AYUSH Health Insurance Benefits

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.

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    Significance of AYUSH Health Insurance Services in India

    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.

    Health Insurance Companies Offering AYUSH Treatment

    Insurer Name

    Plan Name

    Extent of Cover Under AYUSH

    Aditya Birla Health Insurance

    Activ Assure Diamond Health Insurance

    Varies with sum insured

    View Plan

    Bajaj Allianz Health Insurance

    Almost all the plans cover AYUSH treatment

    Depends on plan

    View Plan

    Bharti AXA Health Insurance

    • Health AdvantEDGE
    • Smart Health Insurance 
    • Smart Super Health Assure 

    Varies as per the plan.

    View Plan

    Care Health Insurance

    Care

    Up to Rs.30,000 (varies as per the plan)

    View Plan

    Chola MS Health Insurance

    • Individual Health Line Plan
    • Chola Health Line Plan

    Up to 7.5% of the sum insured

    View Plan

    Digit Health Insurance

    Digit Health Care Plus

    NA

    View Plan

    Edelweiss Health Insurance

    Silver, Gold, and Platinum Health Insurance Plans

    Varies as per the plan

    View Plan

    Future Generali Health Insurance

    Health Total

    Up to the sum insured

    View Plan

    IFFCO Tokio Health Insurance

    Individual Medishield Policy

    Up to 10% of sum insured

    View Plan

    Kotak Mahindra Health Insurance

    • Group HealthCare Plan
    • Group Smart Cash Plan

    NA

    View Plan

    Liberty Health Insurance

    • Arogya Sanjeevani Policy
    • Group Health Policy
    • Hospi Cash Connect Policy

    NA

    View Plan

    Max Bupa Health Insurance

    Health Companion

    Up to the sum insured

    View Plan

    Manipal Cigna Health Insurance

    • ProHealth Plans
    • Super Top Up Plans
    • Arogya Sanjeevani Policy

    Up to the sum insured

    View Plan

    National Insurance Company

    National Mediclaim Plus Policy

    Up to the sum insured

    View Plan

    New India Assurance Health Insurance

    Senior Citizen Mediclaim Policy

    Up to the sum insured

    View Plan

    Oriental Insurance Company

    Super Top Up Plan

    NA

    View Plan

    Raheja QBE Health Insurance

    Arogya Sanjeevani Policy

    Up to the sum insured

    View Plan

    Royal Sundaram Health Insurance

    • Lifeline Health
    • Family Plus

    Up to the sum insured

    View Plan

    Reliance Health Insurance

    Health Infinity Plan

    NA

    View Plan

    Star Health Insurance

    Medi Classic Insurance Policy

    Up to 25% of the sum insured and maximum of Rs.25,000 per policy period

    View Plan

    SBI Health Insurance

    • Arogya Premier Health Insurance
    • Arogya Plus Policy

    NA

    View Plan

    Tata AIG Health Insurance

    MediCare Policy

    NA

    View Plan

    United India Health Insurance

    Individual Health Insurance Policy Platinum/ Gold/ Senior Citizen

    NA

    View Plan

    Universal Sompo Health Insurance

    Healthcare Plus Policy

    NA

    View Plan

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    Disclaimer: *Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

    Reasons to Select a Health Insurance Policy with AYUSH Cover

    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:

    • It is a highly effective treatment especially in managing health and non-surgical or non-invasive treatments. So, if you have a minor or persistent health issue, AYUSH can be a good choice for you.
    • The AYUSH treatment cost is very low when it is compared to the cost of mainstream medical treatment. There are many reasons behind this but one of the major reasons is the low licensing and patenting costs.
    • Being traditional treatment, finding an AYUSH practitioner in remote areas, where no big hospitals available, is very easy.
    • These treatments are highly effective for elderly people. This is because with old age, the capacity of the human body to withstand the rigor the mainstream medical treatment also goes down. Under such conditions, a milder treatment approach with milder medicines is suitable for many people. Since the medicines under AYUSH treatment are milder so, it is better suited for older people.
    • AYUSH treatment works well for lifestyle disease, which is the most common problem of the current time with people of all age groups. Due to sitting jobs, people are suffering from back pain, obesity, etc. and AYUSH treatment is good in dealing with all these issues.
    • Another reason for selecting AYUSH treatment as an option is its facility of covering a vast array of treatment choices. These are simple yet effective treatments for mild health issues. Moreover, sometimes these treatments at an early stage of some critical diseases have also shown successful results.

    AYUSH Treatment in Healthcare Services Today

    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.

    The Impact of Including AYUSH Treatment in Health Insurance

    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.

    FAQs:

    • Q1. Who all can get the benefits of AYUSH?

      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.

    • Q2. What is not covered in an 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.

    • Q3. Is it possible to get AYUSH benefits under cashless claims?

      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.

    Written By: PolicyBazaar - Updated: 13 July 2021
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    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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