Ayush Empanelment for treatment with cashless insurance

Ayurveda Treatment Coverage in Health Insurance: What You Need to Know

In recent times, there has been a notable shift towards alternative treatments in the medical sector, with patients and caregivers expressing faith in methods like Ayurveda. The Insurance Regulatory and Development Authority of India (IRDAI) recognized this trend in 2013 and mandated insurance providers to cover treatments based on Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH).

Understanding Cashless for Ayush Hospitals in Health Insurance:

The Ministry of AYUSH, established by the Government of India in 2014, regulates alternative systems of medicine. Health insurance policies now often include AYUSH benefits covering treatments, therapies, and medicines derived from natural ingredients with minimal side effects.

 Benefits of AYUSH Treatment:

1. Rooted in ancient Indian science.
2. Ideal for individuals with allergic reactions to allopathy, particularly the elderly.
3. Emphasizes holistic well-being.
4. Yoga and meditation address lifestyle-related issues.
5. Focuses on eliminating the root cause of diseases.
6. Cost-effective with minimal side effects.

 Who Can Avail Cashless for Ayush Hospitals :-

Those who have opted for AYUSH coverage during policy purchase can benefit. This is particularly recommended for individuals aged 60 and above, including parents in health policies or purchasing separate senior citizen policies.

Coverage and Exclusions under AYUSH Benefit:

 Covered:

– In-patient AYUSH treatment in government-recognized hospitals or accredited institutes.

 Not Covered:

– Treatment in non-recognized facilities.

– Expenses without a minimum 24-hour hospitalization.

– Daycare, pre/post-hospitalization charges, and outpatient expenses during alternative treatment.

– Non-essential rejuvenation treatments.

 Conditions for Availing Ayurvedic Treatment in Health Insurance:

To ensure smooth claim settlement:

1. Include AYUSH cover in your health insurance policy, with an additional premium.

2. Treatment must occur at a recognized AYUSH facility meeting specific criteria.

3. AYUSH hospitals should have dedicated therapy sections, qualified staff, and a minimum 24-hour hospitalization requirement.

4. Maintain detailed daily records of patients for sharing with the insurance company.

 Conclusion:

While allopathic medicines offer quick relief, the growing popularity of Ayurveda and homeopathy stems from their holistic approach and natural ingredients. Before claiming health insurance for AYUSH expenses, adhere to the outlined conditions for a hassle-free settlement. Stay informed to make the most of your health coverage in the evolving landscape of medical treatments.