Alternative Treatment Insurance: A Breath of Fresh Air in Health Insurance

Team Digit, 14 Dec 2018

In the recent years, there has been a paradigm shift from conventional medicines to alternate treatments like homeopathy, Ayurveda, naturopathy etc.

To support this trend, health insurers have started offering ayurvedic treatment cover with the health insurance policy. So, if you believe in the power of alternate treatments, here’s more power to you. Here’s everything that you need to know about Ayurvedic treatment in health insurance.

What is covered under ayurvedic treatment in health insurance?

If You have opted for this cover, you will be paid for the medical expenses for your in-patient treatment, taken under Ayurveda, Unani, Siddha and Homeopathy. The limit is up to the sum insured mentioned in your policy.

Who can avail ayurvedic treatment in health insurance?

Anyone who believes in the power of alternate medicines and treatments and wants to undertake these methods to treat themselves.

What are the conditions to be kept in mind to avail Ayurvedic treatment in health insurance?

Expenses for Ayurvedic Treatment will be covered if treatment is taken in a centre that qualifies under AYUSH treatment in health insurance. This definition of a qualified centre is created by the regulator. Listed below are the kind of centres that qualify under this condition:

1. Teaching hospitals of AYUSH colleges recognised by Central Council of Indian Medicine (CCIM) and Central Council of Homeopathy (CCH)

2. AYUSH hospitals having registration with Government authority under appropriate Act in the State/UT and complies with the following as minimum criteria:

a) Has at least 15 in-patient beds

b) Has minimum 5 qualified and registered AYUSH Doctors;

c) Has qualified paramedical staff under its employment round the clock;

d) Has dedicated AYUSH therapy sections;

e) Maintains daily records of patients and makes these accessible to the insurance company’s authorized personnel;

Also, the patient should be hospitalized for more than 24 hrs in a recognized hospital to claim for the treatment taken. The treatment exhibiting some positive remedial effect, is a requirement of some insurers to accept a claim.

Is homeopathic medicine covered by health insurance?

Yes, under the alternate treatment insurance, homeopathy is also covered. However, insurance companies do not cover the small expenses of homeopathic medicines because they tend to pay for prescription drugs only. It will be paid if the patient has been hospitalized for more than 24 hours.

Is naturopathy covered by health insurance?

Yes, naturopathy is also covered by health insurance, if the treatments are undertaken in a hospital.

What all is not covered under Ayurvedic Treatment in health insurance?

You should also be aware what won’t be paid for too:

a) Pre-Hospitalisation & Post-Hospitalisation Expenses, Day Care Procedure and Outpatient Medical Expenses.

b) All preventive and rejuvenation treatments (non-curative in nature) including, without limitation, treatments that are not medically necessary.

How can you avail alternate treatment insurance in your health insurance?

Check with your health insurer if this benefit is available in the health insurance policy. You might have to pay some extra premium to avail this benefit. Some companies have sublimit for the AYUSH treatment and some restrict on the collateral expenses like pre-& post hospitalization expenses.

Alternate treatment insurance in health insurance is a benefit that takes care of your beliefs and lets you undergo treatments that you feel most comfortable in.

Want to read more about health insurance? Read this blog!



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