AYUSH treatment in health insurance coverage: Check benefits and features

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 refers to in-patient hospitalisation treatment through traditional Indian medicine such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy. These traditional health and wellness treatments are affordable and can be effective. 

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

Here is why AYUSH treatment coverage in health insurance is essential.

• It allows you to explore holistic treatment through traditional Indian medicines.

• It covers medical expenses for treatments in Ayurveda, Yoga and Naturopathy, Siddha, Unani, and Homeopathy, apart from allopathy treatments.

• It can be helpful towards preventive healthcare and wellness.

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 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.

• Pre and post-hospitalisation expenses.

• 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.

Frequently asked questions

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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