The Paripoorna Mediclaim Ayush Bima product has been launched by The New India Assurance Company Limited (NIACL) on 14.01.2026 for Central Government Health Scheme (CGHS) beneficiaries, offering cashless facilities, modern treatments and access to a wide network of hospitals. Key features This optional health insurance plan is available as a retail product for all CGHS beneficiaries, with no GST to ensure maximum affordability. Policy Term -1 Year The policy is exclusively available to CGHS beneficiaries with a maximum of six members under one policy, including spouse, children, parents and parents-in-law. It provides indemnity-based in-patient hospitalization coverage within India, with sum insured options of ₹10 Lakh or 20 Lakh. The product will have a co-payment component allowing beneficiaries to choose between 70:30 or 50:50 co-sharing between insurance company and the subscribers. As compared to regular policy of NIACL, it will be available at a discount of 28% and 42% for 70:30 and 50:50 co-sharing model respectively. In 70:30 model, 70% of admissible claim amount will be borne by insurance company and remaining 30% to be borne by policyholder. In 50:50 model, 50% of admissible claim amount will be borne by insurance company and remaining 50% to be borne by policyholder. However, in both the cases, the policy premium is to be borne by policyholder itself. The product is available to customers through offices of NIACL and also through its website. 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. Eligibility Criteria In-Service CGHS Beneficiaries - Exclusively available to CGHS beneficiaries with up to six members under one policy. Dependents of primary CGHS card holders who are not covered under CGHS, can be added under the policy. Tax paying family members like non-dependent parents, in-laws and proposer's financially dependent brother/sister can also be covered. Retired CGHS Beneficiaries - Exclusively available to Retired CGHS beneficiaries with up to six members under one policy. Dependents covered under the policy must also be CGHS Cardholders. Benefits offered Cashless Hospitalization Available at ~20,800 Third Party Administrator network hospitals and ~5050 insurer network hospitals Beneficiaries have the option to claim first either under CGHS or under the insurance policy. Comprehensive hospitalization cover - Covers room rent, ICU, doctor's fees, medicines, diagnostics, surgeries, dialysis, chemotherapy, etc. Modern Treatment Cover - 25% of SI (inbuilt) Modern Treatment Rider - Optional cover up to 100% of Sl with additional 15% premium. Major procedures like Hip replacement, sciatica pain and specialized surgeries like lung transplant are covered. Robotic surgeries and other modern surgeries like Intravitreal injections, Stereotactic radio surgeries, Deep Brain stimulation, Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Balloon Sinuplasty, Bronchial Thermoplasty, etc. are covered up to 25% of Sum Insured, which can be enhanced up to 100% of Sum Insured by opting for the Modern Treatment Rider. No doctor's endorsement is needed. No need to approach dispensaries, wellness centres, pharmacies etc. prior to hospitalization. Room Rent and ICU Limits - Room Rent up to 1% of Sum Insured per day; ICU up to 2% of Sum Insured per day irrespective of ward entitlements under CGHS rules. No differential category based on pay scale. Pre-Hospitalization Expenses - Up to 30 days prior to hospitalization. Post-Hospitalization Expenses - Up to 60 days from date of discharge. 100% AYUSH Coverage Covers Ayurveda, Yoga, Naturopathy, Unani, Siddha & Homeopathy up to 100% of SI (in-patient only). Cumulative Bonus of 10% for every claim-free year (upto a maximum of 100% of sum insured) The Insurer endeavours to decide on the request for cashless authorization at the earliest and within one hour of receipt of the request, and to grant final authorization within three hours of receipt of the discharge authorization request from the hospital. Family Discount 5% (2 members), 10% (3 members), 15% (more than 3 members). Lifetime Renewability - No age limit for renewal. Waiting Periods First 30 days; 90 days for Diabetes & Hypertension; 24 months for specified Ilinesses. Waiver of Pre-Existing Disease (PED) - May be considered on submission of Good Health Certificate from CGHS/Employer/existing insurer certifying no hospitalization in the past 24 months. Source : The New India Assurance Co Ltd