>

>

Best AYUSH Health Insurance for Ayurvedic Treatment​

Best AYUSH Health Insurance for Ayurvedic Treatment​ in India

Are you an ardent believer in Ayurveda and other ancient treatment techniques? If so, you will be happy to know that these treatments are now covered under AYUSH health insurance.

There has been a notable upsurge of interest in alternate treatments in recent years, particularly in India.

About 95% of respondents in rural areas and 96% of respondents in urban areas are aware of AYUSH systems, according to a recent National Sample Survey Office (NSSO) survey.

About 95% of respondents in rural areas and 96% of respondents in urban areas are aware of AYUSH systems, according to a recent National Sample Survey Office (NSSO) survey.

About 95% of respondents in rural areas and 96% of respondents in urban areas are aware of AYUSH systems, according to a recent National Sample Survey Office (NSSO) survey.

Additionally, in the past year, roughly 53% of urban people and 46% of rural residents have used AYUSH therapies to cure or prevent a variety of health conditions.

Additionally, in the past year, roughly 53% of urban people and 46% of rural residents have used AYUSH therapies to cure or prevent a variety of health conditions.

Additionally, in the past year, roughly 53% of urban people and 46% of rural residents have used AYUSH therapies to cure or prevent a variety of health conditions.

Because alternative medicine is becoming more and more popular, the Insurance Regulatory and Development Authority of India (IRDAI) has mandated that starting April 1, 2024, all health insurance providers must incorporate AYUSH treatment in health insurance coverage.

Because alternative medicine is becoming more and more popular, the Insurance Regulatory and Development Authority of India (IRDAI) has mandated that starting April 1, 2024, all health insurance providers must incorporate AYUSH treatment in health insurance coverage.

Because alternative medicine is becoming more and more popular, the Insurance Regulatory and Development Authority of India (IRDAI) has mandated that starting April 1, 2024, all health insurance providers must incorporate AYUSH treatment in health insurance coverage.

Thus, insurance providers are now supposed to give AYUSH treatments equal status to conventional medical treatments. Let’s explore more about health insurance for Ayurvedic treatment in India - what it covers and why it’s important. You will also find options for the best health insurance for Ayurvedic treatment in this blog post.

Top 10 AYUSH Health Insurance for
Ayurvedic Treatment

Features HDFC ERGO - Optima Secure Care Health - Care Supreme Aditya Birla - Activ One Niva Bupa - ReAssure 2.0 ManipalCigna - ProHealth Select Star Health - Medi Classic Apollo Munich - Easy Health Cholamandalam MS - Individual Healthline Tata AIG - MediCare Bajaj Allianz - Health Guard Gold
AYUSH Coverage Limit Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured 25% of the Sum Insured Not specified Up to Sum Insured Up to Sum Insured Up to Sum Insured
Sum Insured (₹) 5 Lakhs to 50 Lakhs 5 Lakhs to 1 Crore 2 Lakhs to 2 Crore 5 Lakhs to 1 Crore 2.5 Lakhs to 1 Crore 5 Lakhs to 15 Lakhs 2 Lakhs to 50 Lakhs 2 Lakhs to 25 Lakhs 3 Lakhs to 20 Lakhs 5 Lakhs to 50 Lakhs
Coverage for Complications Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Pre/Post Hospitalization 60/180 days 60/180 days 60/180 days 60/180 days 60/90 days 30/60 days 60/90 days 60/90 days 60/90 days 60/90 days
No-Claim Bonus 50% per year 500% max Up to 100% Unlimited 10% per year Up to 100% Up to 50% 10% per year Up to 100% Up to 50%
Waiting Period for Pre-existing Disease 36 months 24 months 36 months 36 months 48 months 48 months 36 months 48 months 36 months 36 months
Co-Payment Nil Nil Nil Nil Nil 10% for seniors Nil 20% Nil Nil
Cashless AYUSH Treatment Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Hospital Network 13,000+ healthcare providers 24,800+ healthcare providers 11000+ 10,000+ 6500+ 13000+ 10000+ 12000+ 11000+ 18000+
Is Portability Available Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
OPD Cover No No No No Yes Yes Yes Yes Yes No
Additional Benefits Free health check-ups No room rent cap Unlimited restoration benefit Super top-up available Free annual check-ups AYUSH-specific hospitals covered AYUSH hospitalization covered OPD Ayurveda cover available Free AYUSH consultation 10% discount for family floater
Estimated Premium Range (₹) ₹5,000 - ₹12,000 ₹8,000 - ₹20,000 ₹7,000 - ₹15,000 ₹6,000 - ₹14,000 ₹5,000 - ₹13,000 ₹6,000 - ₹10,000 ₹5,500 - ₹12,000 ₹4,500 - ₹9,000 ₹5,000 - ₹11,000 ₹4,000 - ₹8,000
Entry Age 91 days to 65 years; lifelong renewal 91 days to lifelong; lifelong renewal 91 days to 65 years; lifelong renewal 91 days to 65 years; lifelong renewal 91 days to 65 years; lifelong renewal 5 months to 65 years; lifelong renewal 91 days to 65 years; lifelong renewal 18 years to 65 years; lifelong renewal 91 days to 65 years; lifelong renewal 3 months to 65 years; lifelong renewal

