Comprehensive Health Insurance for AYUSH Treatment. Get Covered for AYUSH Treatment with Our Health Insurance Plan!
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AYUSH is an acronym for the five traditional systems of medicine widely practised in India:
These systems, practised for centuries, focus on holistic health, disease prevention, and wellness. However, finding financial support for such treatments through conventional health insurance policies has traditionally been a challenge. This is where health insurance for AYUSH comes in.
At ACKO, currently, we offer AYUSH cover through our Arogya Sanjeevani Policy and ₹ 1 crore Health Insurance Policy. Under this cover, we shall reimburse the medical expenses arising from in-patient AYUSH treatment based on the terms and conditions of the policy.
Due to increasing trends in AYUSH, insurance companies provide insurance policies for AYUSH treatments. Policyholders under these health insurance plans can access Ayurveda and Yoga treatment and other treatments that would cost policyholders a lot of money.
AYUSH health insurance plans typically cover hospitalisation costs, outpatient treatments, consultations, and medicines in government-recognised AYUSH centres. However, it’s important to note that the extent of coverage varies between insurers and specific plans. Always check the terms and conditions of the policy you are considering.
Some key features of health insurance for AYUSH include:
Several health insurance policies in the market offer coverage for AYUSH treatment. However, ACKO offers coverage for AYUSH treatment and ensures a hassle-free customer experience through our convenient digital platform. Everything is streamlined, from cashless claims to quick online purchase and renewal processes.
Here are the primary benefits of the ACKO Health Insurance Plan with AYUSH benefits:
While most health insurance policies offer coverage for AYUSH treatments, it’s essential to check the coverage limits, any exclusions, and whether outpatient consultations or specific therapies are included.
Integrating therapies like Ayurveda, Yoga, Unani, Siddha, Homeopathy (Ayush), and preventive healthcare as part of your health insurance coverage provides several unique advantages:
Ayush treatments adopt a holistic approach towards wellness by combining herbal medicines, massages, diet, and lifestyle changes. This is an effective solution for chronic lifestyle diseases.
Fee for Ayurvedic, homoeopathy or Unani medicine treatment significantly lower than allopathic hospitalisation and procedures. Hence, adding Ayush cover reduces your overall health expenses.
With Ayush centres and practitioners available even in remote towns where hospitals are scarce, you get easy access to indigenous treatment.
Ayush therapies involve gentle medicines and procedures well-suited for the elderly instead of strong allopathic drugs.
Lifestyle diseases like obesity, diabetes, arthritis, hypertension, etc., can be managed through Ayush treatments like yoga, meditation, and panchakarma.
Some Ayush therapies help tackle diseases in their early stages and prevent deterioration. It also aids recuperation post-hospitalisation.
You get coverage for Ayurveda, homoeopathy, Unani, and Siddha- which provides options to choose what works best for your condition.
Availing Ayush treatment under health insurance allows you to claim tax deductions under Section 80D.
Hence, including Ayush provides comprehensive coverage catering to long-term wellness and hospitalisation.
As the scale of healthcare expenditures increases, so does the demand for low-cost and efficacious treatment. AYUSH: Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are gaining popularity in urban or rural areas.
Policies with AYUSH benefits allow people to receive Ayurvedic care without the financial burden, ensuring that even underserved communities can access these time-tested healing methods.
The Soukya Foundation, aligned with the government’s AYUSH programme, is helping to bridge the healthcare gap in economically disadvantaged areas. Integrating AYUSH benefits with health insurance ensures that traditional treatments are within reach, improving health outcomes in rural India.
Here are the primary features and benefits of AYUSH treatment in health insurance:
It provides financial coverage for in-patient hospitalisation for AYUSH treatments.
It addresses gaps in allopathy treatments by covering the medical costs of AYUSH treatments.
Access to dedicated AYUSH daycare centres or AYUSH hospitals for in-patient treatments.
