Arogya Sanjeevani Policy: AYUSH Treatment
Many Indians prefer to opt for alternative treatment methods for curing chronic ailments like diabetes. The major reason is that alternative medicines are cost effective while having preventive and healing effects. In fact, there has been a growing awareness of the benefits of alternative treatment. The Ministry of Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy (AYUSH) works towards developing and promoting alternative medicine systems in the country.
Given the rising number of ailments, whether due to lifestyle or hereditary factors, every family should have a health cover to manage the costs of treatment. The Arogya Sanjeevani Health Insurance Policy was introduced by the Insurance Regulatory and Development Authority of India (IRDAI) in April 2020. This policy offers basic health coverage of Rs 5 Lakh that provides a safety cushion during medical emergencies.
One of its major benefits is the feature of AYUSH Treatment cover that is available up to the sum insured.
This article aims to provide you information about alternative treatment and help you understand about this policy feature.
AYUSH Treatment Benefits
AYUSH treatments refer to systems of healthcare involving various therapies and practices which are different from conventional medical treatment. Alternative medicines, such as herbal medicines, are believed to be safe without any harmful side effects. By offering therapeutic benefits, alternative treatment methods have been successful in curing several lifestyle diseases such as hypertension, diabetes and asthma.
Many people, especially senior citizens, prefer to go for alternative treatment particularly when their medical condition does not respond well to allopathic treatment.
Following the guidelines issued by IRDAI in 2013, many health policies now offer alternative treatment cover. The Arogya Sanjeevani Health Insurance Policy is a recently-launched health insurance policy that fulfils the medical needs of people in the best possible way. The biggest benefit offered in this plan is the cover for AYUSH treatment up to the sum insured. Those looking to lower the burden of rising medical expenses should consider buying this policy. The expenses incurred due to in-patient care treatment under AYUSH treatment will be covered by the insurer, subject to policy terms and conditions.
Useful Information for Availing AYUSH Treatment
There are several hospitals in India which are accredited to offer quality AYUSH treatments. According to the IRDAI, AYUSH Hospital is a healthcare facility where medical, surgical, or para-surgical treatment procedures and interventions are carried out by AYUSH medical practitioners. The categories of healthcare facilities comprise of:
- Central or State government AYUSH Hospital
- Teaching hospitals attached to AYUSH Colleges recognised by the Central Government, Central Council of Indian Medicine or Central Council of Homeopathy
- Standalone hospitals or those which are co-located with in-patient facility of any recognised system of medicine registered with the local authorities.
The facilities should adhere to the criterion as follows:
- At least 5 in-patient beds
- Qualified AYUSH Medical Practitioner in-charge round the clock
- Dedicated AYUSH therapy sections as required and/or equipped operation theatre
- Maintaining daily records of patients and making them accessible to the insurance company’s authorized representative
When dealing with an ailment, it is important to keep in mind the likely medical expenses you would incur. This will help you plan and opt for a suitable health policy. If you prefer to go for alternative medicines, you should choose a policy that offers good coverage for alternative treatment.
To meet hefty medical bills, opt for health insurance rather than depending on your savings. Arogya Sanjeevani Policy, Care Health Insurance (Formerly Religare Health Insurance) offers coverage for AYUSH treatment up to sum insured.