Allopathy is far from being the only medicinal practice in India. In fact, we have multiple alternative medicinal practices such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy. Even the Government of India formally recognizes alternative medicine and is actively promoting it under AYUSH, which is basically the abbreviation of all of the above-mentioned medicinal practices.

 

If you’re an individual who is actively undergoing treatment under AYUSH or planning to do so in the near future, you’d be glad to know that AYUSH treatment in health insurance is covered under several plans. Continue reading to find out more.

What is AYUSH health insurance?

AYUSH insurance is basically a health insurance scheme that covers various expenses in connection with procedures, treatment protocols, and medicines under alternative medicinal practices such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy.

 

Many individuals prefer to undergo AYUSH supportive therapies in addition to allopathic medicinal practices. And so, almost all insurance service providers of late have begun providing AYUSH coverage in their health insurance plans.

Significance & Need

The need and significance of AYUSH treatment cover in health insurance plans often is understated. With a large and significant number of people in India opting for alternative medicine due to the less number of side effects involved, the need for an AYUSH health insurance scheme is currently bigger than ever. And going by the trend, this need is likely to only increase further in the future.

 

That’s not all. Many individuals are of the opinion that alternative medicine is always cheaper and more cost effective than allopathic medicine. While that’s true to a large extent, depending on the disease or ailment being treated, the expenses incurred by an individual can skyrocket. This is especially true if the treatment protocol under AYUSH involves the use of rare herbs. However, a health insurance which covers AYUSH can help you tide over the expenses involved with treating an illness or ailment using alternative medicinal practices.

Why Include AYUSH Treatment in Health Insurance?

There are many reasons why AYUSH benefits in health insurance should be included. One of them is that the treatment protocols under AYUSH are less invasive and are well known to produce stellar results for individuals suffering from minor chronic illnesses. And by including AYUSH treatment in health insurance, individuals stand to greatly benefit from the advantages offered by the insurance plans. And since the insurance plan would cover the expenses in connection with the treatments under AYUSH, the financial burden will also be significantly reduced.

 

Another compelling reason is that AYUSH is no longer not formally recognized. The Government of India, by establishing the Ministry of AYUSH and bringing it under the National Board of Hospitals (NABH) has given alternative medicine the much needed recognition. In fact, there are many dedicated AYUSH hospitals providing treatment and care.

 

Thirdly, AYUSH treatment protocols are known to work well when used supplementarily along with allopathic medicine. For instance, you can go for AYUSH after undergoing major treatments and surgeries under allopathy. This allows you to manage your post-treatment symptoms in a much better manner by helping your body heal better and faster.

 

And finally, AYUSH treatments are better suited for elderly and weak individuals than allopathic medicine due to them being relatively milder. So, if you plan to take health insurance for senior citizens or elderly individuals, including AYUSH coverage in health insurance may just be the right thing to do.

Things to Remember

Now that you know everything about AYUSH insurance, let’s take a look at a few things that you should remember when opting for one.

 

Ensure that your health insurance plan covers AYUSH

Firstly, although many health insurance plans from different service providers offer coverage to AYUSH treatments, there are a few that don’t. Therefore, it is advisable to read through the policy documentation thoroughly to ensure that the health insurance policy that you’re looking to purchase includes coverage for AYUSH.

Determine the extent of cover

Secondly, while there is health insurance which covers ayush, many of them only provide limited coverage. So, this is something that you should look at when purchasing an AYUSH health insurance plan. Ideally, look for health insurance that offers full coverage (to the extent of the sum insured) to AYUSH treatments.

Be aware of the terms and conditions of your AYUSH health plan

Your AYUSH treatments may only be covered if they are availed from certain recognised institutions or hospitals. To understand which centres and institutions are covered, you need to go through the terms and conditions of your health insurance plan thoroughly. In case you avail an AYUSH treatment from an unrecognised centre, your insurance provider will not compensate you for the costs incurred.

Conclusion

So, there you have it - everything you need to know about AYUSH coverage in health insurance. AYUSH as a treatment methodology is still in its nascent stage in India in terms of adoption. With individuals opting for alternative medicine increasing steadily, the popularity of AYUSH is also likely to go up in the future.

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FAQs on AYUSH Health Insurance

  • ✔️Can you avail cashless claims under an AYUSH health insurance scheme?

    Yes. If the hospital where you’re undergoing AYUSH treatments comes under the list of network hospitals, you can avail cashless claims.  

  • ✔️Is treatment from all AYUSH healthcare practitioners covered under AYUSH insurance?

    No. To be covered under the AYUSH health insurance scheme, you should undergo treatment with a registered AYUSH health care practitioner who is certified by the Quality Council of India of National Accreditation.  

  • ✔️Do all health insurance plans come with AYUSH treatment cover?

    No. Although many health insurance plans do cover AYUSH treatment, there are quite a few that don’t. Always make sure to read through the policy document before purchasing a health insurance plan to ensure that it provides coverage to AYUSH treatments.

  • ✔️Is AYUSH recognized by the Government of India?

    Yes. The Government of India formally recognizes AYUSH as an alternative medicine. It has even set up a Ministry for AYUSH and has brought it under the National Board of Hospitals (NABH).

  • ✔️Is there a limit to the coverage provided for AYUSH treatment in health insurance plans?

    The coverage limit depends on the kind of AYUSH health insurance plan that you opt for. Some plans provide full coverage (up to the sum insured), while others may specify certain limits. Check the policy document thoroughly for more information.