Ayush Treatment: Check Ayush Health Insurance Plans
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India has a rich history of traditional medicine. In this regard, the Insurance Regulatory and Development Authority of India (IRDAI) has nudged all insurance companies to offer coverage for these treatments as part of their health insurance plans. AYUSH stands for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy. Read on to learn about AYUSH treatment benefits in health insurance.
What is AYUSH treatment?
AYUSH treatment encompasses alternative medicine systems like Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. These traditional approaches to health and wellness is trusted by countless individuals worldwide. They offer cost-effective solutions and minimal side effects, making them popular choices for many.
At ACKO, currently, we offer AYUSH cover through our Arogya Sanjeevani Policy and Rs. 1 crore Health Insurance Policy. Under this cover, we shall reimburse the medical expenses arising from in-patient AYUSH treatment based on the terms and conditions of the policy.
Why should I choose ACKO health insurance with AYUSH treatment cover?
Several health insurance policies in the market offer coverage for AYUSH treatment. However, ACKO not only offers coverage for AYUSH treatment but also ensures a hassle-free customer experience through our convenient digital platform. From cashless claims to quick online purchase and renewal processes, everything is streamlined.
Here are the primary benefits of the ACKO health insurance plan with AYUSH cover.
No paperwork
Zero commission (no middlemen) since you purchase the plan directly from ACKO
A quick and fast claim settlement process
24/7 customer care services to address your concerns
Instant policy
Hassle-free buying experience
Importance of AYUSH treatment coverage in health insurance
Integrating therapies like Ayurveda, Yoga, Unani, Siddha, Homeopathy (Ayush), and preventive healthcare as part of your health insurance coverage provides several unique advantages:
Holistic Healing Approach: Ayush treatments adopt a holistic approach towards wellness by combining herbal medicines, massages, diet and lifestyle changes. This is an effective solution for chronic lifestyle diseases.
Cost-Effective Care: The cost of ayurvedic, homoeopathy or Unani treatment is significantly lower compared to allopathic hospitalisation and procedures. Hence, adding Ayush cover reduces your overall health expenses.
Wider Access: With Ayush centres and practitioners available even in remote towns where hospitals are scarce, you get easy access to indigenous treatment.
Gentle Treatment for the Elderly: Ayush therapies involve gentle medicines and procedures that are well-suited for the elderly instead of strong allopathic drugs.
Manages Lifestyle Diseases: Lifestyle diseases like obesity, diabetes, arthritis, hypertension, etc., can be managed through Ayush treatments like yoga, meditation, and panchakarma.
Preventive and Curative: Some Ayush therapies help tackle diseases in their early stages and prevent deterioration. Also aids recuperation post-hospitalization.
Variety of Options: You get coverage for Ayurveda, homoeopathy, Unani, Siddha - providing you options to choose what works best for your condition.
Tax Benefits: Availing Ayush treatment under health insurance allows you to claim tax deductions under Section 80D.
Hence, the inclusion of Ayush provides comprehensive coverage catering to long-term wellness in addition to hospitalisation.
Key features and benefits of AYUSH treatment in health insurance coverage
Here are the primary features and benefits of AYUSH treatment in health insurance.
It provides financial coverage for in-patient hospitalisation for AYUSH treatments.
It addresses gaps in allopathy treatments by covering the medical costs of AYUSH treatments.
Access to dedicated AYUSH daycare centres or AYUSH hospitals for in-patient treatments.
The cost of AYUSH treatment is lower than allopathy treatment, so you may not exhaust the sum insured amount of your health insurance policy.
Eligibility criteria
Here are the eligibility criteria for health insurance cover for AYUSH treatment.
Healthcare costs incurred for in-patient hospitalisation taken under AYUSH systems of medicine at state or central government hospitals shall be covered under the policy.
Coverage for in-patient expenses incurred in AYUSH hospital accredited by the National Accreditation Board or the Quality Control of India.
In-patient hospitalisation must be for at least 24 hours.
Inclusions
Exclusions
Inclusions of AYUSH health insurance
Here are the coverage details of AYUSH health insurance.
