Health Insurance Companies Offering AYUSH Treatment
| Insurer Name | Plan Name | Extent of Cover Under AYUSH |
| Aditya Birla Health Insurance | Activ Assure Diamond Health Insurance | Varies with sum insured |
| Bajaj Allianz Health Insurance | Almost all the plans cover AYUSH treatme ... | Depends on plan |
| Bharti AXA Health Insurance | Health AdvantEDGE Smart Health Insurance ... | Varies as per the plan. |
| Care Health Insurance | Care | Up to Rs.30,000 (varies as per the plan) |
What is Ayush insurance and how does it work?
AYUSH stands for Ayurveda, Yoga, Unani, Siddha and Homeopathy. Under the AYUSH the person can get cover for any of these treatments which are the alternates of allopathic sciences.
What are the advantages of AYUSH treatment?
Some of the major advantages of AYUSH treatment can be listed as follows: AYUSH treatment is relatively cheap, and it is easily accessible for people in different locations across the country. In certain remote areas, alternative treatments could be the only available modes of treatments available to the common public.
What is the AYUSH treatment sub-limit in health insurance?
AYUSH treatment has a specific sub-limit in most health insurance plans. Most insurers allocate a specific percentage of the sum insured for alternate treatments. There are also plans with a fixed amount as sub-limit for AYUSH treatment.
What are the alternative treatments covered under AYUSH?
The alternative treatments that are covered under AYUSH include Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy treatments. Taking alternative treatments in any government hospital, which is authorized by the Quality Council Of India or National Accreditation Board is eligible for AYUSH.
What is the benefit of AYUSH?
What Do AYUSH Benefits Cover? The medical expenses incurred for in-patient treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy will be covered in the policy.
What is included in AYUSH?
Meaning of word 'Ayush' In English: – Traditional & Non-Conventional Systems of Health Care and Healing Which Include Ayurveda, Yoga, Naturopathy, Unani, Siddha, Sowa-Rigpa and Homoeopathy etc.
Is Homeopathy covered by insurance?
Homeopathy is only covered by 11 percent of major insurers. Expect to pay for most homeopathic remedies out of pocket.
Who is the founder of AYUSH?
Atal Bihari VajpayeeBrainchild of Atal Bihari Vajpayee.
What is AYUSH Premium?
The Ayush Premium Mark is intended for companies who export their products and are in compliance with high manufacturing practice standards such as those set by WHO, European Commission, USA, and other countries. The Scheme is based on criteria for certification.
Can AYUSH doctors practice allopathy?
The above regulation clarifies that because Ayush Doctors do not have special qualification in allopathy they cannot be treated as allopathic practitioner.
How much does a homeopathic consultation cost?
it is common for various homeopaths to charge from $50.00 to $200.00. While fees for homeopathic care by homeopathic M.D.s tend to be similar to conventional physicians', the amount of time that homeopaths spend with their patients tends to be significantly longer.
Does insurance cover ND?
When you call your insurance company, please be sure to let them know your naturopathic doctor is a licensed primary care naturopathic physician in the state in which you reside. Many patients do get at least partial reimbursement for their visits, and standard laboratory tests are often covered by insurance.
Is cupping covered by health insurance?
Remember, most insurance companies do not cover illegal activities. This is very important if Cupping, "use of tools" or the “movement of cups” is not under your jurisdiction's scope of practice.
What does AYUSH stand for?
AYUSH is an acronym for Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. These are the six indigenous systems of medicine practiced in India.
What is AYUSH name?
Name :Ayush. Meaning :Age, Man, Long lived, One with long life, Duration of life, Long Life, One who is blessed to live long, A variant name of Aayush. Gender :Boy. Numerology :2.
How many AYUSH doctors are there in India?
There are at present over 7.7 lakh registered 'AYUSH doctors practicing in India [Ayurveda-428884 (55.4%), Unani-49566 (6.4%), Siddha-8505 (1.1%), Naturopathy-2242 (0.3%)and Homoeopathy-284471 (36.8%)] [15].
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...
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 condition...
What are AYUSH hospitals?
AYUSH hospitals are government authorised hospitals to provide treatment through alternative medicine such as Ayurveda, Yoga and naturopathy, Unani...
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 insuranc...
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 un...
What is AYUSH treatment?
AYUSH stands for Ayurveda, Yoga, Unani, Siddha and Homeopathy. Under the AYUSH the person can get cover for any of these treatments which are the alternates of allopathic sciences. AYUSH is the part of the government and for its development, AYUSH ministry was formed. It was formed to look after the development of AYUSH sciences as prevalent medicine technique. Despite a lot of efforts by Government still, the rural and urban both households are more inclined towards the allopathic treatment.
Why do people choose Ayush?
