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Does Health Insurance cover alternative treatments in India?

With the increasing trend in awareness because of its benefits, coverage for holistic treatments like Ayurveda, Ayush, Unani, etc are now widely offered by many health insurance companies.  Many lifestyle illnesses and also chronic diseases have been cured with the help of alternative treatments. Because of the increase in demand for alternate treatments, popularly known as AYUSH treatment, many health insurance companies now offer coverage for the same.

In this article let us talk about the following:

  • What are alternative health treatments in India?
  • Scope of coverage
  • Plans that offer Ayush coverage
  • What benefits of Ayush coverage?
  • Frequently asked questions

What are alternative treatments in India?

In 2013, The Insurance Regulatory and Development Authority of India (IRDA) issued new guidelines which advised health insurance companies to provide plans that cover alternative treatments. Alternative or AYUSH includes treatment like Ayurveda, homeopathy, naturopathy, Unani, and Siddha, in India.

Scope of Coverage

Although AYUSH cover is available under a health plan, the same is bundled with a comprehensive health plan. Health insurance companies solely do not offer AYUSH coverage.

Companies that offer coverage for alternative treatments

Company Name

Plan Name

Care Health Insurance

Care Plus Plan

TATA AIG Health Insurance

Medicare Policy

HDFC Ergo Health Insurance

My-health Suraksha Plan

Optima Secure Plan

Bajaj Allianz Health Insurance

Covers AYUSH in most plans

Kotak Mahindra Health Insurance

Group Smart Cash Plan

Group HealthCare Plan

Chola MS Health Insurance

Health Line Plan

Individual HealthLine Plan

Future Generali Health Insurance

Health Total Plan

Oriental Insurance Company

Super Top Up Plan

Star Health Insurance

MediClassic Insurance Plan

Bharati AXA Health Insurance

Smart Health Insurance

Smart Super Health Assure Plan

Health Advantage Plan

IIFCO Tokio Health Insurance

Individual Medishied Plan

ManipalCigna Health Insurance

Pro Health Plan

Super Top-Up Pan

New India Assurance

New India Mediclaim Policy

SBI Health Insurance

Arogya Premier Health

Arogya Plus Plan

Digit Health Insurance

Digit Health Care Plus

Universal Sampoo

Healthcare Plus Plan

Niva Bupa Health Insurance

Health Companion Plan

Apollo Munich Health Insurance

Easy Health Exclusive Plan

Relaince Health Insurance

Health Infinity Policy

What are the benefits of AYUSH cover?

Now let us discuss the advantages that you will gain from opting for an AYUSH cover.

1.) Covers different treatments

Along with covering allopathy, your plan will also pay for treatments like Ayurveda, homeopathy, Unani, Siddha, and so on, giving more options to the policyholder while deciding the line of treatment.

2.) Affordable treatment

AYUSH treatment is highly affordable compared to allopathy treatment hence it is advisable to buy a plan that provides coverage for the same.

3.) Treatment for cancer

According to proven studies, alternative treatments like Ayurveda, Siddha, etc have proved to be beneficial in the cure of cancer.

4.) Widely available

As opposed to allopathy, AYUSH treatment is easily accessible in remote areas across the country, especially in villages and small towns.

5.) Inpatient hospitalization

Expenses incurred from inpatient hospitalization under AYUSH will also be covered as per the terms and conditions of the policy.

Frequently asked questions

  • What is covered under AYUSH cover?

    Alternative and holistic treatments like Ayurveda, Yoga, Unani, homeopathy, Siddha, naturopathy, and so on is covered under the AYUSH.

  • What is not covered under AYUSH coverage?

    The following are the exclusions under Ayush:

    • Pre and post-hospitalization expenses.
    • Beauty or rejuvenation procedure.
    • Daycare procedures that require less than 24 hours of hospitalization.
  • What are the important reasons for choosing an AYUSH cover?

    The following are the valid reasons to keep in mind while opting for an Ayush cover.

    • AYUSH treatment is comparatively more affordable than allopathy treatment.
    • It is ideal for senior citizens and individuals as the chances of side effects are lesser.
    • Ayush treatment is easily obtainable in rural and urban locations.
    • Highly effective in curing ailments like high blood pressure, sugar, and also in some cases cancer.
  • Who is eligible for AYUSH health coverage?

    Everyone is eligible for coverage if the health insurance company offers its coverage under the policy’s condition.

  • How can you claim AYUSH claim settlement?

    The policyholder can avail of both cashless and reimbursement options in case of a claim.  In case the policyholder is admitted to a network hospital of the company they can avail of cashless option.

    OR

    In case the policyholder is admitted to a non-network hospital of the insurer they will have to opt for reimbursement claim settlement.

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