Health Insurance Plans: The Sampoorna Mediclaim AYUSH Insurance Scheme has been launched for central government employees and pensioners. It offers a sum insured of ₹10 to 20 lakh, premium waivers, and hospitalization coverage.
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Paripoorna Mediclaim Ayush Insurance: If you are a central government employee or pensioner, there’s good news for you. The government has taken a major step to protect your health. The Central Government Health Scheme (CGHS) has introduced “Paripoorna Mediclaim Ayush Insurance.” Let’s learn about the benefits of this insurance and its premium.
What is “Paripoorna Mediclaim Ayush Insurance”?
“Paripoorna Mediclaim Ayush Insurance” is a central government health scheme. Central government employees can avail of it as an alternative to health insurance. Under this policy, the insurance will cover the cost of hospitalization across the country. The insured will have the option of a sum insured of 10 to 20 lakh rupees. You can also pay for this policy in two installments. You can choose a 70-30 or 50-50 cost-sharing model.
Special Premium Discounts
Beneficiaries of this insurance policy will also receive special premium discounts. If they choose the 70-30 model, they will receive a 28 percent discount. Furthermore, if they choose the 50-50 model, they will receive a 42 percent discount.
What will the insurance policy cover?
This health insurance policy is available through New India Assurance. Its terms are clear: normal room rent will be covered only up to 1% of the sum insured per day, and ICU rent will be covered up to 2% per day. If you remain claim-free for each year, you will receive a 10% bonus, which can gradually increase to 100% of the sum insured. Furthermore, expenses for 30 days before treatment and 60 days after treatment are also included. This means that this policy will cover hospitalization as well as other necessary pre- and post-treatment expenses.
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