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.
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:

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.
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.

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:
Who Should Choose an AYUSH Health Insurance?
Although AYUSH coverage is beneficial to all, certain groups should give it careful thought:
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:
Comprehensive Coverage
Care & Prevention
Individualised Therapy
Integrated Care
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:
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.
Disclaimer