Reasons to choose Ayush treatment. There are simple reasons for why one can prefer AYUSH treatment if their health insurance covers it. The treatment may take time but is known to be highly effective. The cost of AYUSH treatment is significantly low in comparison to any kind of allopathic treatment. The cover can be provided to all the locations ...
What is Ayush ministry?
It was formed to look after the development of AYUSH sciences as prevalent medicine technique. Despite a lot of efforts by Government still, the rural and urban both households are more inclined towards the allopathic treatment.
Does IRDAI cover Ayush treatment?
After IRDAI asked the insurer to include Ayush Treatment in their medical cover there was an increase in demand and insurers launched competitive plans to increase the reach of these plans to people.
Does insurance cover yoga?
Any health insurance with the inclusion of AYUSH treatment covers all the alternate medical sciences mentioned in the policy. All the fees regarding the yoga in state and part of preventive wellness add on is also reimbursed to the person. The insurance under this benefit can range anywhere from 2500 to 20,000 depending on the plan which the person can opt for.
Does Ayush cover the cost of a check up?
AYUSH does not cover the treatment expenses that are just for the evaluation or check-up for the person. Also, treatment at a health care facility which is not approved and not a hospital is excluded.
Does senior citizen insurance cover ayush?
Elderly people prefer AYUSH treatment and thus a cover for a senior citizen should have an AYUSH cover along with it. Choose between different health insurance plans and find the best one which can suit all your need and can cover the AYUSH treatment.
What is the Coverage Extended to the Policyholder under AYUSH Benefit?
A specific percentage of the sum assured is kept by the insurance providers in order to meet the expenditure related to alternative treatments.
What are the Benefits of Health Insurance with AYUSH Treatment Cover?
You should look for health insurance with AYUSH treatment cover due to the following reasons:
Common Exclusions Under AYUSH Cover
Highlighted below are common exclusions under the AYUSH treatment cover:
Things to Remember About AYUSH Treatment
You should remember the following points regarding AYUSH cover before buying any health insurance plan:
What Is AYUSH Treatment?
AYUSH is an abbreviation for Ayurveda, Yoga, Unani, Siddha, and Homeopathy. This concert encourages the patients to get treated with the combination of conventional and modern restorative practices.
What is Ayurveda used for?
For thousands of years, Ayurveda has been used to treat several illnesses & injuries. In ancient times, it was considered one of the best ways to treat diseases and lead a healthy lifestyle.
Is Ayush treatment effective for seniors?
With growing age, the capacity of the body to withstand harsh treatments decreases. AYUSH Treatment is a milder yet an effective way to treat senior citizens.
Does insurance cover ayurvedic treatment?
With the growing demand for ayurvedic treatments, the Insurance Regulatory and Development Authority of India (IRDAI) made this mandatory for every Health Insurance provider to offer AYUSH treatment as a part of their coverage as well.
Is ayurvedic medicine effective?
Highly Effective: Though the ayurvedic treatments take time in showing the results, they are highly effective, have no side effects & eradicate the diseases from the root.
Does Ayush cover hospitalization?
Expenses related to treatments for people who visit hospitals or clinics for check-ups & diagnosis, but do not need hospitalisation; are excluded from coverage under AYUSH.
Does Quality Council of India cover hospitals?
Hospital under Quality Council of India One can also avail coverage if the treatment is available in any hospital that is accredited by the Quality Council of India.
What is the Meaning of AYUSH Treatment?
AYUSH stands for Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathy.
Why should I choose Ayush treatment?
Why should I Choose Health Insurance with AYUSH Treatment Cover? Reasons to look for health insurance with Ayush treatment cover in health insurance include: The treatment is highly effective . The cost of Ayush treatment is very low. The cover is easily available to people in different locations across India.
What is a non-allopathic insurance policy?
The policy provides coverage for inpatient hospitalization expenses incurred on non-allopathic treatment such as Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy, up to a specific sum insured. Read more at Healthline.
Why is traditional medicine used in Ayush?
The use of traditional medicine in Ayush treatment minimizes the safety issues as well as side effects that are quite common with chemical drugs.
Does Ayush offer curative care?
Ayush offers first-rate curative treatments. However, policyholders can also expect many preventive treatments that easily get incorporated into one’s life without making major lifestyle changes.
Does Complete Health Insurance cover homeopathy?
The policy provides coverage for inpatient treatment undergone for Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy on a reimbursement basis. Read more at Complete Health Insurance.
Does insurance cover Ayush?
Even though many health insurance companies are providing Ayush treatment cover under their health insurance policies, there are still many insurers who haven’t included this particular benefit. So, if looking forward to availing Ayush treatment, make sure you choose the right policy providing Ayush cover.
What is the name of the board of hospitals that is offering Ayush?
To bring more light to the treatments that come under AYUSH, the Indian government in 2014, has formed the Ministry of AYUSH and then brought the National Board of Hospitals (NABH) to start quality health standards for those hospitals that are offering AYUSH treatment also.
