Check health insurance covering ayurvedic treatment? Here Are Your Options

Health insurance has evolved a lot in the past few years. At the present time, significant emphasis is given to countless insurance elements. Out of all, the Ayurvedic treatment is one that has gained immense importance in the last few years.

Health insurance for Ayurvedic treatment is a common requirement these days. To cater to the diverse Ayurveda insurance needs of individuals, health insurance companies are offering health insurance with Ayurvedic treatment benefits.

With AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy) cover, it’s easy to avail alternative medicine benefits. Since there are certain ailments that require Ayurvedic treatment, it is better for individuals to invest in the best health insurance with Ayurvedic treatment benefits or AYUSH benefits in advance. 

What is AYUSH Treatment In Health Insurance Plan?

AYUSH represents Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. Under the AYUSH cover, an individual is eligible to avail of any of the mentioned treatments which are alternatives to allopathic treatments. As AYUSH is an initiative by the Government of India, therefore, for the purpose of its development AYUSH ministry was formed. Formation of the AYUSH ministry was done to supervise the development of AYUSH sciences as recognized and rampant medical techniques. Although, the government has put immense efforts into it, yet still the urban and rural households are more leaned towards allopathic treatment.

Reasons to opt for AYUSH Health Insurance

Highlighted below are a few reasons why you should opt for AYUSH treatment with your health insurance coverage:

• The cost incurred due to AYUSH treatment is comparatively low as opposed to the cost incurred because of any type of allopathic treatment.
• AYUSH treatment is quite time-consuming but is known to be very effective.
• Cover for AYUSH treatment is available at all locations and places and therefore the accessibility of the treatment is wide.
• Most senior citizens prefer to undertake AYUSH treatment, therefore, a health insurance policy for senior citizens should constitute an AYUSH cover alongside it.
• The noteworthy thing here is that at certain locations, the alternative treatment could be the sole treatment available to people.

Benefits of Health Insurance Covering Ayurvedic Treatment

• Coverage for AYUSH treatment expenses, which are reimbursed up to the specified limit of the sum insured
• Perfect for treatments that are non-payable under the basic policy
• Beneficial for individuals suffering from chronic and lifestyle-related diseases
• The ultimate solution for policyholders allergic to allopathic drugs
• Natural treatment with low side effects and costs
• Low premiums

Best Health Insurance For Ayurvedic Treatment or AYUSH Benefits

1. Easy Health - Apollo Munich

Apollo Munich's Easy Health policy provides comprehensive coverage at affordable premium rates. The offered policy allows individual and family floater cover for sum insured levels up to Rs.50Lakh. Both individual and family floater plans come in the form of three variants, namely Standard, Exclusive, and Premium. Apart from benefits such as coverage for pre and post hospitalisation, day care procedures, and numerous others, Easy Health by Apollo Munich health insurance comes with AYUSH benefits under which medical expenses for in-patient treatment taken under Ayurveda are covered. 

Major Highlights : 

• Easy Health - Individual

i) Standard Variant

AYUSH benefit covered up to Rs.20,000 for sum insured options Rs.1Lakh, Rs.2Lakh, Rs.3Lakh, Rs.4Lakh, Rs.5Lakh, Rs.7.5Lakh, Rs.10Lakh, and Rs.15Lakh

ii) Exclusive Variant

AYUSH benefit covered up to Rs.25,000 for sum insured options Rs.3Lakh, Rs.4Lakh, Rs.5Lakh, Rs.7.5Lakh, and Rs.10Lakh 
&
AYUSH benefit covered up to Rs.50,000 for sum insured options Rs.15Lakh, Rs.20Lakh, Rs.25Lakh, and Rs.50Lakh

iii) Premium Variant

AYUSH benefit covered up to Rs.25,000 for sum insured options Rs.4Lakh, Rs.5Lakh, Rs.7.5Lakh, and Rs.10Lakh 
&
AYUSH benefit covered up to Rs.50,000 for sum insured options Rs.15Lakh, Rs.20Lakh, Rs.25Lakh, and Rs.50Lakh

• Easy Health - Family 

i) Standard Variant

AYUSH benefit covered up to Rs.20,000 for sum insured options Rs.2Lakh, Rs.3Lakh, Rs.4Lakh, Rs.5Lakh, Rs.7.5Lakh, Rs.10Lakh, and Rs.15Lakh

ii) Exclusive Variant

AYUSH benefit covered up to Rs.25,000 for sum insured options Rs.3Lakh, Rs.4Lakh, Rs.5Lakh, Rs.7.5Lakh, and Rs.10Lakh 
&
AYUSH benefit covered up to Rs.50,000 for sum insured options Rs.15Lakh, Rs.20Lakh, Rs.25Lakh, and Rs.50Lakh

iii) Premium Variant

AYUSH benefit covered up to Rs.25,000 for sum insured options Rs.4Lakh, Rs.5Lakh, Rs.7.5Lakh, and Rs.10Lakh 
&
AYUSH benefit covered up to Rs.50,000 for sum insured options Rs.15Lakh, Rs.20Lakh, Rs.25Lakh, and Rs.50Lakh

2. Medi Classic - Star Health

Star Health’s Medi Classic policy is a great option for those looking for reimbursement of hospitalisation expenses, owing to disease/illness/sickness or accidental injuries. Available for individuals as well as families, Star Health Medi Classic covers pre and post hospitalisation expenses, 101 day-care treatments, pre-existing diseases, and other medical costs. What’s more, is that non-allopathic treatments are also covered under the policy.

