Paripoorna Mediclaim Ayush Bima
Why in news?
Paripoorna Mediclaim Ayush Bima is a newly launched optional health insurance policy exclusively for Central Government Health Scheme (CGHS) beneficiaries, offering cashless treatment, modern medical procedures, and coverage up to ₹20 lakh.
Highlights of Paripoorna Mediclaim Ayush Bima
- Target Group: Exclusively for CGHS beneficiaries (Central Government employees, pensioners, and their dependents).
- Family Coverage: Up to six members can be included under one policy.
- Sum Insured Options: Beneficiaries can choose between ₹10 lakh or ₹20 lakh coverage.
- Cashless Facility: Access to a wide hospital network across India with cashless treatment.
- Modern & AYUSH Treatments: Covers both modern medical procedures and AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatments.
- Co-payment Flexibility: Two options available:
- 70:30 (insurer pays 70%, insured pays 30%)
- 50:50 (equal sharing of costs)
This scheme is designed to expand healthcare access for government employees and pensioners, especially by integrating AYUSH treatments with modern medical coverage. It provides financial protection against high medical costs while giving flexibility in co-payment and family coverage
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