CGHS beneficiaries get optional health insurance plan

New Delhi: The government has launched the Paripoorna Mediclaim Ayush Bima for Central Government Health Scheme, or CGHS, beneficiaries. This optional health insurance plan will be available as a retail product for all CGHS beneficiaries, the finance ministry noted in a statement.

The policy provides indemnity-based in-patient hospitalisation coverage within India, with sum insured options of ₹10 lakh or ₹20 lakh.

"Designed to complement existing benefits, this enhanced policy will provide a 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," the finance ministry said in its statement.


The product will have a co-payment component allowing beneficiaries to choose between 70:30 or 50:50 co-sharing between the insurance company and subscribers, the finance ministry stated, adding that as compared to a regular policy, it will be available at a discount of 28% and 42% for 70:30 and 50:50 premium co-sharing. - Our Bureau