Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹315/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*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

Looking for a Health Cover for Alternative or Traditional Treatments?

The rising stress level caused by fast-paced life is prompting people to look towards traditional treatments like Ayurveda, Unani and Homeopathy.

However, a few years back, health insurers were reluctant to cover alternative treatments. It is only allopathy that they trusted. But now slowly insurers have started including alternative treatments and this is quite a relief for policyholders looking out beyond allopathy.

 

Let’s dig deep into the health insurance coverage available for alternative or traditional treatments.

Health Coverage for Traditional Treatments

At present, there is no standalone health cover for traditional treatment. To get coverage for traditional treatment, one has to buy standard health insurance which covers non-allopathic medications. Some insurance companies also offer coverage under their group health policy on request.

Where to Seek Treatment?

To get coverage for alternative treatments, the patient should have undergone treatment in either a government hospital or an institute recognized by the government. Also, patients can choose to be treated in centres, which are recognized by the QCI (Quality Council of India) and the National Accreditation Board of Health (NABH).

Exclusions of Traditional Health Cover

The following traditional treatments are not covered by the insurer-

  • Naturopathy treatments
  • Comfort treatments like steam bath, sauna, oil massages, etc.
  • Hospitalization for investigation purpose only
  • Treatment availed outside India
  • Treatment at a healthcare facility which is not a hospital

Insurers offering Alternative Treatment Coverage

At present, the following insurance companies are covering alternative medicines under different health insurance plans-

  • Bajaj Allianz:  It offers 100% cover for in-patient hospitalization for Ayurvedic/ Homeopathic treatments, without any sub-limits. 
  • Chola Individual Healthline Insurance Policy: It covers traditional treatments up to 7.5% of the sum insured and with 20% co-payment clause.
  • HDFC ERGO Health(Formerly known as Apollo Munich): It covers Ayurvedic, Unani, Siddha and Homoeopathy treatments up to Rs 50,000.
  • HDFC Ergo Health Suraksha: It pays for medical expenditure for in-patient treatment taken under Ayurveda, Unani, Siddha or Homeopathy.
  • New India Insurance Mediclaim Policy: It covers Ayurvedic/Homeopathic/Unani treatment up to 25% of sum insured
  • Star Health Insurance: It covers non-allopathic treatments up to 25% of the sum insured subject to the maximum of Rs 25,000.
  • Tata AIG MediPrime-: It offers coverage up to Rs 20,000 if the sum insured is less than Rs 5,00,000 and Rs 25,000 if the sum insured is more than Rs 5,00,000.

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

Carefully Read the Fine Print

Though the insurance coverage for traditional treatments has expanded, there are curbs on the amount and situations under which it can be availed. One should carefully verify the treatments covered by insurers to ensure the hassle-free claim settlement.    

878,254 Confirmed Cases in India*
13,660,594 Confirmed Cases worldwide*
566,915 Confirmed deaths worldwide*
Search
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Sign up for newsletter
Sign up our newsletter and get email about health plans.

You May Also Want to Know About

Best Health Insurance Plans in India 2020

Best Health Insurance Plans in India 2020

Health insurance is amongst the most intricate insurance products, as it comes with numerous riders and benefits, and hence, there are so many variants to it. The insurance marketplace nationwide is quite competitive. You must consider comparing th...
Best Health Insurance Companies in India

Best Health Insurance Companies in India

Every year, a list of top health insurance companies in India is declared which helps in taking the right insurance decision. There are few important features that help it to rate the insurance companies, such as their performances, Incurred Claim ...
Top Maternity Insurance Plans

Top Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From ho...
Health Insurance Companies in India

Health Insurance Companies in India

There are lots of options as far as health insurance companies are concerned as both public as well as private health insurance providers are offering health insurance coverage in India. Every health insurance company offers different health insura...
Top Family Health Insurance Policies in India 2020

Top Family Health Insurance Policies in India 2020

From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to adulteration. Due to this, the disease rate in India is rising drastically. Naturally, more and more people are visiting hospitals frequently. A...