Healthcare expenses incurred from in-patient hospitalisation treatment under AYUSH.
Medical care expenses incurred from treatment at AYUSH daycare centres (registered with the local authorities).
Exclusions of AYUSH health insurance
Following are the exclusions under AYUSH cover in health insurance.
Treatment or hospitalisation is availed outside the government-approved hospitals and centres.
Health checkups or evaluation.
Rejuvenation or preventive treatments that are not classified as medical treatment.
AYUSH daycare centres
Here are the types of daycare centres where you can avail of AYUSH treatments.
Primary health centres
Community health centres
Clinic
Dispensary
Polyclinic
Note: The above-listed daycare centres must be registered with the local authorities. They should have the facility for carrying out medical or surgical interventions and treatment procedures or both under the supervision of a registered AYUSH practitioner.
Things to remember
Here are some essential factors to consider about AYUSH treatment in health insurance.
The terms and conditions of the AYUSH cover under health insurance may vary between insurance companies. Hence, ensure you read the respective inclusions and exclusions carefully before choosing the right plan.
Check if you have to pay an extra premium for including AYUSH cover in health insurance and then decide if you want to purchase the policy.
Opt for digital insurers such as ACKO since the online processes result in a hassle-free experience.
Choose an insurer with a vast network of hospitals covering AYUSH treatment to get the best healthcare facilities.
During claims against AYUSH treatment under the health insurance plan, there could be a limit on the amount you can claim. Hence, read the policy wordings carefully before choosing the plan.
AYUSH Treatment FAQs
Here are some of the common queries about AYUSH treatment in health insurance.
What is AYUSH cover?
A health insurance plan that covers treatment through alternative medicines such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy is known as AYUSH cover.
What is the limit under AYUSH benefit in health insurance?
The limit under AYUSH benefit in health insurance depends on the insurer and the type of health insurance plan. Please read the terms and conditions of the plan before you decide to buy the policy.
What are AYUSH hospitals?
AYUSH hospitals are government authorised hospitals to provide treatment through alternative medicine such as Ayurveda, Yoga and naturopathy, Unani, Siddha and Homeopathy.
Is Ayurvedic medicine covered under health insurance?
Yes, Ayurveda medicine is covered under health insurance under the AYUSH treatment. But, check the inclusions and exclusions of the health insurance to know if Ayurvedic medicine is covered under the plan.
Can I opt for an AYUSH treatment cover if I am less than 60 years?
Yes, you can opt for an AYUSH cover if you are less than 60 years of age. But, do check the terms and conditions of the health insurance plan to understand the eligibility criteria since it can differ between insurance companies.
Under which plan does ACKO cover AYUSH treatment?
Currently, ACKO offers AYUSH cover under the Arogya Sanjeevani Policy and Rs. 1 Cr Health Insurance Plan.
Who can avail of the benefits of AYUSH treatment in health insurance?
Anyone can avail of the AYUSH cover. However, it is recommended that you opt for the cover if you are above 60 years of age. You can also opt for the cover if you insure your parents as part of the policy, or you could buy a separate Senior Citizen Health Insurance for them.
Can I avail of cashless claims for AYSUH treatment?
Yes, you can avail of cashless claims for AYUSH treatment.
What are the reasons for choosing AYUSH treatment?
Here are the primary reasons to choose AYUSH treatments.
It is known to be highly effective.
The cost of AYUSH treatment is comparatively less than allopathy treatment.
At some locations, AYUSH treatment could be the only treatment the hospital offers.
It is ideal for senior citizens and should be included in their health insurance plans.
It is known to have lesser side effects compared to allopathy treatments.
It can tackle lifestyle diseases such as diabetes and hypertension.
Can I avail of AYSUH treatment at any of ACKO’s network hospitals?
You can check our list of network hospitals that provide the facility of AYUSH treatment. These hospitals also offer cashless claims for AYUSH treatments.
Is Homeopathic medicine covered under AYUSH cover?
Yes, Homeopathy treatment is covered under the cover. Please check the terms and conditions of the policy to understand the inclusions and exclusions.
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