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Looking for a health insurance plan that embraces holistic wellness? As more Indians turn to alternative medicine for chronic conditions, understanding AYUSH treatment in health insurance has become crucial. The Arogya Sanjeevani policy stands out by offering comprehensive AYUSH cover in health insurance, ensuring you can access traditional therapies without financial strain.
Today, many people are choosing alternative treatments to manage chronic conditions such as diabetes, thyroid and hypertension. These therapies are often cost-effective, preventive, and promote natural healing. The Ministry of Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy (AYUSH) has been vital in promoting awareness regarding these effective, alternative healthcare systems across India. As part of its drive to promote awareness of alternative treatments, the Ministry introduced a dedicated AYUSH cover health insurance plan: Arogya Sanjeevani.
If you are seeking health insurance with AYUSH coverage or exploring AYUSH health insurance benefits, this guide is for you. Here’s everything you need to know about navigating the Arogya Sanjeevani policy to secure complete coverage for alternative medical care.
Arogya Sanjeevani Policy: A Guarantee for AYUSH Treatment
With a growing awareness of the benefits of alternative treatments, many Indians now prefer alternative methods for managing chronic conditions like diabetes. This shift is primarily because alternative medicines offer preventive and healing properties while remaining highly cost-effective. Supporting this development is the Ministry of Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy (AYUSH), which actively works to promote and advance alternative healthcare systems across the nation.
To bring alternative AYUSH treatments under the ambit of health coverage, the Insurance Regulatory and Development Authority of India (IRDAI) introduced the Arogya Sanjeevani Health Insurance Policy in April 2020.
What is the extent of AYUSH treatment coverage under the Arogya Sanjeevani policy?
Here are the key highlights of the Arogya Sanjeevani policy:
- 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 AYUSH Treatment cover, available up to the sum insured.
The upcoming sections will detail the coverage available for alternative treatment methods, helping you better understand this policy feature.
Key AYUSH Treatment Benefits in Health Insurance
AYUSH therapies represent a diverse range of healthcare systems and practices that diverge from conventional medical treatments:
- Alternative options, like herbal remedies, are widely recognised as safe and lacking harmful side effects.
- By delivering therapeutic benefits, these alternative systems have successfully helped manage and treat chronic lifestyle conditions such as diabetes, asthma, and hypertension.
A significant number of individuals, particularly senior citizens, prefer turning to alternative treatments when conventional allopathic medicine fails to provide effective relief.
IRDA Guidelines for AYUSH Treatment Cover in Health Insurance
Given below are the guidelines for AYUSH Treatment issued by IRDAI in 2013:
- 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.
All the health insurance providers are required to provide the AYUSH health insurance cover through the Arogya Sanjeevani Health Insurance Policy in accordance with the above guidelines.
How to Avail AYUSH Treatment Under Health Insurance?
There are several hospitals in India which are accredited to offer quality AYUSH treatments. According to the IRDAI, an AYUSH Hospital is a healthcare facility where AYUSH medical practitioners carry out medical, surgical, or para-surgical treatment procedures and interventions. The categories of healthcare facilities comprise:
- 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 Homoeopathy
- Standalone hospitals or those which are co-located with in-patient facilities of any recognised system of medicine registered with the local authorities.
The facilities should adhere to the criterion as follows:
- 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 authorised representative
Ensure Your Holistic AYUSH Coverage with Arogya Sanjeevani
Prioritising your health never meant compromising on your preferred treatment methods. With the rising popularity of holistic healing, choosing a health insurance plan that provides comprehensive AYUSH coverage is a smart financial and medical decision. Arogya Sanjeevani policy empowers you to access quality alternative treatments without the worry of unexpected medical expenses. By securing a plan that includes AYUSH treatment in health insurance, you ensure both peace of mind and holistic well-being for yourself and your family.
So, it’s time to start your journey toward integrated wellness today by exploring the benefits of a robust health insurance policy with AYUSH coverage.
>> Also Read: How to Claim Under Arogya Sanjeevani Policy
Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