Note: Before purchasing any of these policies, please read the disclaimer at the bottom of this page.

3 Best AYUSH Health Insurance for
Ayurvedic Medicine

Here are three significant choices to think about when it comes to AYUSH insurance plans:

1

1

1

HDFC Optima Secure ERGO

Why It Stands Out

Provides full coverage for Ayurvedic therapies without imposing any restrictions on room rent.

Annual health examinations are free.

Options for high sum insured with a 50% No Claim Bonus range from ₹5 lakh to ₹2 crore.

Restoration benefits allow policyholders to get their money back after they've used it up because of claims.

Possible Restrictions

Because of the additional perks and comprehensive coverage, premiums are a little higher.

Longer waiting periods may apply to specific coverage for pre-existing conditions.

2

2

2

Care Health Care Supreme

Why It Stands Out

Provides up to ₹6 crore sum insured, ideal for those seeking extensive coverage.

Offers a 500% Claim Bonus, increasing the policyholder’s sum insured significantly during claim-free years.

Includes wellness programs and super top-up options.

There is no room rent cap with a full cashless facility for Ayurvedic treatments at accredited hospitals.

Potential Limitations

Premiums may be high for top-tier coverage, particularly for higher sum insured amounts.

Coverage of pre-existing conditions may be delayed based on health history.

3

3

3

Aditya Birla Activ One

Why It Stands Out

Features unlimited restoration benefits, allowing you to restore your coverage after a claim.

Offers up to ₹1 crore sum insured, ensuring broad coverage for Ayurvedic treatments.

Cashless hospitalisation is available across a wide range of network hospitals.

The no-claim bonus can be as high as 100%, significantly increasing the sum insured each year.

Potential Limitations

Premiums are on the higher end due to generous restoration benefits and high coverage.

Varying waiting periods for pre-existing conditions may present a limitation for those with existing health issues.

Important: Remember that this data is just meant to be used as a reference for comparisons. Before making any selections, it's imperative to confirm directly with insurance companies and carefully go over policy documentation.

Since a number of individual characteristics determine insurance rates, it is wise to consult a financial advisor when needed.

AYUSH Treatment: What is it?

A range of traditional medical procedures that include different kinds of treatment are represented by AYUSH - Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy. To fully appreciate the importance of having specialised AYUSH insurance coverage, it is imperative to comprehend each element.

Ayurveda

The comprehensive medical system known as Ayurveda has its roots in India and dates back more than 3,000 years. Yoga, herbal remedies, and food are used to promote systemic balance in the body. Because of its individualised approach to health, Ayurveda is becoming more and more popular.

Yoga

Yoga promotes general well-being by combining physical postures, breathing techniques, and meditation. It has gained popularity all around the world as a means of lowering stress and improving physical health.

Unani

In India, unani medicine is a popular practice that has its roots in ancient Greek philosophy. It emphasises maintaining the proper balance of body fluids. It makes use of dietary guidelines, herbal cures, and other natural therapies.

Siddha

One of the earliest types of traditional medical systems is Siddha medicine, which is mostly practised in Southern India. To attain health balance, it uses metals, minerals, herbs, and mantra therapy.

Homoeopathic Medicine

The goal of homoeopathy is to stimulate the body's natural healing processes by using extremely diluted chemicals. Due to its distinctive methodology, this approach has drawn interest from a variety of global health sectors.

How Important Is AYUSH Health Insurance?