The cost of AYUSH treatment is lower than allopathy treatment, so you may not exhaust the sum insured amount of your Health Insurance Policy.
Here are the eligibility criteria for health insurance coverage for AYUSH treatment.
Healthcare costs incurred for in-patient hospitalisation taken under AYUSH systems of medicine at the state or central government hospitals shall be covered under the policy.
Coverage for in-patient expenses incurred in AYUSH hospital accredited by the National Accreditation Board or the Quality Control of India.
In-patient hospitalisation must be for at least 24 hours.
Here are the details of the coverage of AYUSH health insurance:
Here are the types of daycare centres where you can avail of AYUSH treatments.
Note: The above-listed daycare centres must be registered with the local authorities. They should have the facility to carry out medical or surgical interventions and treatment procedures under the supervision of a registered AYUSH practitioner.
It is possible to implement AYUSH treatments in a more conventional framework for the healthcare system in India. Today, mainstream public and private hospital systems all incorporate a minimum of some AYUSH-based treatments. The Indian government has set up AYUSH desks in hospitals and encouraged the modern use of traditional medicine.
The government has introduced the National AYUSH Mission (NAM) to popularise affordable AYUSH modes of treatment and expand their coverage. Therefore, earlier, there were only a few. Still, the number of AYUSH hospitals and clinics has increased in all parts of India, which has made AYUSH therapies more readily available to the common masses.
AYUSH systems of Indian medicine are gaining popularity due to increased awareness of the effectiveness of alternative treatments. Therefore, demand for insurance coverage for treatments with health insurance will rise as well. The increasing interest of people in AYUSH systems can be attributed to the changing perceptions of health and the role of conventional health insurance to fill this space,” insures’ added that health insurers are coming up with programs that offer AYUSH benefits, thus enhancing the acceptability of AYUSH.
The extension of AYUSH treatment in health insurance policies has also not influenced the lives of insured individuals and the health system. Here are some critical effects:
Many people who could not previously afford treatments like Ayurveda or Homeopathy can now do so because of insurance. This has led to a more general availability of the many services and products of alternative medicine.
In this way, health insurance companies motivate a broader vision of health, the integration of AYUSH into conventional medical treatment. This integration makes it possible for people to receive services that care for their current problems and, at the same time, help them plan for future healthy living.
Due to more health insurers offering AYUSH coverage, there has been improved consciousness about AYUSH systems of medicine. This has contributed to increased utilisation of these therapies, including stress, pain and digestive disorder-related diseases.
Numerous AYUSH systems stress preventive measures through lifestyle changes, diet modification, and herbal medicines. These therapies can only be accessed through health insurance, ensuring people take more preventive care rather than undergoing expensive surgeries one day.
When selecting a health insurance plan that includes AYUSH coverage, here are some essential factors to consider:
Find out how much risk the insurer has assumed concerning the AYUSH treatments. While some plans may be limited to a particular amount, others may provide coverage of the total amount for which the policyholder is insured.
Ensure the insurer has a network of accredited AYUSH hospitals or clinics where you can receive treatment.
Many plans cover hospitalisation, pre-treatment consultations, and post-treatment follow-ups.
Be aware of what’s not covered under the policy. Some insurers may not cover outpatient Ayurvedic treatment or over-the-counter herbal medicines.
Look for an insurer with a strong track record of claims processing, especially for AYUSH treatments, as these are still relatively new in many insurance plans.
Here are some essential factors to consider about AYUSH treatment in health insurance.
With the increased admittance of traditional healing systems such as Ayurveda, Yoga and Homeopathy, and AYUSH health insurance,
Several underlying health issues are treated through Ayurveda, and people who want to try yoga and naturopathy treatment can now find that their insurance policy covers these natural treatment processes.
Any exploration of a health insurance plan should look at the policy information, the network hospitals, and the extent of the policy cover. When you choose the right health insurance for AYUSH, you can avail yourself of traditional therapies without burning your pocket.
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