Health Insurance Approved Ayurveda Medical Care
Ayurveda medical care is available to you on cashless or reimbursement basis at AyurVAID Hospitals, supported by all leading health insurance companies and Third Party Administrators (TPAs).
Health Insurance Approved Ayurveda Medical Care
We are proud to declare that for many of our insurance partners, AyurVAID is the first and only Ayurveda hospital chain on their nationwide accredited hospitals network. With AyurVAID Hospitals also being registered under the Government of India’s Registry of Hospitals in Network of Insurance (ROHINI) as per the Insurance Regulatory and Development Authority (IRDA) guidelines, AyurVAID Hospitals’ Ayurveda treatment gets covered in the health insurance policy under the clause relating to AYUSH or Alternative Medicine coverage.
Starting 1st January 2020, the Insurance Regulatory and Development Authority of India (IRDAI) has made it mandatory that for any new insurance products to be launched by insurance companies effective October 2020 to receive IRDAI approval, they should include coverage for Ayurveda/Ayush in-patient medical care1. However, when you buy a new insurance policy or renew an earlier one, it may be based on an earlier IRDAI-approved insurance product and may or may not have Ayush coverage. Thus, it is important for you to insist on Ayurveda/Ayush coverage up to the full sum covered without unreasonable restrictions/ sub-limits, etc. being imposed on you.
However, if your medical needs are covered by the company you work for under a corporate health insurance scheme, you may contact your HR Manager or Employee Benefits Manager OR the insurance company/TPA representative who services your insurance policy and seek clarification.
If you are still not sure, please contact us, and we will be happy to support you to ascertain if Ayurveda care is covered under your policy and if there are attendant special terms and conditions if any.
Please also refer to the FAQs below to receive answers to any questions that remain.
FAQ on Health Insurance for Ayurveda
(i) New India Assurance Co. Ltd.
(ii) Oriental Insurance Co. Ltd.
(iii) United India Insurance Co. Ltd.
(iv) National Insurance Co. Ltd.
(v) Tata AIG General Insurance Co. Ltd.
(vi) Bharati AXA General Insurance Co. Ltd.
(vii) Liberty Videocon General Insurance Co. Ltd.
(viii) Reliance General Insurance Co. Ltd.
(ix) Bajaj Allianz General Insurance Co. Ltd.
(x) Universal Sompo General Insurance Co. Ltd.
(xi) Magma HDI General Insurance Co. Ltd.
(xii) HDFC Ergo General Insurance Co. Ltd.
(xiii) Apollo Munich Health Insurance Co. Ltd. (now part of HDFC Ergo)
(xiv) Star Health Allied insurance Co. Ltd.
(xv) CIGNA TTK Health Insurance Co. Ltd.
It may be noted that the above list is prone to change at any time since there are a large number of insurance companies today launching new products on a regular basis. Suffice it to say that there are a large number of well-established health insurance companies that now include Ayurveda in-patient medical care under the scope of coverage of their insurance products.
Please refer to the website of your insurance company or your TPA for the approved network hospital list or the booklet that has been given to you when you purchased your health insurance policy and received a membership kit. If a particular AyurVAID hospital facility is empanelled, it will be listed in alphabetic order under the State and City that you are searching for. In the event our name is not listed, it will imply that this specific centre is not empanelled with this particular insurance company or TPA. We will try nonetheless for cashless approval, but it will be at the discretion of the insurance company/TPA to accord or deny approval.
ii. Are there any sub-limits or restrictions on scope of Ayurveda/Ayush coverage?
iii. Is cashless facility available or reimbursement or both?
iv. Any waiting period for specific medical conditions? i.e. whether the medical condition for which you are seeking treatment is excluded under a waiting period starting from 1 year and going up to 4 years?
v. Coverage for pre-existing conditions and whether the condition that you are seeking treatment for is included in this list of pre-existing diseases that are excluded?
vi. Requirements for the treatment facility (NABH/Quality Council of India accreditation/ local government approval/ government medical college, etc.)
It may be noted that vide
https://cdn.ayush.gov.in/wp-content/uploads/2021/03/Circular-dated-10-Jan-2017.pdf, the IRDAI has advised insurance companies that they may extend coverage for Ayurveda/Ayush treatment provided the treatment is provided in an Ayurveda hospital having registration with relevant State Government authority and which complies with following minimum criteria:
a. Has at least 15 in-patient beds
b. Has minimum 5 qualified and registered Ayurveda doctors
c. Has qualified paramedical staff under its employment round the clock
d. Has dedicated Ayurveda/Ayush therapy sections
e. Maintains daily records of patients
If you are entitled for cashless coverage, at or immediately prior to the time of planned admission, the pre-authorisation form will be duly filled and sent to the insurance company for approval, backed by a physician’s summary justifying the need for in-patient medical care with all supporting clinical facts and reports. One or more rounds of queries from the insurance company/TPA shall be promptly responded to until a definite approval or denial is received. Upon completion of treatment, our insurance team will ensure that all documents for submission are accurate and complete so that you may leave the hospital on time, without hindrance, and with minimal inconvenience.
If you are entitled to or prefer to avail of treatment on a reimbursement basis, then upon conclusion of treatment we will provide you with all necessary medical and commercial documentation to submit a valid claim. Our hospital team will also guide you on the process and timelines to be adhered to in this regard.
Please refer your personal health insurance policy and the detailed terms and conditions listed in annexure thereto wherein the list of disallowable expenses under your policy will be clearly specified.