Ayush Treatment in Health Insurance
  • Health plans for AYUSH Cover
  • Benefits of Ayush Treatment
  • Inclusion & Exclusion
ayush treatment coverage benefits in health insurance plans
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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.

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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.

Top Health Insurance Plans that Cover AYUSH Treatment

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.

Unique Features

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

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.

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 InsuranceActiv Assure Diamond Health Insurance
Activ Health Platinum
Bajaj Allianz Health InsuranceAvailable almost in All Plans
Care Health InsuranceCare Plan
Cholamandalam MS Health InsuranceIndividual Health Line Plan
Chola Health Line Plan
Digit Health InsuranceDigit Health Care Plus
Future Generali Health InsuranceComprehensive Health Insurance
Health Total
HDFC ERGO Health InsuranceOptima Secure Policy
My-health Suraksha
IFFCO Tokio Health InsuranceIndividual Medishield Policy
Kotak Mahindra Health InsuranceGroup HealthCare Plan
Group Smart Cash Plan
Liberty Health InsuranceArogya Sanjeevani Policy
Group Health Policy
Hospi Cash Connect Policy
Manipal Cigna Health InsuranceProHealth Plans
Super Top Up Plans
Arogya Sanjeevani Policy
Max Bupa Health InsuranceHealth Companion
Reliance Health InsuranceHealth Infinity Plan
SBI Health InsuranceAvailable in almost all plans
Star Health InsuranceAvailable 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.

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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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.