The Paripoorna Mediclaim Ayush Bima provides health insurance cover exclusively for CGHS Beneficiaries, with a maximum of six members per policy
Product Features:
1 Co-Payment Component – options of 70:30 or 50:50 co-sharing between insurance company and the subscribers
2 Policy Term -1 Year
3 Sum Insured Options - ₹10 Lakh or ₹20 Lakh
4 AYUSH treatments covered up to 100% of the sum insured for in-patient hospitalization
5 Modern treatments covered up to 25% of the sum insured, with an optional rider for 100% coverage
6 Cashless facility at Network hospitals
7 Equitable Premiums-Same premium chart for Serving & Retired Employees
8 Flexible Enrolment-Add New Born or Newly Weds, after enrolment
9 Cumulative Bonus of 10% for every claim-free year (upto a maximum of 100% of sum insured)
10 Nil GST
11 Floater discounts:
2 Members-5%, 3 Members -10%, More than 3 Members-15%
| Coverage Details | |
|---|---|
| Room Rent Cap | 1% of Sum Insured per day |
| ICU Cap | 2% of Sum Insured per day |
| Pre-Hospitalization | Covered upto 30 Days |
| Post-Hospitalization | Covered upto 60 Days |
| Coverage Area | In-Patient Hospitalization (Pan India) |
| Waiting Periods |
|---|
| 30 days: General Waiting Period |
| 90 Days: For Diabetes/Hypertension |
| Up to 24 Months: For Specific Diseases and PEDs |
| Note: PED Waiver/Reduction subject to Good Health Certificate from Employer/CGHS or the existing insurer |
The product is available via offices of New India Assurance Company Limited
and its website