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AYUSH Health Insurance Benefits
AYUSH is an abbreviation for Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy. It is an alternative medical treatment system that uses drugs and medicines made from natural ingredients making it easy for the body to absorb with minimal to no side effects. Many people are opting for AYUSH treatment and therefore, the IRDAI has modified its guidelines to allow health insurance companies to cover AYUSH treatment. Read on to know the benefits of AYUSH Health Insurance.
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- AYUSH Health Insurance Benefits
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.
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:
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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.
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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.
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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.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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