Here’s Why You Should Add Ayurveda to Your Health Plan

Posted on: Apr 25, 2022 | | Written by:

Here’s Why You Should Add Ayurveda to Your Health Plan

There is no doubt that western medicine or allopathy has come a long way and is the go-to option in case of an ailment, whether you need to take pills or undergo a surgery. However, many people continue to believe in the ancient Indian science of Ayurveda and seek alternative treatment through the same. Especially in case of many lifestyle diseases, you might want to look for a natural cure or treatment instead of a quick fix through allopathy or surgery. Which is why, Ayurvedic treatments need to be a part of your medical insurance policy. This way, you can financially protect yourself even in case of prolonged treatments.

What is Ayurveda?

Developed in India, Ayurveda is believed to be one of the oldest healing systems. It focuses on the concept of not just health, but on holistic wellness i.e. promoting the good health of mind, body, and spirit. This ancient Indian medical system combines natural extracts with an overall diet and lifestyle. Many people in India as well as abroad have faith in this form of treatment. The chances of having any side effects are low and when compared to other treatments, Ayurvedic treatment is budget-friendlier.

Where does health insurance come in?

Since more and more people these days are looking for Ayurvedic medicines for the treatment of their illnesses, insurance providers are covering this form of treatment. Often, it is clubbed under a group of alternate forms of treatment like homeopathy, naturopathy, or unani. Then there are insurers who cover Ayurveda but not the other alternate therapies. To claim this treatment as part of your policy benefits, you must stay hospitalised for at least 24 hours in a hospital. However, no insurer offers a standalone plan for covering only traditional forms of treatment.

The premium cost for Ayurveda treatment coverage

Read the inclusions in your health plan to check if AYUSH is mentioned there. It’s an abbreviation for alternative medical systems such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. Do you need to pay any extra premium for it? The answer is no. Isn’t that great? Insurance providers include AYUSH treatments under your existing coverage. And the premium amount is all it takes for you to enjoy this benefit. However, some terms and conditions in the policy may put a cap on the expenses for such treatments. This is something you can check with the insurer.

Benefits of health insurance plans with ayurvedic treatment

To reiterate, the faith in alternative medicine is growing. Ayurveda’s focus is not so much on curing the disease as much as it is on the prevention of illnesses. It has gained popularity in western countries as well. Having AYUSH coverage in your policy will help you reimburse the medical bills spent on Ayurvedic treatment, up to a specified sum insured limit. It covers nursing care, medical bills, room rent, consultation fee, etc. too.

If surgery for a disease is not covered by your basic medical insuranceplan, you can see if Ayurveda has a treatment for that and then use your health plan to pay for the expenses. Having this cover is more beneficial if you suffer from chronic or lifestyle-related diseases or are allergic to allopathic drugs. Since Ayurvedic treatment doesn’t cost much, only a small part of your sum insured will be used on it, leaving the rest of the amount for allopathy and surgeries.

Conclusion

If you are someone who has faith in alternative treatments such as Ayurveda, you must ensure that it is part of your medical insurance policy coverage. Discuss the terms and conditions with the insurer to be completely aware of the exclusions though.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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