Most insurance companies have been asked, although not mandated by the Insurance Regulatory Development Authority of India (IRDAI) to cover Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH) treatment in their health policies.
While the demand for health insurance cover for AYUSH has increased, there are relatively few hospitals that cater to these. This is proving to be a major deterrent for the success of the AYUSH health insurance.
The pattern of treatment under AYUSH differs widely from allopathy and this is considered to be the major cause of confusion amongst patients as to whether or not hospitalisation is needed for reimbursement under the cover. This also creates difficulties for the insured to ask for claim under such treatment procedures.
In general, the in-patient hospitalisation expenses are covered under the AYUSH health policy. Given that allopathy is still the preferred form of treatment, most people do not opt for AYUSH cover. Moreover, most companies charge 10% higher premium for AYUSH as compared to normal health policy. However, in the ICICI Lombard Health Insurance policy, AYUSH is a part of the cover with no additional charges.
As more people turn to holistic and preventive healthcare, traditional systems like AYUSH are gaining popularity. Recognising this shift, many health insurance providers now include AYUSH treatment coverage in their policies. This addition allows policyholders to access alternative therapies without bearing high out-of-pocket expenses. Let us get to know more about this treatment.
What is AYUSH treatment?
AYUSH stands for Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy. These systems focus on natural healing, preventive care and overall wellness. Backed by the Ministry of AYUSH, they are increasingly integrated into mainstream healthcare.
Each method offers a unique approach:
- Ayurveda: Herbal treatments and lifestyle modifications
- Yoga & Naturopathy: Physical and natural therapies
- Unani and Siddha: Herbal formulations and holistic healing
- Homoeopathy: Diluted remedies for various ailments
What is covered under AYUSH treatment?
Health insurance plans offering AYUSH coverage typically include:
- In-patient hospitalisation in recognised AYUSH hospitals
- Consultation, therapy and medication expenses
- Some policies also cover pre- and post-hospitalisation costs
Coverage applies only when treatment is taken at government-approved or accredited AYUSH facilities.
Benefits of AYUSH treatment
AYUSH treatments offer numerous advantages, especially for those seeking a more natural and holistic approach to healthcare:
- Fewer side effects due to natural ingredients.
- Preventive care to manage chronic conditions early.
- Cost-effective compared to modern medical treatments.
- Personalised approach for better long-term outcomes.
Why should I choose health insurance with AYUSH treatments coverage?
Choosing a medical insurance plan that includes AYUSH coverage provides more flexibility and ensures a broader range of treatment options for you and your family.
- AYUSH coverage combines both modern treatments and traditional treatments.
- The coverage also manages certain chronic and lifestyle conditions like arthritis, asthma and stress, effectively.
- Natural AYUSH therapies are often more affordable than conventional treatments.
- Family health plans with AYUSH coverage allow members to select treatments suited to their individual health needs.
- AYUSH coverage ensures quality care at government-approved hospitals.
Conclusion
AYUSH coverage under health insurance is a smart addition for those who value natural and preventive care. The coverage also supports treatment flexibility and broader wellness while offering financial protection. When selecting medical insurance for parents, consider one that includes alternative therapies, in case they ever need them.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.