# PFRDA finalises NPS Swasthya rules: 25% withdrawal cap, Rs 30 lakh cover 2026-09-20T04:32:30+00:00 | Governance | Indian Opinion Desk Corroboration: 2 independent outlets The Pension Fund Regulatory and Development Authority (PFRDA) has issued final operational guidelines for NPS Swasthya, its healthcare-focused pension scheme. The circular, issued on September 18, allows subscribers to make partial withdrawals of up to 25% of their contributions for eligible medical expenses. Withdrawals are settled directly with hospitals or healthcare providers, not paid to the subscriber. The scheme mandates a super top-up health insurance policy with a family floater covering the subscriber, spouse, and up to two dependent children. Parents are excluded. Insurance cover options range from Rs 1 lakh to Rs 30 lakh, with annual deductibles from Rs 10,000 to Rs 3 lakh. Entry age is 18 to 70 years, with renewals possible up to age 85. The minimum initial contribution includes the first-year insurance premium, Rs 200 annual maintenance charges, and Rs 1,000 towards investment. Subsequent contributions are Rs 10. If the balance is insufficient to pay the renewal premium, the pension fund must alert the subscriber 90, 60, and 30 days before. If the premium remains unpaid after the grace period, the NPS Swasthya account is closed and merged into a standard NPS scheme under the All Citizen Model. ## Indian Opinion Analysis Both livemint.com and economictimes.indiatimes.com deliver a neutral, fact-based report on the PFRDA circular. The coverage focuses on the mechanics of the scheme: withdrawal limits, premiums, charges, and transfer rules. Neither outlet criticizes the regulator, nor do they highlight potential drawbacks for subscribers. The uniform straight reporting means there is no competing framing to weigh. The implications are what matter: the scheme's success depends on how the mandatory insurance and deductible structure appeals to savers who may find the costs high. The PFRDA's next step is to monitor enrolment and the scheme's functioning under the new rules, with a renewal cycle for the policy likely seeing adjustments in premiums and terms as per IRDAI guidelines. ## Coverage - livemint.com (neutral report) Led with the 25% withdrawal cap and cover details, reporting all rules without comment. - economictimes.indiatimes.com (neutral report) Focused on the operational guidelines, listing charges, and policy terms factually. Tags: insurance, NPS, NPS Swasthya, PFRDA Canonical: https://indianopinion.org/pfrda-finalises-nps-swasthya-rules-caps-healthcare-withdrawal-at-25/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/pfrda-finalises-nps-swasthya-rules-caps-healthcare-withdrawal-at-25/#story-in-brief