Health insurers cover a specialized area by incorporating traditional medicines in individual plans. To be eligible for reimbursement, one must be admitted to a recognized hospital for more than 24 hours. Some insurers also demand that treatment has had some beneficial remedial effect before they can accept the claim.
Ayurveda is the most commonly covered traditional medicine by new health insurance coverage, however this is not the case for other traditional treatments such as naturopathy, Unani, and others. There are no health insurance policies that cover naturopathy.
Traditional medicine coverage is not now accessible on its own; it is only provided as part of normal health insurance packages.
Is AYUSH treatment covered under health insurance?
In India, traditional or alternative medicine has a long and illustrious history. Traditional treatment is a popular alternative medicine, despite the popularity of Western care. According to the National Sample Survey Organisation (NSSO), persons in urban towns and areas have surpassed those in rural areas who use traditional treatment.
Because of its widespread acceptability, the Insurance Regulatory and Development Authority of India (IRDAI) advised insurers to include AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) as part of their health insurance coverage in 2013. In this post, we will discuss the benefits of AYUSH therapy in health insurance and why we should consider purchasing a health insurance plan that includes AYUSH coverage.
Can we claim for Ayurvedic treatment?
All medical expenses for AYUSH in-patient treatment will be reimbursed. Treatment must, however, take place at a government hospital or at a government-approved institute that has been accredited by the Quality Council of India/National Accreditation Board on Health (NABH).
What is AYUSH healthcare?
Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy are all part of the AYUSH healthcare system. The medicines or drugs used in AYUSH therapies are mainly made of natural substances, which the body may easily accept and absorb with little or no negative effects. As a result, many patients are seeking alternative therapies to treat their problems, making AYUSH advantages a crucial part of their entire medical care.
Note: Ayurveda, Homeopathy, Unaani, and Siddha are all covered by HDFC ERGO’s AYUSH Benefits.
What is AYUSH Benefit in Health Insurance?
Alternative therapy was not covered by health insurance for many years. Today, AYUSH is used to treat and cure a variety of diseases, as well as to improve one’s quality of life.
Many health insurance companies, such as HDFC ERGO, now provide policies that include AYUSH coverage. Treatments, therapies, and medications are all covered.
Note that HDFC ERGO only covers Ayurveda, Homeopathy, Unaani, and Siddha under its AYUSH Benefits.
Significance of AYUSH Healthcare
The bio-medicines and techniques utilized in AYUSH treatment are the result of extensive research on the Ayurvedic foundation laid thousands of years ago by the Rishis. The medications utilized in these types of treatments are noted for having few adverse effects and excellent efficacy for some of the most serious illnesses.
AYUSH, which is based on ancient science, is frequently used as a complementary treatment alongside various modern treatments such as chemotherapy and others. Patients are more likely to experience exceptional benefits and relief when they are combined. They may also be treated altogether, resulting in a healthier mind and body.
In India now, more than 35 AYUSH-accredited facilities provide legitimate and reliable therapies.
AYUSH Health Services in India
The Union Ministry of Health and Family Welfare established the Department of Indian Medicine and Homeopathy (ISM & H) in 1995, which was later renamed Department of AYUSH in 2003, in response to the rising incidence of lifestyle diseases, multidrug-resistant diseases, and other maladies.
Since then, the department has been aiming to bring Indian alternative remedies to the forefront of medicine, merging them with new methods to find answers to long-standing medical questions.
Why Should You Try AYUSH Treatment?
Integrating AYUSH treatment into your healthcare plan has various advantages. Here are some of the reasons why you should think about trying this alternative therapy.
It is a more holistic approach to healing that is based on natural medicine. Rather than providing short-term alleviation, it focuses on resolving the ailment in depth and improving overall welfare.
It has few to no negative effects because the components are quickly absorbed by the body.
For the elderly who cannot tolerate the adverse effects of regular drugs or therapies, AYUSH is an excellent therapy choice.
Alternative therapy is more cost-effective than traditional treatment. However, you should not change your treatment plan without first seeing a doctor.
FAQs about AYUSH Treatments for Health Insurance
All you have to do now is contact your insurance provider and get it integrated into your current plan. You can, however, purchase a supplemental Senior Citizen Plan that includes coverage for AYUSH treatments.
Assume you’ve included the AYUSH benefit clause in your health insurance policy.
In that instance, your insurance company will pay for any costs associated with alternative therapeutic treatments, such as Ayurveda, Unani, Siddha, and Homeopathy. To be qualified for the claim, the healthcare provider must be accredited by the Quality Council of India of National Accreditation.
If you haven’t been in the hospital for at least 24 hours, you won’t be able to file a claim. Or you’ve been receiving treatment from an unlicensed medical facility. The Quality Council of India of National Accreditation or the Quality Council of India must accredit the healthcare provider.
While you are getting alternative treatment, your AYUSH benefit does not cover claims for childcare treatments, pre- and post-hospitalization charges, or outpatient expenses.
Yes, homeopathy falls under the alternative treatment category and is eligible for AYUSH reimbursement. Your homeopathic remedies, on the other hand, are not eligible for reimbursement. In order for your claim to be approved, you must be admitted for more than 24 hours.
No, naturopathy is a type of alternative treatment that cannot be covered under HDFC ERGO’s AYUSH benefits.
If the hospital is part of the insurance provider’s network, the patient can receive treatment without having to pay any money. You should discuss this with your insurance provider and obtain a list of hospitals where you can receive this treatment.
Conclusion
AYUSH treatment is now attracting the attention of medical establishments and people all over the world who are looking for more holistic and diverse treatment options. You may now benefit from the power of Ayurveda and alternative medicines without worrying about the costs thanks to HDFC ERGO AYUSH perks. Before finalizing the policy, make sure to read all of the inclusions, exclusions, and terms and conditions.
About the Author:
Dr. Kavita Ganesh has worked in the health insurance market for over 15 years. She strongly advises purchasing health insurance to protect one’s finances in the event of a medical emergency. In light of the present pandemic crisis, she advocates for a larger insurance policy to cover the entire family.
Disclaimer: The given information is provided solely for the purpose of illustration. Before finalizing the sale, please see the policy wordings and prospectus for further information. HDFHLIP21473V052021, UID no: D2HI895, UIN my:health Suraksha HDFHLIP21473V052021, UIN my:health Suraksha HDFHLIP21473V052021, UIN my:health Sur
Does New India Assurance cover Ayurvedic treatment?
During each Policy Year, the Company will reimburse medical expenses incurred at any AYUSH Hospital for inpatient care under the Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems of medicine, up to the amount of sum covered as specified in the policy schedule.
Is Ayurveda covered by insurance in UAE?
According to a Dubai Health Authority (DHA) circular, mental health and alternative medicine treatments such as ayurveda and homoeopathy will now be included under the basic health insurance plan.
What is AYUSH benefit?
Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathy are the acronyms for Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathy.
Policyholders can receive their inpatient Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathy therapy paid by the health insurance under the Ayush treatment benefit. The Ministry of Ayurveda and Yoga in the United States of America (AYUSH) is a branch of the federal government.
Ayush treatment coverage has grown in popularity among health insurance consumers after the IRDAI asked insurers to give alternative treatment coverage in 2012-2013.
Is Ayurvedic treatment covered under Medi Assist?
Individuals undergoing treatment using the Ayurvedic, homeopathic, and Unani systems of medicine are covered by New India Assurance. Such claims will only be reimbursed up to 25% of the total sum insured. It’s vital to understand that alternative treatments aren’t covered by a stand-alone policy.