- Health plans for AYUSH Cover
- Benefits of Ayush Treatment
- Inclusion & Exclusion
Ayush Treatment Benefits in Health Insurance
For thousands of years, Ayurveda has been used to treat several illnesses & injuries. In ancient times, it was considered one of the best ways to treat diseases and lead a healthy lifestyle.
In the last few years, these traditional ayurvedic approaches have blended well with our modern lifestyle and have created awareness among today's generation. People nowadays are inclined to improve their health-oriented habits with ancient wisdom and are trying to lead a healthy life.
What Is AYUSH Treatment?
AYUSH is an abbreviation for Ayurveda, Yoga, Unani, Siddha, and Homeopathy. This concert encourages the patients to get treated with the combination of conventional and modern restorative practices.
With the growing demand for ayurvedic treatments, the Insurance Regulatory and Development Authority of India (IRDAI) made this mandatory for every Health Insurance provider to offer AYUSH treatment as a part of their coverage as well.
Owing to the increasing demand and potentiality for Ayurvedic treatments, it is necessary to check with your health insurer if the AYUSH treatments are covered under the chosen best health Insurance plan and sub-limits for the same.
Eligibility Criteria to Avail Claim for AYUSH Cover
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24 Hours Hospitalisation
One needs to be hospitalized for at least 24 hours to claim coverage. -
Treatment at Government/ Government Recognised Hospital
One can get coverage against the AYUSH cover only if the treatment is received at a government hospital or an institution recognised by the government. -
Hospital under Quality Council of India
One can also avail coverage if the treatment is available in any hospital that is accredited by the Quality Council of India. -
Recognised AYUSH Colleges
Treatments taken in AYUSH colleges recognised by the Central Council of Indian Medicine (CCIM) or the Central Council of Homeopathy (CCH) are also covered under AYUSH.
Health Insurance Companies Offering Cover for AYUSH Treatment
Almost all the health insurance companies in India offer coverage for AYUSH treatment. But we have prepared a list of companies and their plans. Take a look:
| Health Insurance Companies | Health Insurance Plans |
|---|---|
| Aditya Birla Capital Health Insurance | Activ Assure Diamond Health Insurance Activ Health Platinum |
| Bajaj Allianz Health Insurance | Available almost in All Plans |
| Care Health Insurance | Care Plan |
| Cholamandalam MS Health Insurance | Individual Health Line Plan Chola Health Line Plan |
| Digit Health Insurance | Digit Health Care Plus |
| Future Generali Health Insurance | Comprehensive Health Insurance Health Total |
| HDFC ERGO Health Insurance | Optima Secure Policy My-health Suraksha |
| IFFCO Tokio Health Insurance | Individual Medishield Policy |
| Kotak Mahindra Health Insurance | Group HealthCare Plan Group Smart Cash Plan |
| Liberty Health Insurance | Arogya Sanjeevani Policy Group Health Policy Hospi Cash Connect Policy |
| Manipal Cigna Health Insurance | ProHealth Plans Super Top Up Plans Arogya Sanjeevani Policy |
| Max Bupa Health Insurance | Health Companion |
| Reliance Health Insurance | Health Infinity Plan |
| SBI Health Insurance | Available in almost all plans |
| Star Health Insurance | Available in almost all plans |
Why Choose AYUSH Benefit Health Insurance Cover?
-
Highly Effective
Though the ayurvedic treatments take time in showing the results, they are highly effective, have no side effects & eradicate the diseases from the root. -
Pocket-Friendly
The cost of AYUSH treatment is significantly low in comparison to any kind of allopathic treatment. -
Easily Available
Being one of the traditional treatments, it makes it easy for the policyholder to find an AYUSH practitioner in remote areas, where no big hospitals are available. -
Effective for Senior Citizens
These treatments are quite helpful for Senior Citizens. With growing age, the capacity of the body to withstand harsh treatments decreases. AYUSH Treatment is a milder yet an effective way to treat senior citizens. -
Vast Coverage
AYUSH Treatments are effective treatments that can cure a vast array of illnesses. Such treatments are also proven useful in curing lifestyle ailments like diabetes and hypertension and also for life-threatening illnesses like the early stages of cancer. -
Holistic Approach
The coverage for AYUSH treatment allows you to get the treatment that has a holistic approach. With this, you can get a comprehensive wellness solution beyond conventional medicine/medical practice. -
Personal Preferences
Many people prefer natural or traditional remedies instead of conventional medicines, due many reasons. Having AYUSH coverage allows you to go for these alternative therapies and access the treatment as per your preferences. -
Preventive Healthcare
AYUSH therapies emphasize preventive healthcare methods, such as changes in diet/lifestyle, and managing stress. To follow these rules, you need external support, which is exactly what health insurance for AYUSH treatment covers. -
Cultural Heritage
AYUSH insurance offers you the opportunity to preserve and utilize your cultural heritage for health and wellness.
