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Why Choose Health Insurance Covering Alternative Treatment?

Updated On Feb 16, 2021

Quite often, while buying health insurance buyers forget to emphasize their policy benefits in detail. It is only later, at the time of claim that they realize that their health insurance policy included or excluded certain features as well. Alternative treatment is one of them. Since many health insurance customers are not aware of the alternative treatment feature in their policy, they are not able to make the most of the coverage being offered. If you too are looking for a health insurance policy, make sure you check your plan for coverage of the alternative treatment feature. Why? It is because it has its own benefits. Let us find out more in detail. 

Why Consider Alternative Treatment? 

In the past few years, people have switched from conventional medicines to alternate treatments. Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment are being preferred by people as they are extremely beneficial. 

To be more clear, you should choose AYUSH treatment as it: 

  • Offers a holistic approach to healthcare by covering gaps in medical services.
  • Offers healthcare that depends on a person’s overall wellbeing. 
  • Has lesser side effects 
  • Is cost-effective than other medicine forms

Why Consider Health Insurance Offering Cover for Alternative Treatment? 

The number of policyholders seeking alternative treatment has increased in the past few years and so have policies offering its cover. In order to promote the alternative treatment form, health insurance companies have started to include AYUSH treatment in their plan coverage ever since IRDAI’s rules got modified. So, if you have always believed in the power of alternative treatments, you can buy health insurance providing cover for alternative treatment. 

One of the biggest benefits that you will get by buying health insurance covering alternative treatment is that you won’t have to pay out of your own pocket if you choose to go with the natural way of treatment. 

What Is The Coverage Under AYUSH Benefits?

Under your coverage, medical expenses incurred for in-patient treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy will be included. Depending on your health insurance company and plan, you may also get reimbursement for enrolment fees given to Yoga institutes.

What AYUSH Benefits Do Not Cover?

It should always be kept in mind that AYUSH benefit provides cover for alternate treatment expenses, only when the patient undergoes treatment in a government hospital or in any institute recognised by the government. The hospital or institute can also be accredited by Quality Council of India/National Accreditation Board on Health. 

Furthermore, AYUSH benefit does not cover expenses for hospitalisation that is done for evaluation or investigation purposes only. Treatments taken at a healthcare facility that is not a hospital are also not provided cover for. 

You May Also Like To Read: 

Everything about AYUSH Treatment Coverage Benefits in Health Insurance Plans

How Aarogya Sanjeevani Policy helps us avail of the best Ayush Treatment?


The cover for alternative treatment or AYUSH benefit under a policy is highly sought after by many policy buyers. If you too prefer the natural and holistic way, go ahead and buy one of the best health insurance plans covering alternative treatment. 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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