Paripoorna Mediclaim Ayush Bima, launched for CGHS beneficiaries, is provided by which insurance company?

Correct Answerसही उत्तर

B. New India AssuranceB. New India Assurance

Explanationव्याख्या

The correct answer is New India Assurance.
According to the source, the Finance Ministry launched Paripoorna Mediclaim Ayush Bima for beneficiaries of the Central Government Health Scheme, commonly abbreviated as CGHS.
The policy is described as an optional health insurance plan available as a retail product to all CGHS beneficiaries.
It is provided by the state-run New India Assurance.
The policy covers indemnity-based in-patient hospitalisation within India and offers sum-insured choices of ₹10 lakh or ₹20 lakh.
The source also specifies two co-payment arrangements: 70:30 and 50:50 between the insurer and subscribers.
Corresponding discounts of 28 percent and 42 percent are available for these co-sharing options compared with regular policies.
Room-rent limits are another important feature.
Normal-room rent is capped at 1 percent of the sum insured per day, while ICU room rent is capped at 2 percent per day.
The policy offers a cumulative bonus of 10 percent for every claim-free year, up to a maximum of 100 percent of the sum insured.
Pre-hospitalisation expenses are covered for 30 days and post-hospitalisation expenses for 60 days.
These figures are highly suitable for competitive examination questions.
Students should remember that the policy is optional and retail in nature rather than being described as a replacement for CGHS.
The source also separately mentions that the Department of Financial Services launched a Composite Salary Account Package for central government employees, combining banking and insurance benefits.
For revision: Paripoorna Mediclaim Ayush Bima → Finance Ministry → CGHS beneficiaries → optional retail plan → New India Assurance → ₹10 lakh
₹20 lakh sum insured → 70:30 or 50:50 co-pay → 28%
42% discounts → room cap 1% normal, 2% ICU → 10% claim-free bonus up to 100% → 30-day pre + 60-day post hospitalisation.
Therefore option B is correct.

सही उत्तर New India Assurance है। Source के अनुसार Finance Ministry ने Central Government Health Scheme यानी CGHS beneficiaries के लिए Paripoorna Mediclaim Ayush Bima launch किया। Policy को optional health insurance plan के रूप में describe किया गया है और यह सभी CGHS beneficiaries के लिए retail product के रूप में available है। इसे state-run New India Assurance provide करती है। Policy India के भीतर indemnity-based in-patient hospitalisation cover करती है और sum insured के दो options देती है: ₹10 lakh और ₹20 lakh। Source दो co-payment arrangements भी बताता है: insurer और subscribers के बीच 70:30 तथा 50:50। Regular policies की तुलना में इन respective co-sharing options पर 28% और 42% discounts दिए जाते हैं। Room-rent caps भी important हैं। Normal room के लिए per day cap sum insured का 1% है, जबकि ICU के लिए 2% है। Claim-free year पर 10% cumulative bonus मिलता है, जो maximum sum insured के 100% तक जा सकता है। Pre-hospitalisation coverage 30 days और post-hospitalisation coverage 60 days है। ये numerical facts exams के लिए बहुत useful हैं। Policy optional है और source इसे CGHS replacement नहीं बताता। Source Department of Financial Services द्वारा central government employees के लिए Composite Salary Account Package launch करने का भी उल्लेख करता है। Revision chain: Paripoorna Mediclaim Ayush Bima → Finance Ministry → CGHS beneficiaries → optional retail plan → New India Assurance → ₹10 lakh/₹20 lakh → 70:30 & 50:50 → 28%/42% discounts → room cap 1%/2% → 10% bonus up to 100% → 30 days pre + 60 days post। इसलिए option B सही है।

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