Does PolicyBazaar endorse insurance?
Disclaimer: *Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.
Can you use AYUSH with dialysis?
However, these therapies are backed by the ancient science of India and you may use these as supportive therapies along with mainstream treatments such as chemotherapy, dialysis, etc. In some cases, when AYUSH treatment is combined with mainstream treatment, gives remarkable results.
Is Ayush good for back pain?
AYUSH treatment works well for lifestyle disease, which is the most common problem of the current time with people of all age groups. Due to sitting jobs, people are suffering from back pain, obesity, etc. and AYUSH treatment is good in dealing with all these issues.
Does insurance cover Ayush?
along with conventional treatment. For supporting this, the health insurance companies have started providing AYUSH treatment as a part of their conventional health insurance policies.
Is Ayush a good treatment?
It is a highly effective treatment especially in managing health and non-surgical or non-invasive treatments. So, if you have a minor or persistent health issue, AYUSH can be a good choice for you.
Is AYUSH good for elderly people?
These treatments are highly effective for elderly people. This is because with old age, the capacity of the human body to withstand the rigor the mainstream medical treatment also goes down. Under such conditions, a milder treatment approach with milder medicines is suitable for many people. Since the medicines under AYUSH treatment are milder so, it is better suited for older people.
What is Ayush?
AYUSH is the acronym for Ayurveda, Yoga, Unani, Siddha and Homeopathy which offers an alternative to allopathic treatment. For developing the concept, the Ministry of Ayush was formed on 9th November 2014 for focussed attention on alternative treatments.
Is Ayush covered under a health insurance policy?
You need to read your policy terms and conditions to understand whether your policy covers the Ayush treatment. Some policies cover it others might not as per the product features offered by the insurers.
Eligibility criteria
According to IRDAI definition following are the qualified centres for Ayush treatment:
Things not covered under Ayush treatment
Generally, policies cover up to 25% of the sum insured for Ayush treatment. Arogya Sanjeevani Policy, however, covers up to the entire sum insured.
What is AYUSH Treatment
In the year 2013, IRDA, which regulates the insurance sector, issued a new guideline under which alternative treatment was also covered in health insurance policies. Cashless treatment is usually not available under this cover, but you can get the amount spent on the treatment reimbursed.
Health coverage for traditional treatments
Today, if you want to take a health policy that covers traditional treatment, then there is no separate policy available for this but alternative treatment is covered under most comprehensive health policies.
Why opt for AYUSH treatment
If you are taking a health insurance policy, which also covers AYUSH treatment, then read all the terms and conditions carefully. Below are some of the benefits of AYUSH treatment:
Where to get alternative treatment
If you want coverage under alternative treatment in your health insurance policy, then you have to get the treatment done at a government hospital or government-recognized hospital.
Claim coverage under alternative treatment in health insurance
How much coverage you will get for alternative treatment under your health insurance depends on your insurance company. Many health insurance companies cover only Ayurvedic treatment, while others cover all the treatments under AYUSH. Apart from this, there is capping in different health insurance policies regarding the treatment.
Exclusions of traditional health cover
Alternative treatment is also called alternative medicine, AYUSH treatment and traditional treatment. Under this, you will not get a claim for the following treatment:
What is the role of traditional medicine in India?
Traditional medicine plays a major role in the belief system of India. A wide section of the general public continues to use some form of traditional medicine for their everyday requirements.
Is traditional medicine still used in India?
Though not the commonly used medical treatment method, traditional medicine has made a comeback in the recent days with its increasing popularity among the present generation. With a renewed interest in traditional medicine, the government has started focusing on various research projects to revive this system in India.
Does Ayush have preventive treatment?
In addition to curative treatments, AYUSH offers plenty of preventive treatments for patients. There are ways in which a person can incorporate AYUSH treatment without making major changes in one’s lifestyle.
Is Ayush treatment cheap?
AYUSH treatment is relatively cheap, and it is easily accessible for people in different locations across the country. In certain remote areas, alternative treatments could be the only available modes of treatments available to the common public.
Does Ayush have health insurance?
Though AYUSH coverage is offered by many health insurance plans, it will be acknowledged only if the treatment is taken in government institutes or treatment centers approved by Quality Council of India or National Accreditation Board on Health.
Does insurance cover ayushu?
There are many health insurance companies that offer coverage for AYUSH treatment. Since yoga is more of a physical therapy than a medical treatment, it is not usually covered by health insurance plans. Besides ayurveda, unani, siddha, and homeopathy treatment, other alternate treatment choices like aromatherapy, acupuncture, acupressure, magnetic therapy, etc. are not usually covered by medical insurance. Before you subscribe to a health insurance cover for AYUSH treatment, you must be aware of the following things:
Is Ayush reimbursement based?
Most of the AYUSH coverage offered by insurers are reimbursement-based claims. Cashless treatment is not a common thing for alternate treatments.
