Before the advent of modern medicine, most of the people in India relied solely on traditional medicine when it comes to medical treatment. However, the limitations in traditional medicine and easy access to allopathic treatment shifted the focus to modern medicine in the recent decades. Though not the commonly used medical treatment method, traditional medicine has made a comeback in the recent days with its increasing popularity among the present generation. With a renewed interest in traditional medicine, the government has started focusing on various research projects to revive this system in India.
In 2003, the government of India established the Department of AYUSH (short for Ayurveda, Yoga, Unani, Siddha, and Homeopathy) in a bid to develop traditional medicine and provide easy access to alternate medicine. This led to the establishment of the Ministry of Ayush in the year 2014. The ministry offers its support for various research institutes and councils involved in AYUSH treatment. With the involvement of the ministry, AYUSH treatment in India is regulated and offered as regular medical treatment.
Alternate medicine has become popular in the recent days mainly due to the benefits offered under this treatment. Some of the major advantages of AYUSH treatment can be listed as follows:
There are many health insurance companies that offer coverage for AYUSH treatment. Since yoga is more of a physical therapy than a medical treatment, it is not usually covered by health insurance plans. Besides ayurveda, unani, siddha, and homeopathy treatment, other alternate treatment choices like aromatherapy, acupuncture, acupressure, magnetic therapy, etc. are not usually covered by medical insurance. Before you subscribe to a health insurance cover for AYUSH treatment, you must be aware of the following things:
There are many insurers in the market that offer health insurance plans with coverage for AYUSH treatment. Some of these plans can be listed as follows:
|Insurer name||Plan name||Extent of coverage|
|ICICI Lombard General Insurance||Complete Health Insurance||Up to sum insured limit|
|Apollo Munich Health Insurance||Easy Health Standard||Up to Rs.20,000|
|Religare Health Insurance||Care||Up to Rs.30,000 (varies based on plans)|
|Star Health Insurance||Medi Classic Insurance Policy||Up to 25% of the sum insured subject to a maximum of Rs.25,000 per policy period|
|HDFC ERGO General Insurance||Health Suraksha Policy||Up to the sum insured limit|
|Max Bupa Health Insurance||Health Companion||Up to the sum insured limit|
|Future Generali||Health Total||Up to the sum insured limit|
In addition to these policies listed here, a few other health insurance plans in the market also offer AYUSH treatment benefits. The Insurance Regulatory and Development Authority of India (IRDA) has recommended health insurers in the market to provide coverage for alternate treatments recognized by the government of India.
With the recent increase in awareness about the benefits of traditional medicine, there are plenty of takers for health insurance covers that offer AYUSH benefit. Medical insurance plans that offer this benefit tend to charge a little extra on premiums. However, it may be worth spending that amount considering the range of treatment choices available under AYUSH benefit. If you are planning to try out alternate medicine in the near future, it is better to have a health insurance cover that offers this benefit.
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