Having insurance coverage that includes AYUSH ensures that you can access various healing modalities without bearing the full financial burden. Here are some of the main benefits of having health insurance plans for ayurvedic treatments:

Wide Variety of Therapies: Many illnesses that might not react well to allopathic treatments can be successfully treated with AYUSH covering. It guarantees comprehensive treatment for a range of medical conditions by permitting traditional systems to exist inside the insurance market.

Wide Variety of Therapies: Many illnesses that might not react well to allopathic treatments can be successfully treated with AYUSH covering. It guarantees comprehensive treatment for a range of medical conditions by permitting traditional systems to exist inside the insurance market.

Wide Variety of Therapies: Many illnesses that might not react well to allopathic treatments can be successfully treated with AYUSH covering. It guarantees comprehensive treatment for a range of medical conditions by permitting traditional systems to exist inside the insurance market.

Protection of Finances: The cost of medical care can be high for AYUSH therapies. Financial security and peace of mind are guaranteed by health insurance that covers these methods. It allows you to concentrate on your recovery rather than your bills.

Protection of Finances: The cost of medical care can be high for AYUSH therapies. Financial security and peace of mind are guaranteed by health insurance that covers these methods. It allows you to concentrate on your recovery rather than your bills.

Protection of Finances: The cost of medical care can be high for AYUSH therapies. Financial security and peace of mind are guaranteed by health insurance that covers these methods. It allows you to concentrate on your recovery rather than your bills.

Increasing Acceptance: Public knowledge of AYUSH techniques is at an all-time high due to growing awareness and growing research validation. This adoption of standard health insurance indicates credibility and a move towards integrative health systems.

Increasing Acceptance: Public knowledge of AYUSH techniques is at an all-time high due to growing awareness and growing research validation. This adoption of standard health insurance indicates credibility and a move towards integrative health systems.

Increasing Acceptance: Public knowledge of AYUSH techniques is at an all-time high due to growing awareness and growing research validation. This adoption of standard health insurance indicates credibility and a move towards integrative health systems.

Who Should Choose an AYUSH Health Insurance?

Although AYUSH coverage is beneficial to all, certain groups should give it careful thought:

People With Chronic Illnesses: Certain aspects of AYUSH may offer relief to those with chronic illnesses when contemporary therapies are insufficient.

People With Chronic Illnesses: Certain aspects of AYUSH may offer relief to those with chronic illnesses when contemporary therapies are insufficient.

People With Chronic Illnesses: Certain aspects of AYUSH may offer relief to those with chronic illnesses when contemporary therapies are insufficient.

Those Seeking Wellbeing: The holistic approach of AYUSH therapies incorporates preventive measures into daily life for people who are more concerned with preserving their health than merely curing illnesses.

Those Seeking Wellbeing: The holistic approach of AYUSH therapies incorporates preventive measures into daily life for people who are more concerned with preserving their health than merely curing illnesses.

Those Seeking Wellbeing: The holistic approach of AYUSH therapies incorporates preventive measures into daily life for people who are more concerned with preserving their health than merely curing illnesses.

People Who Care About Their Health: Ayurvedic health insurance coverage benefits those who support a well-rounded approach to health that incorporates both conventional and contemporary techniques.

People Who Care About Their Health: Ayurvedic health insurance coverage benefits those who support a well-rounded approach to health that incorporates both conventional and contemporary techniques.

People Who Care About Their Health: Ayurvedic health insurance coverage benefits those who support a well-rounded approach to health that incorporates both conventional and contemporary techniques.

What Advantages Do Health Insurance Covering Ayurvedic Treatment Offer?

The many advantages of Ayurvedic treatment should be taken into account when considering health insurance. Here are a few main benefits:

1

1

1

Comprehensive Coverage

Policies that include AYUSH treatments typically cover a broad spectrum of therapies that go beyond diseases.

Policies that include AYUSH treatments typically cover a broad spectrum of therapies that go beyond diseases.

Policies that include AYUSH treatments typically cover a broad spectrum of therapies that go beyond diseases.

2

2

2

Care & Prevention

Numerous AYUSH treatments emphasise prevention, providing methods to preserve health and fend off illnesses before they worsen.

Numerous AYUSH treatments emphasise prevention, providing methods to preserve health and fend off illnesses before they worsen.

Numerous AYUSH treatments emphasise prevention, providing methods to preserve health and fend off illnesses before they worsen.

3

3

3

Individualised Therapy

Because Ayurvedic methods are individualised, each patient receives a customised course of treatment. This implies that the care you receive takes into account your unique needs and state of health.

