DFS launches Paripoorna Mediclaim Ayush Bima for CGHS beneficiaries
The Department of Financial Services launched Paripoorna Mediclaim Ayush Bima, an optional health insurance plan for CGHS beneficiaries with sum insured of ₹10 lakh or ₹20 lakh, on 14 January 2026.
Summary
Paripoorna Mediclaim Ayush Bima, an optional health insurance plan for Central Government Health Scheme (CGHS) beneficiaries, was launched by the Department of Financial Services (Finance Ministry) on 14 January 2026. It offers indemnity-based in-patient cover in India with a sum insured of ₹10 lakh or ₹20 lakh for up to six members per policy, and a choice of 70:30 or 50:50 co-payment between the insurer and the subscriber. AYUSH treatment is covered up to 100% of the sum insured, while modern treatment is covered up to 25%, with an optional rider for full cover. The policy also gives 30 days of pre- and 60 days of post-hospitalisation cover and a 10% cumulative bonus for each claim-free year.
Key facts
- Scheme
- Paripoorna Mediclaim Ayush Bima
- Launched by
- Department of Financial Services, 14 January 2026
- Eligibility
- CGHS beneficiaries only; up to 6 members per policy
- Sum insured
- ₹10 lakh or ₹20 lakh
- Co-payment
- 70:30 or 50:50
- AYUSH cover
- Up to 100% of sum insured
- Modern treatment
- Up to 25% (optional rider for 100%)
Practice MCQs 2 questions
Paripoorna Mediclaim Ayush Bima, launched by the Department of Financial Services in January 2026, is available exclusively to which group?
Show answer
Correct answer: B — CGHS beneficiaries
PIB (Finance): the policy is exclusively available to CGHS beneficiaries, with up to six members per policy.
Under Paripoorna Mediclaim Ayush Bima, up to what share of the sum insured is covered for AYUSH in-patient treatment?
Show answer
Correct answer: D — 100%
PIB (Finance): AYUSH treatments are covered up to 100% of the sum insured; modern treatment is covered up to 25%.