Is Ayurvedic Treatment Covered in Insurance?

With increasing awareness about overall welfare and traditional treatment methods, many people in India are turning to Ayurveda for managing chronic and lifestyle related diseases. But a common question arises – is Ayurvedic treatment covered under health insurance policies? 

The short answer is: Yes, many health insurance schemes in India now cover Ayurvedic remedies under the umbrella of Ayush (Ayurveda, Yoga and Naturopathy, Greek, Siddha and Homeopathy). 

What is AYUSH Coverage?  

Insurance Regulatory and Development Authority of India (IRDAI) said in 2013 that health insurance policies may include coverage for AYUSH treatment, provided that they are done in centers recognized by the government recognized hospitals or National Accreditation Board (NABH) or equivalent. This means that if you undergo Ayurvedic treatment in a certified and recognized feature, your insurance provider can reimburse the costs under the terms of the policy. 

Key Points to Know:  

• Claims to be processed under Ayurvedic treatment require hospitalization.  
• Treatment should be taken to a recognized Ayush Hospital or Center approved by the insurer.

• Coverage is usually included in comprehensive health insurance policies or introduced as an ad-on profit.  
• Some insurers have a cap or sub-limit on the amount reimbursed for AYUSH treatment.  
• Outpattle (OPD) treatment is usually not covered until clearly mentioned.  
 

Popular Insurance Companies Offering AYUSH Cover:  

Several major insurers provide AYUSH benefits, such as:  

• Star Health Insurance  

• HDFC ERGO  

• ICICI Lombard  

• Niva Bupa  

• Care Health Insurance  

Always read your policy document or consult with your insurer to understand the extent of Ayurvedic treatment coverage.  

Conclusion:  

Ayurvedic treatment in mainstream healthcare financing in India is being rapidly recognized. If you are someone who likes natural, overall therapy, then choosing a health insurance policy with Ayush coverage can be a smart and financially sound move. Before selecting treatment, always ensure that the hospital or center is approved by your insurer and maintains appropriate documents to facilitate easy claims. 

Disclaimer:  

(The views expressed are solely on the basis of research. Indiagnostic shall not be responsible for any damage caused to any person/organization directly or indirectly).