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AYUSH Treatment Benefits In Health Insurance

Published On Jan 29, 2022, Updated On Feb 01, 2022

In India, traditional or alternative medicine has a long and illustrious history. While mainstream medicine is widely used, traditional therapy remains a popular alternative medicine. According to the National Sample Report Organisation (NSSO) survey, those living in metropolitan towns and places have seized the lead over persons living in rural areas who use conventional therapy.

The Insurance Regulatory and Development Authority of India (IRDAI) urged health insurance carriers in 2013 to include AYUSH coverage in their various health insurance packages. The IRDAI took this action in response to the desire for alternative therapy among Indians. To know more about AYUSH Treatment Benefits In Health Insurance, read on.

AYUSH Treatment Benefits In Health Insurance

What Is Exactly AYUSH Treatment?

AYUSH therapy is a type of healthcare system that uses alternative medicine or treatment. AYUSH medical treatment involves pharmacological therapy for all types of ailments as well as preserving an individual's general health.

When the government of India established the AYUSH ministry to study and facilitate and encourage traditional medicine in the nation, the abbreviation AYUSH was born. Following the IRDAI mandate, numerous insurers, including ACKO, now provide AYUSH therapy coverage in health insurance (Aarogya Sanjeevani Policy).

AYUSH Treatment Coverage Under Health Insurance

Over time, there has been a progressive trend away from allopathy and toward traditional therapies such as Ayurveda, Homoeopathy, Yoga, Naturopathy, and so on. To support this trend, health insurance firms offer treatment coverage as part of their health insurance policy. If you are seeking AYUSH insurance coverage, the section below will explain how contemporary health insurance policies accept alternative medicine and therapy.

Things To Remember About AYUSH Treatment

Following are some listed things that one should remember about AYUSH Treatment -

  1. Despite the fact that many health insurance firms provide Ayush treatment coverage as part of their health insurance policies, there will still be numerous insurers that have not incorporated this benefit. So, if you want to get Ayush treatment, make absolutely sure you get the correct policy that includes Ayush coverage.
  2. Several health insurance providers present various requirements that consumers must meet before claiming the Ayush benefit. Before investing in an insurance, make sure you are thoroughly informed of such conditions.
  3. When filing a claim for Ayush treatment coverage, you may discover a particular restriction on the amount, which might also come as a surprise to you at the moment. Before selecting a health insurance policy that includes coverage for Ayush therapy, it is recommended that you thoroughly read the policy wordings.
  4. When selecting a health insurance plan that includes Ayush therapy, you may encounter an extra premium cost.
  5. Remember to factor in this extra cost so that you are not caught off guard at the last minute.
  6. Only by enrolling in a regular plan will you be covered for Ayush therapy. So, if you are seeking for a specialised plan that provides alternative therapy, it is advisable to opt for a basic health policy that includes Ayush coverage.

Why Should A Person Choose AYUSH Treatment?

The therapy is really successful. Ayush therapy is fairly inexpensive. People in various parts of India may readily obtain the insurance. In fact, in very distant places, alternative medicine may be the sole therapeutic option available to the general public. One of the most effective alternative therapies for the elderly. It enables you to easily transition from conventional to alternative treatment without having to worry about expenses. It provides a comprehensive approach to healthcare, covering gaps in traditional medical services.


In recent years, there has been a movement in people's thinking in which they have begun to consider alternative remedies such as Yoga, Ayurveda, Homoeopathy, and so on in addition to traditional treatment. To assist this, health insurance firms have begun to include AYUSH therapy as part of their standard health insurance coverage.

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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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