While anyone can opt for AYUSH cover under their health insurance, it is highly recommended to definitely opt for it if you are 60 and above or are insuring your parent as part of your plan or, buying a separate Senior Citizen Health Insurance plan for them.Also, the age criteria differs across different insurers. 

While anyone can opt for AYUSH cover under their health insurance, it is highly recommended to definitely opt for it if you are 60 and above or are insuring your parent as part of your plan or, buying a separate Senior Citizen Health Insurance plan for them.Also, the age criteria differs across different insurers. 

If you’ve opted for an AYUSH cover in your health insurance, Digit takes care of all your medical expenses for your inpatient treatment under Ayurveda, Unani, Siddha or Homeopathy. Note: The treatment has to be undertaken in a government hospital accredited by Quality Council of India or National Accreditation Board on Health to get the claim paid under your Health policy.

If you’ve opted for an AYUSH cover in your health insurance, Digit takes care of all your medical expenses for your inpatient treatment under Ayurveda, Unani, Siddha or Homeopathy.

Note: The treatment has to be undertaken in a government hospital accredited by Quality Council of India or National Accreditation Board on Health to get the claim paid under your Health policy.

Any hospitalization taken for less than 24 hours Pre-hospitalization & Post-hospitalization Expenses, Day Care Procedure and Outpatient Medical Expenses under alternative treatment Any preventive and rejuvenation treatments that are not medically necessary (so not the Kerala Alternate Treatment resort ones aren’t included in this 😉)

• Any hospitalization taken for less than 24 hours
• Pre-hospitalization & Post-hospitalization Expenses, Day Care Procedure and Outpatient Medical Expenses under alternative treatment
• Any preventive and rejuvenation treatments that are not medically necessary (so not the Kerala Alternate Treatment resort ones aren’t included in this 😉)

Expenses for Ayurvedic Treatment will be covered if treatment is taken in a center that qualifies under AYUSH treatment in health insurance. This definition of a qualified center is created by the IRDAI.  Listed below are the kind of centers that qualify under this condition: 1. Teaching hospitals of AYUSH colleges recognized 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: Has at least 15 in-patient beds Has minimum 5 qualified and registered AYUSH Doctors; Has qualified paramedical staff under its employment round the clock; Has dedicated AYUSH therapy sections; 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 hours 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. Disclaimer: Always check with your insurance provider and your health insurance policy for the complete details on AYUSH Cover.  

Expenses for Ayurvedic Treatment will be covered if treatment is taken in a center that qualifies under AYUSH treatment in health insurance. This definition of a qualified center is created by the IRDAI. 

Listed below are the kind of centers that qualify under this condition:

1. Teaching hospitals of AYUSH colleges recognized 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:

• Has at least 15 in-patient beds
• Has minimum 5 qualified and registered AYUSH Doctors;
• Has qualified paramedical staff under its employment round the clock;
• Has dedicated AYUSH therapy sections;
• 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 hours 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.

Disclaimer: Always check with your insurance provider and your health insurance policy for the complete details on AYUSH Cover.