Health Insurance for Non Allophatic Treatments

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While medical science continues progressing in treating illnesses of body and mind, for some conditions conventional treatments may not provide complete relief. This is where having adequate financial protection becomes important.

Purchasing a health insurance plan can help manage medical expenses more smoothly without straining personal finances, even for therapies outside allopathic or Ayurvedic protocols. This extra support fosters greater peace of mind for patients and their caregivers during difficult health episodes.

Is buying health insurance helpful for treatments other than Allopathic or AYUSH?

It is helpful to have a health insurance policy that covers treatments other than allopathic or Ayurvedic in certain situations. Here are a few reasons why:

Genetic disorders like cystic fibrosis or blood-related illnesses have a chance of being passed down from parents to children. While mainstream medicine may not have a cure for everything, alternative therapies could help manage symptoms better. Insurance would support such treatment costs.
As people age, their health needs also change. A family floater plan protects the entire household, including senior parents and children. It ensures costly medical bills only fall partially on one's savings or income.
A Family Health Insurance plan offers comprehensive protection to the family unit. It significantly reduces out-of-pocket medical expenses should any unforeseen health situations arise.
Taxpayers can also benefit from Section 80D of the Income Tax Act by including premiums paid towards such plans. For some, this provision helps offset insurance premium costs to a certain degree every year.

Types of AYUSH treatments and are they covered under health insurance?

Following are the types of complementary therapies that exist outside conventional allopathic streams.

Homoeopathy: This field deals with highly diluted substances to stimulate the body's natural defence and healing abilities.
Naturopathy: Focused on natural wholefood nutrition, herbal remedies, hydrotherapy and massage. Common ailments it helps are lifestyle diseases, digestive disorders, and skin issues.
Acupuncture: It involves thin needles inserted at specific points. Acupuncture provides relief from arthritis, migraines, back pain and more.
Yoga and Meditation: As preventive healthcare, they are gaining prominence.

Many health insurance policies now offer coverage for alternative treatments like homoeopathy, acupuncture, Ayurveda, yoga and naturopathy in addition to allopathy, thereby giving policyholders more options to choose treatments that best suit their health needs. Comprehensive insurance plans may cover expenses for consultation fees to qualified practitioners, medication, and, in some cases, even wellness benefits like regular health check-ups. This wider scope of insurance coverage for alternative treatments provides greater financial security and improved access to healthcare.

How much does it cost to treat or manage treatment undergone other than Allopathic or AYUSH treatment?

The costs associated with alternative treatments like homoeopathy, Ayurveda, acupuncture and naturopathy can vary significantly depending on whether one seeks care in urban or rural areas.

While consultations and medications on average cost Rs. 500-1500 and Rs. 200-500 per session, respectively, in cities and villages, there are several other expenses like diagnostic tests, medicines, and hospital stays if procedures are involved.

While surgeries and essential medical treatments are largely reimbursed, insurance does not cover ancillary expenses related to attendant care, health aids or home modifications. Those additional charges have to be funded from one's resources to obtain the full benefits of complementary therapies.

How much does health insurance cost for treatment undergone other than an Allopathic or AYUSH treatment patient?

The cost of health insurance for patients undergoing alternative medical treatments can vary depending on the sum the insured opted for. While premiums for plans offering ₹10-15 lakh coverage range from Rs.8,000-15,000 annually for individuals, higher sums insured of Rs. 50 lakhs to Rs.1 crore would require paying premiums in the range of Rs.20,000-40,000 per year. However, this investment is prudent considering the potentially high costs running into several lakhs that alternative regimens may involve over many years for chronic conditions.

Other factors like age, medical history and non-tobacco status can also impact premium pricing slightly, as plans covering alternative therapies are 10-15 % costlier. But features such as cashless claiming and zero room rent restrictions ensure lower out-of-pocket expenses. Therefore, bigger safety nets deliver exceptional peace of mind against escalating therapy costs in the long run.

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Why is raising claims easier with ACKO policies?

Raising claims is more effortless with ACKO health insurance policies due to our focus on leveraging technology. As a fully digital insurer, we have developed a user-friendly app and website interfaces that allow customers to not only purchase coverage in a paperwork-free manner but also initiate and process claims electronically without any physical documentation burden. This is further facilitated by ACKO's direct integration with numerous healthcare partners, enabling us to verify claims smoothly and directly pay settlement amounts to the hospital.

Discover these unique benefits of ACKO health insurance
OPD Cover	Doctor-on-Call	Daily Hospital Cash	Second Opinion in Health Insurance	Zero Waiting Period

Wrap it up!

Securing a health insurance plan that covers treatments beyond traditional allopathic and AYUSH methodologies is essential in today's diverse healthcare landscape. These plans not only provide a safety net against the financial implications of various medical treatments but also ensure that individuals have the freedom to pursue the most suitable healthcare options without financial constraints. Choosing the right health insurance is, therefore, a pivotal step towards safeguarding one's health and financial well-being, offering peace of mind and access to a broad spectrum of medical treatments.

Frequently asked questions(FAQs)

Here are some common questions about Health Insurance for Treatment undergone other than Allopathic or AYUSH Treatment

Can Ayurveda replace allopathy?

Ayurveda cannot fully replace allopathy as they work on different principles and treat diseases differently. However, Ayurveda can be used alongside allopathy for various conditions.

Are alternative treatments like homoeopathy and acupuncture expensive to pursue without insurance?

The costs of alternative treatments can vary, but without insurance coverage, expenses for consultations, medications, and procedures can add up significantly over time, especially for chronic conditions.

How to check if my health insurance policy covers AYUSH treatment?

You can check if your health insurance policy covers AYUSH treatment by reading the coverages of the plan.

Does a Health Insurance Policy Cover Treatment undergone other than Allopathic or AYUSH Treatment?

No, most health plans do not cover treatments other than allopathic or AYUSH treatments.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.