LETS TALK!

Let us call you back. Just share your number for a call back in less than 15 minutes

+91
We can’t proceed without your mobile number. Help us?
Sigh. We need the reason for call back to pick the right person for the job. Help us?
OR

Is it super urgent? Call us on our Toll Free numbers

BTW, we respond to email queries with lightening fast speed. Send email instead?

THANK YOU FOR CHOOSING COVERFOX!

Someone from the team will get back to you ASAP!

HAVE AN AMAZING DAY!

Oh! Just in case you still need our Toll free

1800 209 9970
Also schedule a callback Also send an email
THANKS!

Your Claim Assistance request has been registered with us.

We will contact you before 11am tomorrow.

If its an emergency, for immediate assistance please feel free to contact our Customer Support Unit on 1800 209 9970

Ayurvedic treatment cover from Indian health insurance companies

Alternative medicine is increasingly becoming a popular choice for treating chronic ailments. Irrespective of whether you are an ardent fan of Ayurveda or similar therapies, the chances are that you would want to consider them if they provide relief.

image title

Take the case of Rajiv. He always preferred allopathy to natural treatments — until naturopathy cured his son’s chronic ailment. The icing on the cake was that his insurance supported the cost of therapy.

IRDA regulation

Vikram, an hotelier, was on his feet for the major part of the day, thanks to the demands of the hospitality industry. When his knees started to give way, a friend suggested Ayurveda. However, Vikram’s health insurer refused to cover Ayurvedic treatment.

Vikram was unaware that in 2012–13, the Insurance Regulatory and Development Authority (IRDA) recommended that health insurance companies include alternative medicine in their scope of cover. This would also support traditional Indian methods of disease treatment.

AYUSH

The Department of Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) was born in March 2003 by the government to promote education and research in traditional Indian medicine.

The department of AYUSH led to the formation of the Ministry of AYUSH in November 2014. The department of AYUSH controls various research councils and institutes relating to non-allopathic medicine.

The AYUSH benefit:

Since AYUSH is a central government body, it is now easier for insurance providers to cover alternative medicine. You can now pick a line of treatment that suits you. AYUSH has gone a long way to restoring the faith of consumers in Indian traditional medicine besides providing a low-cost alternative.

Sandeep’s knee surgery would have cost him at least Rs. 50,000. Ayurvedic treatment for the condition cost him only Rs. 4,200 in Kerala. It is not limited to Kerala, though. He can seek further treatment in any part of India now.

Popular choices:

Here are a few companies that have embraced the change:

Chola MS Advanced Individual Health Line Plan: covers Ayurvedic treatment up to 7.5% of the sum insured.

Apollo Munich Insure Health Plan: covers alternative medicine (Ayurveda, Unani, Siddha, and Homeopathy) up to 10% of the sum insured.

HDFC Ergo Health Suraksha Plan: covers alternative medicine under AYUSH up to 20% of the sum insured.

Star Health Medi Classic Plan: covers non-allopathic treatment up to 25% of the sum insured, limited to Rs 25,000 per policy period.

New India Insurance Mediclaim policy: covers Indian traditional medicine under AYUSH up to 25% of the sum insured, claimable when treated at a government hospital.

Reluctance and exclusion:

Most insurance providers now cover traditional Indian medicine under their insurance plans. However, a few companies are yet to incorporate the change. Some of them cover only Ayurvedic therapy.

Some include alternative treatments, including Ayurveda, only to a certain extent, under specific conditions. A few days ago, Sitara opted for Unani medicine to treat her epilepsy attacks. Her insurer provided cover up to Rs. 20,000, only if she got treated in a government hospital.

While AYUSH has already led the way in alternative means of disease treatment, insurance providers have to welcome the new approach with open arms.

Talk to an expert

Health plans starting at Rs 6 / day

Please enter a valid phone number
Thanks! We will get back to you soon.

I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

Aniket Thakker
Written by Aniket Thakker
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.

Spread the love!