Does your health insurance cover Alternative treatment?


does your health insurance cover alternative treatment

Alternative medicines are becoming a popular option for treating chronic illness. In the past years, health insurance policies only used to provide allopathic medicine while AYUSH (Ayurveda, Homeopathy, Naturopathy, and Unani) treatment is not included. Apart from having a comprehensive health insurance plan, individuals who favored such treatments had to pay money from their savings. 

Policyholders can now heave a sigh of relief as most insurance companies have started providing alternative forms of treatment. 

What is AYUSH Treatment?

The Insurance Regulatory and Development Authority of India (IRDAI) in 2013 has introduced new guidelines in which health insurance policies covered alternative treatment as well. In this cover, the treatment of the insured is reimbursed. Many health insurance companies offer AYUSH treatment, especially for insured members who are above the age of 60. Recently, there has been a transition from conventional medicines to alternative treatments such as AYUSH. Keeping this in mind, many insurance providers have started offering alternate treatment covers as a part of a health insurance plan. Care Health Insurance (Formerly Religare Health Insurance) is one such insurance company. 

With the help of AYUSH treatment, many lifestyle diseases can be treated effectively. You should check that the particular health insurance plan you are choosing covers non-allopathic treatment and it's limit. 

Why you should opt for AYUSH treatment

Policyholders should go through all the terms and conditions. Mentioned below are certain benefits of this treatment:

  • This treatment offers a holistic approach to healthcare by addressing gaps in medical services and offers healthcare that relies on one’s overall wellbeing. 
  • It has lesser side effects and is cost-effective than other forms of medicine.


You should choose a health insurance plan that does not restrict your well-being. Care Health Insurance (Formerly Religare Health Insurance) covers AYUSH treatment. The health insurance coverage for the alternate treatment has become vast, however, there are still some restrictions related to sum insured and policy terms and conditions. It is the good health insurance plan if you are looking for sustainable treatment for your illness.