Because Ayurvedic methods are individualised, each patient receives a customised course of treatment. This implies that the care you receive takes into account your unique needs and state of health.

Because Ayurvedic methods are individualised, each patient receives a customised course of treatment. This implies that the care you receive takes into account your unique needs and state of health.

4

4

4

Integrated Care

Patients who have AYUSH coverage can work with medical professionals from other specialities to develop a more comprehensive treatment plan.

Patients who have AYUSH coverage can work with medical professionals from other specialities to develop a more comprehensive treatment plan.

Patients who have AYUSH coverage can work with medical professionals from other specialities to develop a more comprehensive treatment plan.

What Does an AYUSH Health Insurance Policy Not Cover?

Although having health insurance based on AYUSH is advantageous, there are several restrictions to be mindful of:

Advanced Treatments – Advanced therapies Policies might not cover specialised procedures or advanced therapies that are not yet approved by AYUSH guidelines.

Advanced Treatments – Advanced therapies Policies might not cover specialised procedures or advanced therapies that are not yet approved by AYUSH guidelines.

Advanced Treatments – Advanced therapies Policies might not cover specialised procedures or advanced therapies that are not yet approved by AYUSH guidelines.

Experimental Treatments – Some treatments, like experimental therapies or treatments provided outside of accredited facilities, could not be covered.

Experimental Treatments – Some treatments, like experimental therapies or treatments provided outside of accredited facilities, could not be covered.

Experimental Treatments – Some treatments, like experimental therapies or treatments provided outside of accredited facilities, could not be covered.

Conditions That Were Before – There may be waiting periods associated with pre-existing condition coverage, which differs greatly amongst insurers.

Conditions That Were Before – There may be waiting periods associated with pre-existing condition coverage, which differs greatly amongst insurers.

Conditions That Were Before – There may be waiting periods associated with pre-existing condition coverage, which differs greatly amongst insurers.

What Makes AYUSH Cover a Good Choice for Your Health Insurance Policy?

Choosing a health insurance plan that covers AYUSH treatments is certain to be beneficial, especially in light of the growing trend towards acknowledging traditional medicine. Here are a few things to think about:

1

Accessibility

A wider choice of treatment options is made possible by having AYUSH coverage. It gives you access to different treatments that fit your health philosophy.

2

Growing In Acceptance

Because of the high level of public interest, insurers who understand the value of AYUSH make sure that these treatments are more easily accessible within a pre-existing framework.

3

Financial Assistance

The financial burden of ongoing treatments can be greatly reduced by including AYUSH treatment in health insurance.

FAQs

FAQs

Is Ayurvedic Treatment Covered Under Health Insurance?

Is Ayurvedic Treatment Covered Under Health Insurance?

Is Ayurvedic Treatment Covered Under Health Insurance?

What Are a Few Typical Ayurvedic Coverage Exclusions?

What Are a Few Typical Ayurvedic Coverage Exclusions?

What Are a Few Typical Ayurvedic Coverage Exclusions?

How Can I Determine Whether My Present Health Insurance Plan covers Ayurvedic Treatment?

How Can I Determine Whether My Present Health Insurance Plan covers Ayurvedic Treatment?

How Can I Determine Whether My Present Health Insurance Plan covers Ayurvedic Treatment?

Who Can Get Health Insurance Through AYUSH?

Who Can Get Health Insurance Through AYUSH?

Who Can Get Health Insurance Through AYUSH?

What Should I Consider When Purchasing AYUSH Coverage?

What Should I Consider When Purchasing AYUSH Coverage?

What Should I Consider When Purchasing AYUSH Coverage?

What Is Covered Under AYUSH Benefit?

What Is Covered Under AYUSH Benefit?

What Is Covered Under AYUSH Benefit?

Is AYUSH Beneficial to Everyone?

Is AYUSH Beneficial to Everyone?

Is AYUSH Beneficial to Everyone?

Can I Receive AYUSH Benefits Through Cashless Claims?

Can I Receive AYUSH Benefits Through Cashless Claims?

Can I Receive AYUSH Benefits Through Cashless Claims?

What Is the Health Insurance AYUSH Benefit Limit?

What Is the Health Insurance AYUSH Benefit Limit?

What Is the Health Insurance AYUSH Benefit Limit?

Can Someone Under 60 Years Old Choose to Have AYUSH Treatment Coverage?

Can Someone Under 60 Years Old Choose to Have AYUSH Treatment Coverage?

