Advantages and characteristics of AYUSH therapy under health insurance coverage.

For its widespread acceptability, the Insurance Regulatory and Development Authority of India (IRDAI) advised insurers to include AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) as part of their health insurance coverage in 2013.

In this post, we will discuss the advantages of AYUSH therapy in health insurance and why we should consider purchasing a health insurance plan that includes AYUSH coverage.

What is AYUSH therapy and how does it work?

Alternative medicine or therapy is used in AYUSH treatment, which is a kind of healthcare system. Drug therapy for all types of disorders are part of AYUSH medicine's treatment, as is preserving an individual's total health.

When the Indian government established the AYUSH ministry to develop and promote alternative and traditional medicine in the nation, the abbreviation AYUSH was born. Following the IRDAI's order, numerous insurers,  now provide AYUSH treatment coverage as part of their health insurance plans (Arogya Sanjeevani Policy).

Coverage of AYUSH treatments in health insurance is critical.

Traditional therapies such as Ayurveda, Homeopathy, Yoga, Naturopathy, and others have gradually replaced allopathic therapy throughout the years. To combat this tendency, health insurance companies provide coverage for therapy as part of their policy.

If you're seeking for AYUSH treatment insurance, the section below will explain how contemporary health insurance policies cover alternative medicine and therapy.

In terms of health insurance, the following are the key characteristics and advantages of AYUSH therapy.

The following are the major characteristics and advantages of AYUSH therapy in terms of health insurance.

• Alternative medicine is covered by health insurance.

• Fills in the gaps in traditional medicine and ensures an individual's total health.

• Alternative medicines may help to reduce the risks linked with lifestyle disorders including drug misuse and cigarette addiction.

• Chronic diseases such as diabetes, hypertension, and others may be controlled with alternative medicine therapy.

• It is less expensive than traditional medication or therapy, in addition to having less adverse effects.

Criteria for eligibility

The following are the insurance coverage requirements for AYUSH treatment under health insurance.

• Medical costs spent in a central or state government hospital for inpatient care under AYUSH systems of medicine.

• At addition, hospitalization costs in an AYUSH facility approved by the National Accreditation Board or the Quality Control Council of India.

• A stay in a hospital should last at least 24 hours.

AYUSH health insurance coverage

The following are the benefits of AYUSH health insurance.

• Inpatient treatment costs for Ayurveda, Yoga, and Naturopathy, as well as Unani, Siddha, and Homeopathy.

• Treatment at AYUSH childcare centres that are registered with the local government.

AYUSH health insurance exclusions

Here's what the AYUSH health insurance doesn't cover.

• Treatment or hospitalization outside of government-approved hospitals and centers.

• Individual evaluations and check-ups are not covered.

• Treatment in a hospital that has not been authorized by the government.

• Expenses incurred before to and after admission to the hospital.

• Any non-medical preventative or rejuvenating therapy.

Day Care Centers run by AYUSH

In Day Care Centers, you may get AYUSH therapy, which comprises.

• Center for Community Health

• Primary Care Clinic

• Dispensary Clinic

• Polyclinic