Know What is Covered under AYUSH Treatment Insurance?- Inclusions
Materials that are used for the treatment in Ayurveda, Siddha, Unani, Yoga and Naturopathy.
Cost of medicine.
Cost of accessories used in the treatment
Maintenance cost of the equipment
In-patients cost
Pre and post-hospitalisation procedure cost
Room rent charges
What is not Covered?- Exclusions
Treatment at Non Government Hospital
Any treatment received in a non-government hospital is excluded.
Daycare Treatments
Treatments which require less than 24 hours of hospitalization are excluded from the coverage.
Outpatient Medical Expenses
Expenses related to treatments for people who visit hospitals or clinics for check-ups & diagnosis, but do not need hospitalisation; are excluded from coverage under AYUSH.
Rejuvenation Procedures
The policy does not include spas, body massages or any health rejuvenation procedures, which are not medically required.
Cosmetic Procedures
The policies do not include Ayurvedic beauty treatments, that are considered for aesthetic purposes rather than medical necessity.
Experimental Treatment
Procedures done under AYUSH that are considered experimental will not be covered under the insurance policy.
Pre-existing conditions
If there are any pre-existing conditions, the policy will not cover the cost of AYUSH treatment for that disease.
Claim Settlement for AYUSH Treatment
You can avail of cashless claim settlement for network hospitals or service providers and apply for reimbursement claim settlement if you go for the non-network hospital/service providers. You can follow the steps below for a smooth claim settlement process:
| Steps | Cashless Claim Settlement | Reimbursement Claim Settlement |
|---|---|---|
| Step 1 | Take the service of AYUSH treatment from any network hospital. | Take the service of AYUSH treatment from any non-network hospital and pay the bill. Do keep the bills for further steps. |
| Step 2 | Inform the company within 24 hours. | Intimate for the claim within the next 15 days from the company. |
| Step 3 | Submit the required documents. | Submit the bills and required documents to the company. |
| Step 4 | Your cashless claim will be settled after the verification process. | Your reimbursement amount will be done after the verification process and it will be credited to your given bank account. |
Waiting Period for AYUSH Coverage
The waiting period for AYUSH treatment coverage depends on policy providers. Usually, most companies apply a 4-year waiting period, after which you can avail the benefit of claim settlement.
Things to remember before buying the policy that covers AYUSH treatments:
-
Terms and Conditions
Read all the terms and conditions before buying the policy as you need to understand all the services and conditions the plan covers. Read all the inclusions and exclusions carefully and then choose the plan -
Premiums
Check the rate of premiums that you need to pay every year. Check whether you need to pay extra premiums for having AYUSH coverage along with general health insurance. -
Network Providers
You need to check if the policy has a network of AYUSH practitioners and hospitals. Make sure that the provider you want is included in the network itself. -
Claim Process
You need to make sure that the company has an easy claim process. Check out the required documents you need to share with your network provider while proving the claim.
If required, consult your qualified insurance advisor or agent who can provide personalised guidance based on your needs and budget. Or, you can directly call our expert insurance guides at PolicyX for any queries/questions about AYUSH treatments and related topics.
Conclusion
Rather than going for mainstream medical treatments, most people these days are inclined to avail Ayurvedic treatments. With this change in the thinking of people wherein they have started thinking about alternative treatments such as Yoga, Ayurveda, Homeopathy, etc, many Health Insurance Companies have started providing AYUSH treatment cover as a part of their conventional health insurance policies.
Therefore, you must read your policy documents carefully to check if you can avail of the AYUSH cover or not. In case of any confusion regarding your policy, get in touch with the experts at PolicyX.com who will help you out to resolve your queries.
Health Insurer Network Hospitals
Ayush Treatment Benefits in Health Insurance: FAQs
1. What is AYUSH Treatment?
AYUSH Treatment is the abbreviation term for Ayurveda, Yoga, Unani, Siddha, Naturopathy, and Homeopathy. It is the traditional healthcare system originated in India, and its main focus is holistic well-being and natural remedies.
2. Can diabetes be treated with the help of AYUSH Treatment?
Yes, proper treatment under AYUSH can treat diabetes too
3. Can we claim for Ayurvedic treatment in health insurance?
Yes, you can claim for Ayurvedic treatment in health insurance easily.
4. Which treatment is not covered under health insurance?
Treatments like cosmetic surgeries, liposuction, implants and similar are not covered under health insurance.
5. Who launched the AYUSH scheme?
The Ministry of Ayush launched the AYUSH Scheme on 15 September 2014
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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