 Lakh or ₹20 Lakh. Product will have Co-payment component allowing beneficiaries to choose between 70:30 or 50:50 co-sharing between insurance company and the subscribers. The product provides cashless hospitalization through ~20,800 Third Party Administrator network hospitals and ~5050 insurer network hospitals. Other detailed policy features can be seen from NIACL’s official website by using the URL https://www.newindia.co.in/health-insurance/paripoorna-ayush-bima

This optional health insurance plan is available as a retail product for all CGHS beneficiaries, with No GST to ensure maximum affordability. Designed to complement existing benefits, this enhanced policy will provide seamless experience, with greater flexibility and expanded access to quality healthcare services across India, thus leading to additional financial security with ease and confidence for all CGHS beneficiaries.

Health insurance co-payment options enhance CGHS beneficiary coverage with cashless hospitalization access and flexible network choices. Paripoorna Mediclaim Ayush Bima is an optional indemnity-based in patient hospitalization policy exclusively for CGHS beneficiaries, coverable up to six members per policy. The product offers selectable co-payment sharing ratios between insurer and subscriber, cashless treatment through insurer and Third Party Administrator networks, and is promoted as a retail complement to existing CGHS benefits with a GST exemption to improve affordability.