UNTIL a few yearsago, health insurersusec to cover only allopathic treatment while alternative treatments were left, out of the insuranceambit.
This exclusion caused a lot of inconvenience to people who relied on such treatments asayurveda, yoga, unani, siddha and homeopathy.
Today, with growing demand for alternativetreatments even for critical ailments like heart disease and brain tumor, most insurers have started offering numerous plans covering these alternative treatment methods.
Ayush is an acronym” used to refer to the Indian medical system of ayurveda, yoga & natur-opathy and homoeopathy, among others, which are outside the mainstream medical arena.
Some nutritional practices and diets are also covered under it. Unlike allopathy, alternative treatments emphasise more on the restoration of health and prevention rather than cure for diseases.
This branch of medicine works on different levels withoutany major side effects. Most of the insurersreimburse expenses incurred towards inpatient alternativetreatment.
Some of thealternative ailments covered under the Ayush benefit include vascular disorders andcardiac conditions,multiple sclerosis,diabetes, high cholesterol, slip disc, chronic low back pain, cancer, gastric and liver problems, eyedisorders, Alzheimer’s disease, polio and neurology, to name a few.
Some of theinsurers, which offerhealth coverage for Ayush treatment, include Star Health Insurance, Apollo Munich, Bajaj Al-lianzand HDFC ERGO.
Thereis no standalone health insurance policy for Ayush at present. While some companies cover the alternative treatments in their group insurance on request, other insurersoffer the coverage under basic health insurance policy.
Nature of insurance coverage may vary, depending on the insurer or the insurance plan that you opt for.
Note that health insurance companies-do not offer cover if you underwent treatment in institutions not recognized by the government orQuality Council of Indiaor National Accreditation Board on Health.
Curated from Health Insurance for Alternative treatment