What is Ayush in health insurance?

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AYUSH in health insurance refers to medical treatments taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy. These treatments are alternatives to allopathic medicines and are covered under the Ayush. The AYUSH systems are recognised and regulated by the Indian government and were established to promote the development of AYUSH sciences as a traditional medical system.


Nowadays, many individuals choose AYUSH treatment as this treatment is known to be highly effective. The Insurance Regulatory and Development Authority of India (IRDAI) has permitted insurers to provide coverage for AYUSH treatment to the people, and many companies now offer such coverage.


What is AYUSH Treatment?


AYUSH refers to non-allopathic systems of treatment that use natural medicines and therapies to treat specific ailments and maintain good health. Ayush stands for Ayurveda, Yoga, Unani, Siddha, and Homoeopathy. All five elements are based on the concept of naturally treating ailments.


Who can benefit from AYUSH?


There is no particular age limit to get the benefits of Ayush Treatment. Therefore, you only need to contact your health provider and check whether AYUSH coverage can be added to your existing health insurance policy. Besides this, you can also buy a senior citizen health insurance plan that offers coverage for AYUSH treatment.


Why Should I Pick Ayush Treatment?


Here are the reasons to choose Ayush Treatment:



  • The AYUSH treatments can be highly effective for many, especially older adults.

  • The cost of AYUSH treatment is quite affordable.

  • Individuals can get treatment in almost all states or cities, as it is available throughout India.

  • Despite being a traditional treatment, individuals can easily find an AYUSH practitioner in remote areas.

  • AYUSH treatment can be a good option to treat several lifestyle diseases.

  • You can enjoy a more holistic and natural approach to healthcare.


What’s not covered?



  • AYUSH treatment costs are reimbursed only when taken at a government-approved hospital or centre.

  • Consultation, evaluation, and routine physical examination are excluded.

  • Treatment taken at non-approved facilities is not covered in Ayush.

  • Daycare treatment expenses are not covered in the coverage, unless mentioned in the policy.

  • Pre- and post-hospitalisation charges are excluded.

  • Outpatient expenses are not included.

  • Pre-existing diseases before serving the waiting period.

  • Illnesses within the first 30 days (except accidental injuries).

  • Domiciliary hospitalisation and OPD treatments are not covered.


Things to Consider Before Opting for a Policy


Before you choose AYUSH coverage, you need to look for the following things:



  • The maximum coverage limit for AYUSH treatments.

  • Carefully check the list of network hospitals or treatment centres.

  • Waiting period


Coverage for pre- and post-hospitalisation expenses is included or not.