- Health plans for AYUSH Cover
- Benefits of Ayush Treatment
- Inclusion & Exclusion
What Is AYUSH Treatment?
AYUSH comprises Ayurveda, Unani, Siddha, and Homeopathy and forms AYUSH treatment in health insurance. AYUSH treatments are alternatives to allopathic treatments. These treatments are based on medicines and drugs made from ayurvedic and natural ingredients that have minimum or no side effects on the body.
Continue reading to learn more about the benefits of AYUSH treatments
Xtraordinary Facts
Approximately 95% of rural and 96% of urban respondents know AYUSH.
Significance Of AYUSH Treatment in Indian Healthcare
India is known for its Ayurveda and other ancient medicinal knowledge. 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.
Backed by our Vedas and ancient scriptures, if used with modern-day medicine, AYUSH care has proven to be a life savior. AYUSH treatments are also a preferred alternative treatment as it has almost no side effects. Many health insurance companies are offering wide coverage for the treatments associated with AYUSH care to support AYUSH care treatments.
Eligibility Criteria to Avail Claim for AYUSH Cover
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.
AYUSH Health Insurance Plans 2025
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 |
Key Features of AYUSH Health Insurance
Highly effective for preventive care and rejuvenation purposes
It may be time-consuming but has long-lasting benefits for the human body and mind
Cost-effective as compared to allopathic treatments
Highly effective for treating lifestyle diseases such as High BP, obesity, Thyroid, and others
The treatment is widely available
AYUSH Treatment And Healthcare Today
To bring more awareness around AYUSH Treatments in healthcare the government of India formed the ‘Ministry of AYUSH’.
AYURGYAN scheme was approved from FY 2021-22 to FY 2025-26 to improve health practices through sustainable AYUSH methods as well as enhance research and development increasing global acceptance for these treatments.
A survey on ‘AYUSH’ treatments conducted by the National Sample Survey Office disclosed about 95% are aware of Ayush treatments in rural India while in urban India it has been around 96%
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.
Checklist For AYUSH Health Insurance Purchase
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 planPremiums
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
AYUSH treatments are growing in popularity along with allopathic treatments with the main focus being preventive care. A balanced combination of Yoga, Ayurveda, Homeopathy, etc, can turn many lives towards a healthier tomorrow. IRDAI and the government of India have made every effort to popularise AYUSH treatments as well as nudged many insurance providers to include such treatments in their policies. Resulting in many Health Insurance Companies providing the same in conventional health insurance policies.
if you have queries regarding AYUSH benefits, or simply want to know about health policies offering AYUSH cover connect with PolicyX experts for a 30 minute personalized call.
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
Health Insurance Companies
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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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