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Aug 5, 2022

AYUSH Treatment in Medical Insurance – Benefits, Coverage And Eligibility

Leaps and bounds of progress have been made in medical science over the last few decades. It has been evident that critical ailments, which once upon a time were responsible for fatalities, are now not only treated successfully but are also being diagnosed during their early stages. In recent years, there have not only been developments in medical science but also increased awareness about alternate forms of treatment. While not everyone prefers allopathic treatment, alternate forms of medicine, such as Ayurveda, Homoeopathy, Unani, etc., are sought by many. There may be different reasons for deviating from conventional medical treatments, one of which could be how natural ingredients are used in these forms of medicine. The Insurance Regulatory and Development Authority of India (IRDAI) introduced coverage for such alternative medication back in 2013. Hence, today, medical insurance has become more inclusive and covers these alternative forms of medicine. You can visit the official website of IRDAI for further details.

Meaning of AYUSH treatment

AYUSH is an abbreviation for the different alternative treatments that are covered under health insurance policies that include Ayurveda, Yoga, Unani, Siddha and Homoeopathy. As described above, these treatments rely on natural substances to treat various ailments. Since the ingredients for these forms of treatments are naturally available in the environment, it becomes easy for the human body to absorb them with low to no side effects. However, they do not completely exclude drug therapies for specific ailments.

What are the benefits of availing AYUSH treatment coverage in health insurance plans?

Here are some reasons why you must consider buying a policy with AYUSH coverage:
  • AYUSH treatment have a holistic approach to curing illness that addresses the gaps that may arise in standard medical treatments. There is a comprehensive focus on the well-being of a patient and not the illness in isolation.
  • AYUSH treatments generally may have lower side effects in comparison to allopathic treatments. Thus, such alternative treatments can be an effective way of treating these ailments and a health insurance policy ensures coverage for such treatments.
  • In rural areas, where standard medical facilities are not available, AYUSH health insurance coverage helps provide for the treatment costs.
  • Lastly, AYUSH treatments may be cost-effective too. You can compute the health insurance premiums online with the help of a nifty tool called health insurance premium calculator.
* Standard T&C Apply

What is covered in an AYUSH health insurance policy?

AYUSH treatment in health insurance policy covers the different in-patient medical expenses under the different branches of medicine, such as Ayurveda, Yoga, Unani, Siddha and Homoeopathy. However, these treatments must be availed at a government-recognised medical facility recognized by the Quality Council of India or the National Accreditation Board on Health. Only then will the compensation in your health insurance plan be paid. * Standard T&C Apply

Who is eligible to opt for a health insurance plan with AYUSH coverage?

Everyone who is eligible for a health insurance policy can opt for a plan that provides AYUSH coverage. The only condition is that the insurance company must include AYUSH coverage in their policy’s scope. * Standard T&C Apply When it comes to selecting a health insurance policy, there are different facets to understand and keep in mind.   Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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