Unlocking AYUSH Health Insurance Benefits

What Is Ayush Coverage In Health Insurance?

In the insurance and general context, AYUSH refers to Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. In 2013, the Insurance Regulatory and Development Authority of India (IRDAI) instructed insurance companies to provide AYUSH coverage for comprehensive and senior citizen health insurance plans.  

Suppose you are fed up with allopathic medications that don’t treat your gallbladder stones, and surgery seems to be the only way out. In that case, you can bravely try alternative treatments. Forget choosing between modern hospitals and ancient wisdom. With AYUSH covered in your health insurance, explore both worlds and get tailored treatment for your needs.    

Benefits Of Health Insurance With Ayush Treatment Cover

AYUSH medicines might feel expensive and a long-term commitment for the same. Is this pulling you back from choosing naturopathic treatments? Get your insurance shield on, and go ahead to pursue natural healing. 

Rita spends her working hours coding on her computer. Her recurring neck pain was causing her stress. Per her friend’s advice, she tried an Ayurvedic treatment that cost her ₹50,000. She felt better but this expenditure did hurt her financial planning. She thought health insurance could have covered this cost had she gotten it treated at a nearby corporate hospital. Her friend came to the rescue and guided her that the same insurance plan also covers AYUSH treatments. So, she raised the reimbursement request to her insurer and got the full claim amount settled. 

Like a network of modern hospitals, the insurance provider covers treatments you undertake under one of the authorised AYUSH practitioners. Whether in bustling Mumbai or serene Darjeeling, you can find AYUSH healthcare providers anywhere in India!

The best part is that natural solutions will have no side effects and sometimes complement your allopathy treatments very well. So, you can leverage the benefit of both worlds of medical science.

Eligibility Criteria – Who Can Buy Ayush Health Insurance?

Are you hooked on AYUSH treatment in health insurance but don’t know whether you can get it? We’ve got you covered! The AYUSH treatment door is open to all. Your pre-existing conditions are not a hindrance to AYUSH coverage either. Got diabetes or high blood pressure? Stay worry-free with AYUSH treatment covered by your insurance policy. Before diving in, review the policy documents and understand the exclusions and other criteria. The critical point to remember here is always to go to a recognised hospital or clinic if you want your insurance provider to cover the costs of AYUSH therapies.

Important Factors To Remember About/Before Ayush Coverage

After hearing your friends rave about the benefits of ancient medicine, you want to try it to resolve your medical issues too. Platforms like PhonePe provide the convenience and ease of purchasing a health insurance policy that includes AYUSH coverage.

Before purchasing AYUSH health insurance cover, remember the following things:

• Understand policy documents thoroughly to know what exactly is covered. 
• Ensure that the National Accreditation Board on Health or Quality Council of India recognises the practitioner of AYUSH wellness you opt for. 
• Check your insurer’s claim process with respect to AYUSH coverage and prepare accordingly.
• Check for limits or sub-limits with AYUSH coverage. Plan your treatments wisely to cover your natural therapy expenses.
• Check the applicable waiting period and co-payments beforehand.

Key Takeaways

The AYUSH treatment is not an alternative remedy but a wellness upgrade. Such therapies are at the forefront and centre of comprehensive health insurance benefits. With Ayush cover,  your health insurance will also cover the cost of alternative therapies. Always understand the network of approved clinics and practitioners to claim natural healing expenses.