Unlike many other static products in the insurance market, health insurance is evolving. Typical health insurance covers hospitalization expenses incurred during the treatment procedure. However, health insurers have acknowledged the necessity of traditional and alternative medicine like Ayurveda, homoeopathy, Unani etc and included them in health insurance coverage.
*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
My name is
My number is
My name is
My number is
City Living in
Do you have an existing illness or medical history?
This helps us find plans that cover your condition and avoid claim rejection
What is your existing illness?
Select all that apply
When did you recover from Covid-19?
Some plans are available only after a certain time
In India, people prefer Ayurvedic medicines which are based on plant-based medicine and are not keen on western medicine. Since Ayurvedic treatments have their foundation in natural treatments, it becomes alluring to Indian masses. Ayurvedic, homoeopathy treatments usually were covered by a few health insurers under group health insurance scheme but unavailable for individual customers.
By including traditional medicines in individual plans, health insurers are covering a niche segment. One has to be hospitalized for more than 24 hrs in a recognized hospital to claim for the treatment taken. Also, treatment has had some positive remedial effect is also a requirement by some insurers for accepting the claim.
Ayurveda is most readily covered by new health insurance policies but the same is not true for other traditional medicines like naturopathy, Unani etc. Naturopathy is not covered under any health insurance policy.
Standalone traditional medicine cover is not available presently but only available with standard health insurance policies.
The coverage of alternative medicines is dependent on the particular insurer. Some health insurers cover only Ayurvedic treatments while some cover all of them. There is also a cap on the amount covered which usually ranges from 7.5% to 25% of Sum Assured.
Ayurveda has many treatments which are for rejuvenation of the body, which is not covered by the health insurer to avoid any misuse by the insured. The Ayurvedic treatments covered by health insurer are dependent on the health insurer.
Though traditional medicines are being covered by the new health insurance plans, there are still a few exclusions. One should verify the treatments covered before buying a particular health insurance policy
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
21 Sep 2021Adding to the insurmountable loss of life the ongoing COVID-19...
21 Sep 2021The prevalence of critical diseases in India has increased...
16 Sep 2021Every human body comes with an immune system to fight against...
15 Sep 2021Due to a hectic lifestyle leading to unnecessary stress and...
14 Sep 2021Medical emergencies are unpredictable and it brings a lot of...