Major Highlights :

i. Coverage for non-allopathic treatments up to 25% of the sum insured subject to a maximum of Rs.25,000 per policy period

ii. Co-payment of 10% of each and every claim amount for insured individuals beyond 60 years at entry level and their renewal thereafter

iii. Policy term is 1 year/2 years. In the case of a two-year policy, a discount of 5% on the 2-year premium paid can be availed

iv. No claim bonus of 5% for every claim-free year up to 25%

v. Health checkup costs up to Rs.5,000 for every block of 4 claim-free years​

3. ProHealth Select - ManipalCigna

ProHealth Select by ManipalCigna is an excellent choice for individuals who depend on allopathy treatment when ill. Manipal Cigna Health Insurance plan covers in-patient medical expenses towards non-allopathy treatments such as Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy. For the sum insured up to Rs.25Lakh, AUYSH coverage is up to the limit of the sum insured. 

Major Highlights : 

i. In-patient hospitalisation covered up to 2% of the sum insured for the hospital room, up to a maximum of Rs.3000 or up to 4% of the sum insured for ICU up to a max of Rs.7000

ii. The basic cover of ProHealth Select comprises domiciliary treatment, donor expenses, restoration of the sum insured

iii. Pre & post hospitalisation along with 171 daycare procedures covered up to the full sum insured

iv. Ambulance cover up to Rs.2,000 per hospitalisation event

v. Cumulative bonus - 5% each year maximum up to 100%. This is not reduced if a claim is made under the policy

4. Health Suraksha - HDFC ERGO

Health Suraksha Insurance by HDFC ERGO is a 360-degree plan that provides maximum coverage with uninterrupted medical treatment. It covers medical expenses for in-patient treatment taken under Ayurveda, Yoga and naturopathy, Unani, Siddha, and Homeopathy. Whether on an individual or family floater basis, the Health Suraksha plan covers AYUSH benefits under its three variants, namely Silver, Gold, and Platinum. If the insured individual opts for a 10% or 20% co-pay, it is applicable on all claims admissible under AYUSH benefits. 

Major Highlights :

i. Coverage for in-patient treatment, pre & post hospitalisation expenses, domiciliary treatment, organ donor, and emergency ambulance (up to a limit of Rs.2000/Rs.3200) as per the plan opted

ii. Wide range of sum insured (from Rs.3Lakh to Rs.10Lakh)

iii. No room rent sub-limits

iv. 144 daycare procedures covered

v. Policy term - 1year/2year

5. Cholamandalam MS Insurance

• Individual Healthline 

Cholamandalam MS Insurance’s Individual Healthline Insurance comes in three variants, namely Standard, Superior, and Advanced. Individual Healthline Insurance covers 141 day care procedures, in-hospitalisation, pre & post hospitalisation expenses, and emergency ambulance expenses. 

Major Highlights : 

i. Cover for Ayurvedic treatment is available only under the Advanced variant

ii. In the Advanced Plan, policyholders can avail of Ayurvedic treatment up to a maximum of 7.5% of the sum insured with a 20% co-pay

iii. Dental OPD treatments are covered after a waiting period of 3 years with a 30% co-payment

iv. On choice of shared accommodation, Daily Cash Allowance with one-day deductible of up to Rs. 250 per day for a maximum of 7 days in Standard Plan, Rs. 500 per day for a maximum of 7 days in Superior Plan. Rs. 500 per day for a maximum of 14 days in the Advanced Plan

v. In Superior and Advanced Plans, claim for domiciliary hospitalisation up to Rs. 15% of the SI (Max. Rs.70,000) and 25% of the SI (Max. Rs.1 Lakh) can be made

• Chola Healthline

Cholamandalam MS Insurance’s Chola Healthline Insurance comes in Value Healthline, Freedom Healthline, Enrich Healthline, and Privilege Healthline variants. This plan covers in-patient hospitalisation expenses along with pre & post hospitalisation charges, in addition to AYUSH benefits. Apart from 141 listed day care procedures, domiciliary hospitalisation during one policy year for seven days, and ambulance expenses, it provides cover for donor expenses, and maternity expenses & newborn baby expenses (both under Privilege Healthline).

Major Highlights : 

i. Comprehensive plan for both individuals and families

ii. Policy term - 1year/2year/3year

iii. Co-payment of 10% only for the Value Healthline variant

iv. Health check-up plans are covered only under the Value Healthline plan

v. Discount on long-term policy purchase - 6% on 2-year policy & 12% on 3-year policy

Also Read

Health Insurance to Cover Expenses incurred on AYUSH Treatments too?​

OPD Treatment & Day Care Treatment: Find Similarities and Differences in Them​

Exclusions under AYUSH Treatment

The thing to be noted regarding AYUSH treatment is that the reimbursement of costs related to AYUSH treatment happens only at any government-authorized treatment center or hospital. The treatment costs that are only for the check-up or evaluation of an individual is not covered under AYUSH treatment. Moreover, treatment undertaken at any healthcare facility that is not approved and is not a hospital is also not covered under AYUSH treatment.

Conclusion

Alternative treatment has become extremely popular in the past few years. Whether your preferred treatment form is Ayurveda or Yoga, make it a point to invest in health insurance plans with AYUSH benefits so that you don’t have to go the extra mile when the need arises. Make the most of health insurance for a natural treatment that many Indian health insurance providers are offering without any second thoughts.