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 AYUSH Cover
- 24 Hours HospitalisationOne needs to be hospitalized for at least 24 hours to claim coverage.
- Treatment at Government/ Government Recognised HospitalOne 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 IndiaOne can also avail coverage if the treatment is available in any hospital that is accredited by the Quality Council of India.
- Recognised AYUSH CollegesTreatments 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 AYUSH Treatment
Take a look at the below table where we have mentioned some of the Health Insurance plans that offer AYUSH Treatments. For further information, please refer to the plan brochure or get in touch directly with the Insurer.
| 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 |
Importance of Choosing Health Insurance with AYUSH benefit 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 AvailableBeing 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.
What Does AYUSH Benefit Cover?
Take a rundown of the benefits that are covered under AYUSH Treatment Cover:
- All expenses incurred due to the alternative treatments
- Expenses incurred during the in-patient treatment comprising Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
- The coverage provided may vary from Rs. 2,500 to Rs. 50,000, and sometimes even up to the base sum insured.
Exclusions of AYUSH Treatment Cover
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.
Pre & Post Hospitalisation Expenses
Expenses incurred prior to hospitalisation (Pre Hospitalisation) & post hospitalisation (Post Hospitalisation) are not covered.
Rejuvenation Procedures
The policy does not include spas, body massages or any health rejuvenation procedures, which are not medically required.
Claim Settlement
You can avail both Cashless & Reimbursement Claim under AYUSH Cover. If you're admitted to the Network Hospital, you can avail Cashless Treatment, wherein, the Insurance Company will settle the claim directly with the hospital.
If you're admitted to a Non- Network Hospitalisation, you can file a Reimbursement Claim. Primarily, you have to settle the bills with the hospital & later, after submission & verification of documents, the company will transfer the amount directly in the registered bank account.
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.
Last Updated : October, 2021
Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.