Most of what we know about health insurance policies are about hospitalisation charges, nursing and home assistance, emergency benefits, and so on, all of them revolves around conventional treatment options. What about other treatment methods, such as Ayush? Is there such a thing as Ayush health insurance?
What is Ayush health care?
Ayush is an acronym for the alternative treatment methods of Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy. These methods are said to target the cause rather than the symptoms of the disease, with minimum side effects. They use organic substances and are more cost-effective. The Ministry of Ayush is a governmental body that promotes education and research in these indigenous systems of medicine. It was formed on 9 November 2014.
If your treatment involves any of these systems instead of the mainstream allopathic method of treatment, you should be aware of the implications in terms of health insurance. Do health insurance policies cover Ayush treatment?
Here are some things you need to know about Ayush health insurance:
With effect from 2013, the IRDAI (Insurance Regulatory Development Authority of India) ordered insurance companies to cover for Ayush treatment. So, an Ayush cover provides a cover for in-patient hospitalisation expenses. However, it does not cover mere evaluation or investigation expenses.
Ayush health insurance does ensure that in-patient services are provided for health recuperation programs, certain bodily malfunctions, follow-up or rehabilitative care, and preventive nursing care.
However, these expenses are reimbursed only if the treatment is taking place in a government hospital or in a government recognised institute. Institutes accredited by the Quality Council of India or the National Accreditation Board on Health are also eligible.
Not all health insurance companies cover Ayush in their plans. If they do, it is usually a fixed percentage of the total sum insured (7% to 25%).
It is to be noted that Naturopathy does not feature in the list of treatments covered by Ayush health insurance, although it is included in the Ministry.
You would also have to pay an extra premium compared to standard health insurance plans.
Since alternative treatment is more cost-effective than allopathy, it is a good idea to ensure that your health insurance plan covers Ayush. Even if your regular mode of treatment is allopathy, keeping your options open would help you stay covered in case you decide to switch to a different treatment method. ManipalCigna’s health insurance policies have the benefit of Ayush coverage. Head over to their website and choose a plan that suits you.