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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      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

      Niva Bupa (Formerly known as 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

      See More Plans

      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.

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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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