AYUSH Treatment in Health Insurance – Benefits, Coverage And Eligibility

Reasons to Select a Health Insurance Policy with AYUSH Cover

Choosing a health insurance policy that includes AYUSH health insurance can be greatly beneficial. It allows you to access holistic treatments that focus on overall well-being rather than just treating symptoms. With lower potential side effects and a focus on natural remedies, AYUSH treatments like Ayurveda, Yoga, Unani, Siddha, and Homoeopathy offer a complementary alternative to conventional medicine. This is especially valuable in rural areas where conventional medical facilities might be sparse, ensuring that all individuals have access to comprehensive healthcare options.

Importance of AYUSH Treatment Coverage in Health Insurance

Integrating AYUSH treatment into health insurance is crucial as it provides broader healthcare options and supports individuals who prefer natural and traditional healing practices. Insurance coverage for AYUSH can make these often expensive treatments more affordable and accessible. By covering various traditional treatments, health insurance policies ensure that individuals can choose the treatment paths that best suit their health needs and personal preferences without worrying about financial constraints.

What is not Covered in an AYUSH Health Insurance Policy?

While AYUSH coverage extends the benefits of traditional treatments, there are exclusions. Typically, outpatient treatments (OPD) are not covered unless specified in the policy. Treatments must be undertaken at recognised institutions either accredited by the Quality Council of India or the National Accreditation Board on Health. Furthermore, experimental treatments and those not supported by substantive documentation of efficacy may also be excluded from the coverage.

Frequently Asked Questions (FAQs)

Is it possible to get AYUSH benefits under cashless claims?

Yes, AYUSH benefits can be availed under cashless claims if the treatment is done at a network hospital that is recognized and covered under your health insurance policy.

Is hospitalization for less than 24 hours covered under the AYUSH treatment cover?

Generally, hospitalization for less than 24 hours is not covered under AYUSH treatment unless it specifically involves procedures that require inpatient care for a short duration.

What is the limit under AYUSH benefit in health insurance?

The limit under AYUSH benefit varies by insurance policy. Typically, it includes a cap on room rent and treatments, which can range from a set percentage of the sum insured to specific limits for different types of treatments.

Can I opt for AYUSH treatment coverage if I am less than 60 years old?

Yes, individuals under 60 years old can opt for an AYUSH treatment cover. There are no age restrictions for opting into AYUSH coverage in health insurance policies, as long as it is included within the scope of the policy offered.     *Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale. The information presented is not meant to be a substitute for medical advice. Any suggestions mentioned should be considered for general use only. For expert guidance on any health ailment or medical issue or any treatment/procedure, please consult a certified medical professional. Claims are subject to terms and conditions set forth under the health insurance policy.