Consider the following statements regarding Paripoorna Mediclaim Ayush Bima: 1. It is available to CGHS beneficiaries as an optional retail health insurance product. 2. The available sum-insured options are ₹10 lakh and ₹20 lakh. 3. The policy offers 70:30 and 50:50 co-payment options. 4. Normal room rent is capped at 1% of the sum insured per day and ICU rent at 2%. 5. Pre-hospitalisation coverage is 30 days and post-hospitalisation coverage is 60 days. Which of the statements given above are correct?

Correct Answerसही उत्तर

D. 1, 2, 3, 4 and 5D. 1, 2, 3, 4 और 5

Explanationव्याख्या

All five statements are correct according to the source.
Paripoorna Mediclaim Ayush Bima was launched by the Finance Ministry for beneficiaries of the Central Government Health Scheme.
The plan is optional and is available as a retail insurance product to all CGHS beneficiaries.
Therefore statement 1 is correct.
It provides indemnity-based in-patient hospitalisation coverage within India.
Two sum-insured options are given: ₹10 lakh and ₹20 lakh, making statement 2 correct.
The source provides two co-payment structures, 70:30 and 50:50, between the insurer and subscribers, so statement 3 is correct.
These co-sharing arrangements are associated with discounts of 28 percent and 42 percent respectively compared with regular policies.
Room-rent limits are explicitly given as 1 percent of the sum insured per day for normal rooms and 2 percent for ICU accommodation, confirming statement 4.
The policy also covers expenses for 30 days before hospitalisation and 60 days after hospitalisation, making statement 5 correct.
Another feature is a cumulative bonus of 10 percent for every claim-free year, up to a maximum of 100 percent of the sum insured.
The policy is provided by state-run New India Assurance.
Competitive examinations may interchange the 30-day and 60-day periods, reverse the 1 percent and 2 percent room caps or alter the co-payment ratios.
Students should therefore remember the numerical structure clearly: ₹10
20 lakh cover; 70:30
50:50 co-pay; 28%
42% discounts; 1% normal room
2% ICU; 10% annual claim-free bonus up to 100%; 30 days pre
60 days post hospitalisation.
Since all statements in the question accurately reflect the source, option D is the correct answer.

सभी पाँच statements source के अनुसार सही हैं। Paripoorna Mediclaim Ayush Bima Finance Ministry द्वारा Central Government Health Scheme beneficiaries के लिए launch किया गया। Plan optional है और सभी CGHS beneficiaries के लिए retail insurance product के रूप में available है, इसलिए statement 1 सही है। यह India में indemnity-based in-patient hospitalisation coverage देता है। Sum insured के दो options हैं: ₹10 lakh और ₹20 lakh, इसलिए statement 2 भी correct है। Insurer और subscribers के बीच 70:30 तथा 50:50 co-payment structures दिए गए हैं, इसलिए statement 3 सही है। इन co-sharing options पर regular policies की तुलना में respectively 28% और 42% discounts दिए जाते हैं। Room-rent limits source में clearly दिए गए हैं: normal room के लिए per day sum insured का 1% और ICU के लिए 2%, इसलिए statement 4 correct है। Pre-hospitalisation expenses 30 days और post-hospitalisation expenses 60 days तक cover होते हैं, इसलिए statement 5 भी सही है। Claim-free year पर 10% cumulative bonus भी मिलता है जो maximum 100% sum insured तक जा सकता है। Policy state-run New India Assurance provide करती है। Exams में 30 और 60 days को reverse करना, 1% और 2% caps बदलना या co-payment ratios alter करना common trap हो सकता है। Revision: ₹10/20 lakh cover → 70:30/50:50 → 28%/42% discounts → normal room 1% → ICU 2% → claim-free bonus 10% up to 100% → pre 30 days → post 60 days। इसलिए सभी statements सही हैं और option D correct answer है।

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