INCOME TAX20 Sept 2026
NPS Swasthya final rules: 25% healthcare withdrawal cap, mandatory insurance cover up to ₹30 lakh; check details
The Pension Fund Regulatory and Development Authority (PFRDA) has issued final rules for NPS Swasthya, a pension scheme with healthcare benefits. You can withdraw up to 25% of your contributions for eligible medical expenses, paid straight to the hospital, not you. A super top-up health policy is compulsory, with family cover from ₹1 lakh to ₹30 lakh. Minimum first contribution includes ₹200 maintenance charges and ₹1,000 investment.
Key Statutory Highlights
- PFRDA issued the final operational guidelines for NPS Swasthya on September 18.
- Subscribers can make healthcare-related partial withdrawals of up to 25% of their contributions to the NPS Swasthya account.
- A super top-up health insurance policy is mandatory for enrolment, with family-floater cover options ranging from ₹1 lakh to ₹30 lakh.
Actionable Advice for Taxpayers / Founders:If NPS Swasthya interests you, speak with your bank or a tax adviser about the mandatory insurance premium and the account charges before you enrol.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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