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Pension regulator updates NPS Swasthya PoC 2, linking pension savings with mandatory health insurance, minimum entry 25000 rupees, full withdrawal allowed for major medical bills
Right now, this scheme will be available to a small number of people as it is still being tested.
India’s pension regulator, Pension Fund Regulatory and Development Authority, has updated its special pension plan that also helps with medical expenses. The new version, called NPS Swasthya (PoC 2), is designed to make things simpler and more useful for common people.
What is this scheme in simple words?
This is a pension plan where you save money for the future, but it also helps you pay for hospital expenses if needed. The government is still testing it on a small scale before rolling it out fully.
Health insurance is now compulsory
Under the new update, you must have a health insurance cover along with this scheme. This ensures that if you fall sick, you have some financial support. The cost of this insurance will be taken from your pension savings.
Minimum investment to start
To join the scheme, you need to invest at least Rs 25,000 at the beginning. Only after this, you can use the benefits of the plan.
Big relief during medical emergencies
If you face a serious health issue and your hospital bill is very high, you can withdraw all your saved money at once to pay for treatment. This is allowed even if your savings are small.
The money will be directly paid to the hospital or service provider. If anything is left after paying the bill, it will go back to your account.
Limited rollout for now
Right now, this scheme will be available to a small number of people as it is still being tested.
Overall, the new version makes the scheme more practical, especially for people who want both retirement savings and medical security in one place.
April 12, 2026, 10:44 IST
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