OFFICE MEMORANDUM
Subject: Paripoorna Mediclaim Ayush Bima for CGHS beneficiaries-reg.
The undersigned is directed to refer to the subject cited above and to say that the Paripoorna Mediclaim Ayush Bima product has been launched by The New India Assurance Company Limited (NIACL) on 14.01.2026 for CGHS beneficiaries, offering cashless facilities, modern treatments and access to a wide network of hospitals. The product is available to customers through offices of NIACL and also through its website.
- It is noted that 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. The key features of the product are enclosed as Annexure.
- 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.
- In view of the above and for ensuring wider awareness about this product, it is requested that this information may be disseminated among all CGHS benefit availing officers and staff, including those in attached and subordinate offices under respective Ministry/Departments. In this regard, an e-banner has also been developed (enclosed) which may be displayed on the official website, e-office dashboard, HRM portal of your Ministry/Department, along with a hyperlink to DFS webpage at https://financialservices.gov.in/beta/en/page/paripoorna-mediclaim-ayush-bima, for wider awareness among employees.
- This issues with the approval of Competent Authority.
Encl. As above
(Satish Kumar Singh)
Under Secretary to the Govt. of India
Tel. No. 011-23748715
To,
The Secretary of all Ministries/Departments of Government of India
(as per list attached)
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