What is Ayush Health Insurance?

AYUSH is an acronym for Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy. These are alternative medicinal practices recognised and promoted by the Government of India. 

 

AYUSH health insurance is a health insurance plan that offers financial coverage for treatments and procedures carried out under these alternative medicinal practices. To get this coverage, you must undergo in-patient treatments in approved and registered AYUSH centres. 

 

AYUSH health insurance comes with several exclusions as well. These include treatment at non-government approved centres, check up and evaluation costs, preventive and regenerative treatments that are not medically required, and day care treatments.  

 

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Benefits of AYUSH Health Insurance

Here are some key advantages of opting for health insurance which covers AYUSH treatment:

 

  • The insured individual gets the opportunity to avail coverage where conventional medical practice falls short.

  • With AYUSH health insurance, policyholders can opt for overall care and treatment of their ailment due to alternative treatment which has a more holistic approach.

  • Numerous chronic illnesses can be managed with AYUSH treatment while being pocket-friendly through medical coverage as compared to other medical practices.

  • AYUSH health cover provides policyholders with the option to choose between allopathy and alternative treatment based on their medical requirements.

Health Insurance Plans Offering AYUSH Treatment

Health insurance policies on Bajaj MARKETS provide AYUSH cover to help enhance your insurance plan! Offering wide coverage along with alternative treatment, the health plans on Bajaj MARKETS are also budget-friendly. So, here are some AYUSH health insurance plans that you should consider while securing your healthcare needs:

Health Insurance Plans Available

Features

AYUSH Cover

Premiums Starting at*

(without GST)

Check Plans

Bajaj Allianz Health Guard

Over 6,500+ network hospitals

Sum insured options range from ₹2 Lakhs - ₹50 Lakhs

In-house claim settlement

Covered up to a sum of ₹20,000 per policy year

₹3,200

Aditya Birla Activ Assure Diamond Plan

Over 6,000+ network hospitals

Sum insured options range from ₹4 Lakh - ₹2 Crore

In-house claim settlement

Covered as per the sum insured of the policy

₹3,294

CARE Health Insurance Plan

Over 5,050+ network hospitals

Sum insured options up to ₹50 Lakhs

In-house claim settlement

Covered for both individual and family health plans

₹4,472

Disclaimer: *Premium rates are indicative. The actual premium might change depending on numerous factors.

What’s Covered Under AYUSH Health Insurance

  • In-patient treatment expenses incurred under Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy.

  • Any healthcare treatment taken at registered AYUSH centres.

What’s Not Covered Under AYUSH Health Insurance

  • Any AYUSH treatment cost incurred at hospitals other than government-approved centres or hospitals.

  • Expenses related to check-ups or evaluation of the insured’s health under AYUSH cover.

  • Pre and post hospitalisation expenses, OPD treatment or daycare procedures which are not related to AYUSH treatment may not be covered under AYUSH cover. However, this may vary based on your insurance policy.

  • Any expenses resulting from hospitalisation for less than 24 hours.

  • Rejuvenation or preventive treatments that aren’t medically required are not included in the AYUSH benefit in health insurance.

Importance of AYUSH Treatment Cover in Health Insurance

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 believe that alternative medicine is always 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, health insurance which covers AYUSH can help you tide over the expenses involved with treating an illness or ailment using alternative medicinal practices.

Conditions Associated With AYUSH Hospitals

You must know that AYUSH treatment expenses will only be covered under health insurance if the healthcare services are taken at registered AYUSH centres. Similarly, here are a few more conditions associated with AYUSH hospitals or daycare centres that you should know:

 

  1. It should be a State or a Central Government AYUSH hospital.

  2. The AYUSH centre should be a teaching hospital attached to AYUSH colleges which are recognised by the Central Council of Medicine/Central Government/Central Council for Homeopathy, etc.

  3. It must be a standalone AYUSH hospital or which is co-located with an in-patient treatment facility of any recognised medicine system, is registered with local authorities or is under the supervision of a registered AYUSH medical practitioner. Further conditions that must be fulfilled are as follows:

     

    1. Has at least 5 in-patient beds.

    2. Has dedicated AYUSH therapy sections and operation theatres where surgical procedures can be carried out.

    3. Has a qualified and registered AYUSH medical practitioner round the clock.

    4. Maintains the patient’s daily records and makes them accessible to the insurance company’s representative.

Impact of Including the AYUSH Benefit in Health Insurance

There are many reasons why AYUSH coverage in health insurance can be beneficial and should be included under your policy:

  • Enhanced Treatment

One of the key reasons to consider 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.

  • Lower Financial Burden

By opting for AYUSH treatment cover, individuals stand to greatly benefit from the advantages offered by the insurance plans. Since the health policy would cover the expenses resulting from AYUSH treatment, the financial burden will be significantly reduced.

  • Recognised by the Indian Government

Another compelling reason is that AYUSH is now formally recognised. 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.

  • Works Well With Allopathy

AYUSH therapy protocols are known to work well when used supplementarily along with allopathic medicine. For instance, you can go ahead with 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 faster.

  • Suitable for Elderly Individuals

AYUSH treatments are better suited for elderly individuals when compared to 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.

The Final Thought!

With this, you must have learnt about AYUSH health insurance in detail and understood the benefits of having the cover in your policy. With individuals opting for alternative medicine increasing steadily, the popularity of AYUSH is also likely to go up in the future. Now, you can choose health insurance plans with AYUSH cover on Bajaj MARKETS for enhanced coverage! Head over to our platform and get your hands on a suitable health policy with lucrative add-on covers today.

Best Health Insurance Plans Available at Bajaj MARKETS

FAQs Related to AYUSH Health Insurance

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

    Yes. If the hospital where you are undergoing AYUSH treatment comes under the list of network hospitals, you can raise a cashless claim.

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

    No. To be covered under the AYUSH health insurance scheme, you should undergo treatment with a registered AYUSH medical 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. So, always make sure to read through the policy document before purchasing a health insurance plan to ensure that it covers AYUSH treatments.

  • ✔️Is AYUSH recognised by the Government of India?

    Yes. The Government of India formally recognises AYUSH as 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 coverage up to the sum insured, while others may specify certain limits.