Ayurveda sure has a long tradition behind it and have been originated in India. Ayurvedic medicines have been treating illnesses for decades now. Over the past few years, we have seen an increase in the awareness of medical insurance, as the number of illnesses keeps increasing. The basic health plan must cover expenses for hospitalization incurred during the treatment procedure. However, health insurers have also realized how important and necessary traditional and alternative medicines are such as Homeopathy, Ayurveda, Unani, etc. and have become a part of health insurance plans
The role of health insurance
Most of the people in India go for Ayurvedic medicines for treatment from various illnesses. These are plant-based medicines, and since they’re completely natural, many people trust these ancient and clean treatments. Earlier, a few health insurance providers covered homeopathy treatments under a group health insurance scheme but were somehow unavailable for individual plans. However, now this type of cover has changed.
Today, most insurers are including the traditional medicines across all types of health insurance
plans. To claim this treatment, you must be hospitalized for more than 24 hours in a recognized hospital. More and more health insurance companies are covering Ayurveda, but other traditional medicines such as Unani, Naturopathy, etc. are not covered yet under health plans. The option of purchasing standalone traditional medicine cover is not available for now, but you can buy this with the standard health insurance policies.
The cost to take up Ayurvedic treatment
An important point to note would be that insurance providers have included AYUSH treatments under the existing coverage of their policies. Therefore, you are not required to pay any additional charges but only the stipulated premium amount. However, the expenses for such treatments are extended up to a maximum limit as specified by your insurer. These details vary as per the terms and conditions of the policy.
Many individuals have faith in alternate medicine and think of it as the basis of the healthcare system. It has proven to have a great impact on the prevention of illnesses and has also gained popularity in western culture. If you are someone who firmly believes that alternative treatments such as Ayurveda will benefit you, make sure your policy covers the same. Before you finalize on which health plan to purchase, check the treatments that are covered under your healthcare plan. Later, if you wish you can avail treatments like these for your family as well through a family health insurance
Let us now look into the Ayurvedic / Homeopathic Hospitalization Expenses and what all is included (based on coverage mentioned in policy):
- Nursing care
- Required medical, consumables and drugs
- Rent for a room, boarding expenses
- Fees for Consultation
- Homeopathic as well as Ayurvedic treatment procedures
In the past few years, an alternative treatment has gained popularity. Whether you prefer Ayurveda or Yoga, make sure you have invested in an adequate health insurance plan that will provide you with the necessary coverage when the need arises. New health insurance plans are covering traditional medicines but there can be exclusions as well that must be checked before purchasing a health insurance policy. Also, learn how to make the most of health insurance or natural treatment, as most of the Indian insurance providers are offering.