AYUSH is an abbreviation used for Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy. It is an alternative treatment system offered by the healthcare industry. The drugs and medicines used under these treatments are made up of natural ingredients so that your body can absorb and accept them easily with no or minimum side effects. As a result, many people are opting for AYUSH treatment these days. Moreover, the IRDAI has also made modifications and made rules for this therapy, and now many health insurance companies are covering AYUSH treatment.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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The procedures and bio-medicines used under AYUSH treatment are obtained after robust research on the Ayurveda by our rishis thousands of years ago. Moreover, apart from Ayurveda, other therapies that are used under AYUSH treatment also provide medicines with minimal side effects. Even for some critical conditions, these therapies are proved very effective.
However, these therapies are backed by the ancient science of India and you may use these as supportive therapies along with mainstream treatments such as chemotherapy, dialysis, etc. In some cases, when AYUSH treatment is combined with mainstream treatment, gives remarkable results.
To support this many health insurance providers are offering AYUSH cover as a part of their health insurance plans.
Insurer Name |
Plan Name |
Extent of Cover Under AYUSH |
|
Aditya Birla Health Insurance |
Activ Assure Diamond Health Insurance |
Varies with sum insured |
|
Bajaj Allianz Health Insurance |
Almost all the plans cover AYUSH treatment |
Depends on plan |
|
Bharti AXA Health Insurance |
|
Varies as per the plan. |
|
Care Health Insurance |
Care |
Up to Rs.30,000 (varies as per the plan) |
|
Chola MS Health Insurance |
|
Up to 7.5% of the sum insured |
|
Digit Health Insurance |
Digit Health Care Plus |
NA |
|
Edelweiss Health Insurance |
Silver, Gold, and Platinum Health Insurance Plans |
Varies as per the plan |
|
Future Generali Health Insurance |
Health Total |
Up to the sum insured |
|
IFFCO Tokio Health Insurance |
Individual Medishield Policy |
Up to 10% of sum insured |
|
Kotak Mahindra Health Insurance |
|
NA |
|
Liberty Health Insurance |
|
NA |
|
Niva Bupa (Formerly known as Max Bupa) Health Insurance |
Health Companion |
Up to the sum insured |
|
Manipal Cigna Health Insurance |
|
Up to the sum insured |
|
National Insurance Company |
National Mediclaim Plus Policy |
Up to the sum insured |
|
New India Assurance Health Insurance |
Senior Citizen Mediclaim Policy |
Up to the sum insured |
|
Oriental Insurance Company |
Super Top Up Plan |
NA |
|
Raheja QBE Health Insurance |
Arogya Sanjeevani Policy |
Up to the sum insured |
|
Royal Sundaram Health Insurance |
|
Up to the sum insured |
|
Reliance Health Insurance |
Health Infinity Plan |
NA |
|
Star Health Insurance |
Medi Classic Insurance Policy |
Up to 25% of the sum insured and maximum of Rs.25,000 per policy period |
|
SBI Health Insurance |
|
NA |
|
Tata AIG Health Insurance |
MediCare Policy |
NA |
|
United India Health Insurance |
Individual Health Insurance Policy Platinum/ Gold/ Senior Citizen |
NA |
|
Universal Sompo Health Insurance |
Healthcare Plus Policy |
NA |
Disclaimer: *Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.
If you are thinking to buy a new health insurance plan for your family, yourself, or for your parents, then you must consider buying one that also offers AYUSH treatment benefits. Here are some of the reasons that make medical insurance with AYUSH covering the right choice for you:
To bring more light to the treatments that come under AYUSH, the Indian government in 2014, has formed the Ministry of AYUSH and then brought the National Board of Hospitals (NABH) to start quality health standards for those hospitals that are offering AYUSH treatment also.
Currently, more than 50 hospitals across India are offering AYUSH treatment.
In the past few years, there has been a shift in the thinking of people wherein they have started thinking about alternative treatments such as Yoga, Ayurveda, Homeopathy, etc. along with conventional treatment. For supporting this, the health insurance companies have started providing AYUSH treatment as a part of their conventional health insurance policies.
Ans. Anyone can opt for AYUSH benefits however, for this, he/she has to talk to his/her insurance provider and ask for integrating it in his/her existing health insurance plan. Other than this, one can also purchase a senior citizen plan that provides coverage of AYUSH treatment.
Ans. One is not eligible for claims if he/she is not hospitalized for at least 24 hours. Moreover, if you are getting treatment from a non-certified medical professional, then also you are not eligible for AYUSH treatment claims. An AYUSH healthcare practitioner should be accredited by the Quality Council of India of National Accreditation or Quality Council of India. The AYUSH benefits do not cover daycare treatment expenses, post and pre-hospitalization charges, or outpatient expenses while one is undergoing some alternative treatment.
Ans. If the hospital in which you are taking treatment under AYUSH is on the list of network hospitals of your insurance provider, you can opt for a cashless facility.