In India, we trust Turmeric over tablets and Yoga over surgery.
For chronic issues like arthritis, asthma, or back pain, millions of Indians turn to Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH).
But when the bill comes, you pay from your own pocket. You assume, "My health insurance only covers big English hospitals."
This is a myth.
Since the IRDAI regulations changed, most modern health policies NOW cover AYUSH treatments. However, there are strict rules. If you don't know them, your claim will be rejected instantly. Here is how to unlock this hidden benefit.
Disclaimer: Coverage varies widely. Some plans cover 100% of the Sum Insured, while others cap it at ₹20,000. Check your policy wording for "AYUSH Benefit."
How to Make Your Health Insurance Pay for Yoga, Homeopathy, and Unani Treatments
1. What Exactly is Covered?
Your insurer won't pay for your morning Yoga class or a random massage at a spa.
The coverage is strictly for therapeutic treatments under the AYUSH systems:
- Ayurveda
- Yoga & Naturopathy
- Unani
- Siddha
- Homeopathy
The Golden Rule: It must be a medical necessity prescribed by a qualified doctor, not just for "wellness" or "rejuvenation."
2. The "Sub-Limit" Trap
This is where agents trick you.
They say, "Sir, this plan has AYUSH cover."
But they don't tell you about the Limit.
| Type of Plan | Coverage Amount | Verdict |
|---|---|---|
| Old / Basic Plans | Capped at ₹15,000 - ₹20,000 per year. | Avoid. A serious Ayurvedic detox takes 14 days and costs ₹1 Lakh. This limit is useless. |
| Modern Plans | Up to Sum Insured (e.g., Full ₹10 Lakhs). | Buy This. Look for HDFC Ergo Optima Secure or Niva Bupa ReAssure. |
3. Where Can You Get Treated? (Crucial!)
You cannot just walk into any local clinic. To get your claim approved, the treatment must happen in:
- A Government Hospital: Dedicated to AYUSH.
- A Recognized Institute: Accredited by the Quality Council of India (QCI) or National Accreditation Board for Hospitals (NABH).
Warning: If you go to a luxury resort that offers "Ayurvedic Spa" but isn't a registered medical center, your claim will be rejected.
4. The "24-Hour Hospitalization" Rule
Just like Allopathy, standard health insurance requires you to be hospitalized for at least 24 hours to make a claim.
- OPD (Out-Patient) is usually NOT covered. Buying homeopathic pills from a chemist or visiting a doctor for 15 minutes is not covered (unless you have a specific OPD rider).
- In-Patient (IPD) IS covered. Staying at an Ayurvedic hospital for 7 days for 'Panchakarma' treatment (if medically necessary) is covered.
Conclusion: Don't Ignore Your Tradition
You shouldn't have to choose between your preferred treatment and your finances. If you believe in the power of Ayurveda, ensure your insurance respects that too.
Don't settle for a policy that treats your tradition as a "secondary" benefit with a tiny limit. Demand full coverage.
Action Plan:
- Open your policy document and search for "AYUSH".
- Check if there is a limit (e.g., "Max ₹20,000"). If yes, consider porting your policy.
- Before starting treatment, ask the hospital: "Are you NABH accredited for AYUSH?" Get this in writing.
Helpful Resources:
NABH: List of Accredited AYUSH Hospitals
IRDAI Guidelines on AYUSH Coverage
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