AYUSH Health Insurance

What Is Ayush Health Insurance?

AYUSH health insurance or AYUSH cover is also known as Ayurveda, Yoga, Unani, Siddha and Homeopathy cover. Check importance, benefits, inclusions, exclusions and more. 

Under AYUSH cover, expenses incurred for inpatient Ayurveda, Yoga, Unani, Siddha and Homeopathy hospitalization of the policyholder are taken care of by the health insurance company. Under AYUSH cover in health insurance, a policyholder can cover Ayurveda, Yoga, Unani, Siddha and Homeopathy treatments, which are allopathic science alternatives. The expenses under AYUSH treatment, therapy and drugs are reimbursed to the policyholder. 

AYUSH is a part of the Indian government. AYUSH treatments are performed with regards to natural ailments, however, for treatment of specific diseases and maintenance of overall health drug therapies are performed. It must be noted that the drugs used are made using natural ingredients, which make it easy for the body to absorb them, benefit, with no side effects. 

It was in 2013, when the Insurance Regulatory Development Authority of India (IRDAI) asked health insurance companies to provide cover for Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH) treatments. After modification in IRDAI rules, many health insurance companies have started covering AYUSH treatments, especially for insured family members who are 60 years and above. 

Importance of AYUSH Cover

In the past few years, people have made the switch from conventional medicines to alternate treatments like Homeopathy, Ayurveda, and Yoga. To draw the attention of more people towards the natural ways of treatment, health insurance companies have started to provide AYUSH cover as a crucial part of their policy. 

Policyholders who believe in the power of alternate treatments must go with health insurance covering AYUSH treatment. After all, AYUSH cover plays a significant role in:

  • Pre-existing health conditions
  • Rural healthcare system
  • Untreatable diseases
  • Soft therapy 
  • Rejuvenation 
  • Mental healthcare
  • Healthy sexual life

Benefits of AYUSH Cover 

The prime benefits of availing a health insurance policy with AYUSH cover are:

  • Natural form of medicine with a more holistic approach to healthcare.
  • Emphasizes in-depth resolution of the ailment and overall wellness rather than offering short-term relief.
  • Negligible to no side-effects due to the easy absorption of ingredients by the body.
  • One of the best alternative treatment options available for the elderly who cannot afford to bear the side effects of traditional treatment and medicines. 
  • Easy to deal with lifestyle issues like drug abuse & tobacco addiction.
  • Lifestyle diseases such as diabetes and hypertension can be tackled using AYUSH treatment.

What Does AYUSH Treatment Cover?

List of things covered under AYUSH treatment include:

  • Expenses incurred for in-patient treatment taken under Ayurveda, Yoga, Unani, Siddha and Homeopathy.
  • Enrolment fees paid by the policyholder to Yoga institutes in the state and as part of preventive wellness add-on (fees is reimbursed).

P.S. To become eligible for claim, the policyholder must undergo the AYUSH treatment in a government hospital accredited by the Quality Council of India or National Accreditation Board on Health.

What Does AYUSH Treatment Not Cover?

AYUSH treatment does not cover: 

  • Any hospitalization with less than 24 hours time period.
  • Pre & post hospitalization expenses, day care procedure, outpatient medical expenses under alternative treatment
  • Medically unnecessary preventive/rejuvenation treatments

Why You Should Choose Health Insurance With AYUSH Treatment Cover?

A few reasons why one should choose health insurance with AYUSH cover include:

  • Highly-effective treatment.
  • Cost-effective as compared to allopathic treatment. 
  • Cover provided at all the locations, treatment is widely available.
  • The only treatment option available at some places.
  • Senior citizens should have AYUSH cover along with basic health insurance.

Conditions Associated With the Purchase of AYUSH Cover in Health Insurance

Ayurvedic treatment expenses under AYUSH treatment are covered if the treatment is taken at a center that qualifies under AYUSH treatment in health insurance as per the IRDAI.

The type of centers that qualify under this condition include:

  1. Teaching hospitals of AYUSH colleges that are recognized by Central Council of Indian Medicine and Central Council of Homeopathy.

  2. AYUSH hospitals having registration with Government authority under appropriate Act in the state/union territories and complies with the following as minimum criteria:
  • A minimum of 15 in-patient beds
  • A minimum of 5 qualified and registered AYUSH Doctors
  • Qualified paramedical staff available all the time
  • Dedicated AYUSH therapy sections
  • Patients’s daily record maintenance and made accessible to authorized personnel of the insurance company
  • More than 24 hours of hospitalization in a recognized hospital

10 Best Health Insurance Companies Providing AYUSH Cover In Health Insurance 

When looking forward to availing AYUSH cover in health insurance, make sure you refer to the below mentioned list of 10 best health insurance companies that provide the same. 

Take note that all the 10 health insurance companies have been ranked based on Claim Settlement Ratio (CSR) for the year ended March, 2019. 

Health Insurance Company 

Claim Settlement Ratio

Policy Name Offering AYUSH Cover

Iffco Tokio 

96.57%

Individual Health Protector Policy 

Magma HDI

96.41%

OneHealth Insurance Policy

New India Assurance 

95.92%

Senior Citizen Mediclaim Policy

Oriental Insurance

94.28%

Super Top Up Plan

Bajaj Allianz 

93.68%

Health Guard Policy

Care 

92.83%

Care Policy

Manipal Cigna 

89.50%

ProHealth Plus Plan

National Insurance 

85.47%

National Mediclaim Plus Policy

Max Bupa 

84.15%

Health Companion

Digit 

83.08%

Health Plus Policy

 

(CSR As Per IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th Edition)

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Health Insurance Ayush Health Insurance FAQs

  • Can I avail Ayush benefit under cashless claim?

    You can avail Ayush treatment in cashless form if the hospital is a part of the network mentioned by the health insurance company. To check the same, it would be better to contact the health insurance company and get a list of hospitals that provide the service.

  • Does Ayush cover include consultation or evaluation expenses?

    No, consultation or evaluation expenses for Ayush treatment are not provided cover for. The patient needs to be hospitalized for at least 24 hours to make a claim. 

  • Does Ayush cover provide for spa and massage procedures?

    No, Ayush treatment does not provide cover for spa and massage procedures. 

  • Is Ayush cover beneficial for life-threatening diseases such as Cancer?

    Yes, Ayush treatment is recommended for critical illnesses as well as lifestyle ailments like diabetes and hypertension.

  • How many Ayush hospitals are there in India?

    In India, there are more than 35 Ayush accredited hospitals that offer authentic and reliable treatments.

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