Can Someone Under 60 Years Old Choose to Have AYUSH Treatment Coverage?

Does the Claim cover Homoeopathic Treatments?

Does the Claim cover Homoeopathic Treatments?

Does the Claim cover Homoeopathic Treatments?

Does the AYUSH Benefit Cover Naturopathic Treatment?

Does the AYUSH Benefit Cover Naturopathic Treatment?

Does the AYUSH Benefit Cover Naturopathic Treatment?

Disclaimer

Although real rates may vary significantly, the comparative table shown provides a broad reference for premiums based on an individual aged 30-35 with mid-level coverage (about ₹5 lakhs).

Although real rates may vary significantly, the comparative table shown provides a broad reference for premiums based on an individual aged 30-35 with mid-level coverage (about ₹5 lakhs).

Although real rates may vary significantly, the comparative table shown provides a broad reference for premiums based on an individual aged 30-35 with mid-level coverage (about ₹5 lakhs).

It's crucial to remember that the "Premium Range" is only an example and may change depending on a number of variables, including age, geography, family size, lifestyle choices, health status, and the underwriting policies of each insurer.

It's crucial to remember that the "Premium Range" is only an example and may change depending on a number of variables, including age, geography, family size, lifestyle choices, health status, and the underwriting policies of each insurer.

It's crucial to remember that the "Premium Range" is only an example and may change depending on a number of variables, including age, geography, family size, lifestyle choices, health status, and the underwriting policies of each insurer.

Although it may vary annually, the percentage of claims settled is based on publicly available data sources (such as IRDAI reports).

Although it may vary annually, the percentage of claims settled is based on publicly available data sources (such as IRDAI reports).

Although it may vary annually, the percentage of claims settled is based on publicly available data sources (such as IRDAI reports).

Each insurer has a different waiting time for pre-existing conditions, which impacts your ability to file a claim. Therefore, experiences with personal claims can differ greatly.

Each insurer has a different waiting time for pre-existing conditions, which impacts your ability to file a claim. Therefore, experiences with personal claims can differ greatly.

Each insurer has a different waiting time for pre-existing conditions, which impacts your ability to file a claim. Therefore, experiences with personal claims can differ greatly.

Be mindful of particular restrictions, such as exclusions or co-payments, while thinking about "Coverage for Ayush Treatments." Your coverage may not cover certain cutting-edge procedures, such as chemotherapy or experimental treatments.

Be mindful of particular restrictions, such as exclusions or co-payments, while thinking about "Coverage for Ayush Treatments." Your coverage may not cover certain cutting-edge procedures, such as chemotherapy or experimental treatments.

Be mindful of particular restrictions, such as exclusions or co-payments, while thinking about "Coverage for Ayush Treatments." Your coverage may not cover certain cutting-edge procedures, such as chemotherapy or experimental treatments.

Furthermore, the "Network Hospitals" that providers list may change over time, so it's important to confirm their availability prior to receiving treatment.

Furthermore, the "Network Hospitals" that providers list may change over time, so it's important to confirm their availability prior to receiving treatment.

Furthermore, the "Network Hospitals" that providers list may change over time, so it's important to confirm their availability prior to receiving treatment.

This information should not be used as medical or economic advice but just as a guide. Before making any decisions about your healthcare plan, it is crucial that you quickly review official documentation from insurance companies for particular policy terms, such as specific benefits, including waiting periods and limitations.

This information should not be used as medical or economic advice but just as a guide. Before making any decisions about your healthcare plan, it is crucial that you quickly review official documentation from insurance companies for particular policy terms, such as specific benefits, including waiting periods and limitations.

This information should not be used as medical or economic advice but just as a guide. Before making any decisions about your healthcare plan, it is crucial that you quickly review official documentation from insurance companies for particular policy terms, such as specific benefits, including waiting periods and limitations.

Get in touch with an accredited insurance advisor or financial professional directly for advice on policies that are now available that are specifically customised to your needs and cover the details of coverage.

Get in touch with an accredited insurance advisor or financial professional directly for advice on policies that are now available that are specifically customised to your needs and cover the details of coverage.

Get in touch with an accredited insurance advisor or financial professional directly for advice on policies that are now available that are specifically customised to your needs and cover the details of coverage.

Make the Move

What are you waiting for?

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.

Make the Move

What are you waiting for?

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.

Make the Move

What are you waiting for?

freo logo
facebook
Instagram
X
LinkedIn

Our Products

Quick Links

Calculators

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.