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Know about AYUSH Treatment & Benefits

Updated on April 12, 2024 , 6825 views

AYUSH, which is a short-form of Ayurveda, Yoga, Unani, Siddha and Homoeopathy, is significantly based on the concept of natural ailments. This treatment has drug therapies to cure specific ailments and preserves health. The aim of the AYUSH Treatment is to give holistic wellness by amalgamating traditional and contemporary therapeutic practices.

The Government of India has taken various measures to develop and bring AYUSH treatment. In 2014, the government formed a ministry for AYUSH. After the formation, insurance Regulatory and Development Authority (IRDA) has requested the insurance company to include AYUSH treatment in their health insurance policies.

Importance of AYUSH Treatment

AYUSH treatment is low in cost and many people actively taking the treatment because it is effective. Since it has become part of the central government, it is easy for the Insurance companies to give coverage for alternate medicine. In recent years, there has been an alteration in the conventional medicines for treatments like Homeopathy, Naturopathy and Yoga. health insurance companies have started Ayurvedic treatment as a part of the health insurance policy.

The AYUSH health insurance plan cover expenses for alternate treatments, which has been carried out in a government hospital or in any health care institute that has recognised by the Government of India. It has been approved by the Quality Council of India (QCI) and the National Accreditation Board of Health (NABH).

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Insurance Companies Offering AYUSH Treatment

Most of the health insurance companies are Offering AYUSH treatment.

The list of companies along with their plans are mentioned below:

Insurer Name	Plan Name	Details
Cholamandalam MS Insurance	Individual Health Plan Chola Healthline Plan	Coverage up to 7.5%Sum Insured for Ayurvedic treatment and the Chola Healthline plan also covers AYUSH treatment
Apollo Munich Health Insurance	Easy Health Exclusive Plan	Easy Health Exclusive Plan offers AYUSH Benefit of up to Rs.25,000 if the sum insured is between Rs.3 Lakhs and Rs.10 Lakhs.
HDFC Ergo	Health Suraksha Plan	Under this plan, AYUSH treatment expenses that policyholders acquire are paid to them by the company. The policyholder will receive an amount if the insured chooses co-pay worth 10% or 20% then also they will receive AYUSH benefit.
Star Health	Medi-Classic Insurance Policy	Medi-Classic Insurance Policy is for individual and Star Health offers AYUSH benefit up to a certain limit

Benefits of AYUSH Treatments

AYUSH treatment has a more holistic approach to healthcare. It addresses the gaps in medical services and renders health care, which focuses on an individuals well being.
It is considered as one of the best alternative treatment for senior citizens.
Some of the most severe addictions such as tobacco or drug abuse can be dealt with effectively by AYUSH treatments.
Many of the ailments have arisen in India such as diabetes, hypertension and so on, which can be tackled with AYUSH treatment.
AYUSH treatment has lesser side effects, which are more cost-effective than modern medicine.

AYUSH Benefits Covered Under Health Insurance

A certain percentage is reserved by the insurance companies to cover the expenses for the alternative treatments. The treatment is taken in any government hospital approved by the National Accreditation Board (NAB) or the Quality Council of India (QCI).

There are some health insurance companies that have defined a fixed limit for the sum insured, which can be settled under AYUSH. Some insurance companies in India offer cashless treatment and a majority of claim has reimbursed when the policyholder submits the crucial documents. To avail AYUSH treatment one should have to pay an extra premium than the amount you have paid.

For instance, ICICI Insurance Company offer reimburses enrolment fees paid by the policyholder to Yoga institutes as part of their preventive and wellness healthcare add-on. The sum insured for this benefit ranges from ₹2,500- ₹20,000 depending on the plan.

Benefits Not Covered Under AYUSH

AYUSH does not cover expenses such as -

Hospitalisation for assessment or investigation.
Hospitalisation is taken for less than 24 hours.
Daycare procedures, outpatient medical expenses under alternative treatment.
Preventive and rejuvenation treatment that is not medically required.
Spas, massages, and other health rejuvenation procedures.

Example of AYUSH Treatment

For a better understanding of this treatment, let’s take an example here-

Heena is a 45-year-old suffering from neck pain because of long working hours. Now, she is taking Ayurvedic treatment to cure her pain and the treatment cost her Rs. 50,000. And, her health insurance policy offers 20% on the total sum assured, which is Rs. 2 lakh as AYUSH cover. Now, she has to pay Rs. 10,000 for the treatment and the rest will be covered by the insurer.

Currently, some insurance companies provide coverage for traditional medicines as a part of their health insurance policy, but many of them have not included AYUSH benefits.

The majority of policies has several conditions that customer has to meet before claiming the AYUSH benefit. Additionally, there is a limit on the amount they will receive when a policyholder claims. Therefore, it a must read the policy carefully and comprehend the terms and conditions before making any claim for this treatment.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.