Medical Insurance

Cashless, Stress-Less Ayurveda Treatment

Make your Ayurveda treatment easier to access with cashless insurance, reimbursement support, and 0% EMI options at Apollo AyurVAID, India’s most awarded Ayurveda hospital chain.

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Cashless, Stress-Less Ayurveda Treatment

Your health insurance works here — cashless, reimbursement, or 0% EMI. Apollo AyurVAID, India’s most awarded Ayurveda chain.

OUR CASHLESS PROMISE

We Find a Way to Make It Cashless, Every Time

Three pathways to cashless treatment. If your insurer declines a cashless request, we’ll help you explore alternative payment options, subject to eligibility and applicable policy terms and conditions. Any non-payable items, consumables or other exclusions under your policy may remain payable by you.

Your Insurer Is Empanelled

We have a signed MOU with your insurer. Cashless approval in 3–4 hours. Zero paperwork for you at discharge.

Your Insurer Isn't on Our List

We submit a direct cashless request to your insurer even without an MOU. Approved in up to 72 hours. Most cases clear.

If Cashless Is Rejected

Our third-party partner steps in. They verify your policy and independently approve cashless treatment. You don't pay upfront.

✓ Empanelled — What it means

Agreed tariff between AyurVAID and your insurer
Pre-auth submitted within hours of admission
Approval in 3–4 hrs (standard TAT)
Discharge is cashless — no advance needed

↗ Cashless Anywhere — How it works

We submit claim + statutory docs directly to your insurer
A case-specific arrangement is negotiated
Processing up to 72 hrs from complete document receipt
Applicable for most major insurers across India

⚡ Rejection Fallback — Your safety net

Third-party agency verifies your policy independently
Covers both cashless and cashless-anywhere rejections
You can also self-pay and we assist your reimbursement claim
Our team guides you through every document

Does my Insurance Policy Cover Ayurveda Treatment?
India’s first Insurance portal, to help you find your Ayurveda coverage details

Apollo AyurVAID has simplified the process of obtaining information about Ayurveda coverage for your medical insurance policy. Fill in your details to get the specifics of AYUSH coverage in your insurance policy. We are a chain of Ayurveda hospitals approved by a large number of Insurance providers and Third Party Administrators (TPAs).

Cashless Ayurveda Medical Care, Backed by Insurance

Apollo AyurVAID is the 1st and only Ayurveda hospital to win the National Quality Award (2012). With 3 hospitals accredited by NABH, 1 by JCI globally, and the Government of India honouring us with the ‘Best Ayurveda Centre’ Award (2017), quality is ingrained in our ethos. AyurVAID operates 14 centers spanning across Bengaluru, New Delhi, Gurugram, Chennai, Kochi, and Almora. Starting April 1st, 2024,

IRDAI regulations have directed all insurance companies to cover Ayurveda treatments at par with other allopathy treatments for health insurance. This provides a significant benefit for insurers, ensuring reimbursements on equal scales.

Our hospitals are registered under the Government of India’s Registry of Hospitals in Network of Insurance (ROHINI), adhering to the guidelines set by the Insurance Regulatory and Development Authority of India (IRDAI). This ensures that Ayurveda treatments offered at Apollo AyurVAID Hospitals are covered under health insurance policies, particularly, under the AYUSH or Alternative Medicine coverage clause.

Apollo AyurVAID is the new generation of Ayurveda hospitals, pioneering in Precision Ayurveda and leading in quality systems-driven medical care. Our approach is built upon evidence-based diagnosis and meticulously designed protocols.

For those covered by corporate health insurance schemes, we recommend checking with your insurance company or HR department to confirm coverage for AYUSH treatments at Apollo AyurVAID Hospitals.

Contact us today, to discover the comprehensive insurance coverage available for Ayurveda treatments at Apollo AyurVAID Hospitals. Experience the benefits of precision Ayurveda with us and embark on a journey to better health and wellness.

Why It Matters for Your Claim

India's Most Awarded & Accredited Ayurveda Chain

NABH accreditation is mandatory for your insurer to approve a cashless AYUSH claim. Apollo AyurVAID is the only Ayurveda chain that qualifies.

AyurVAID, Domlur-Bangalore: India's 1st NABH accredited Ayurveda Hospital, 2010

1st & Only National Quality Award winner in Ayurveda QCI-DL Shah Award, 2012

1st Ayurveda hospital to be accredited by QAI under Transition Care Centre (TCC), 2023

Honoured with IMC RBNQA National Performance
Excellence Award, 2026 for performance excellence

Government of India Award: India's Best Ayurveda Centre, 2017

ET Best Health Brands: Symbol of Excellence in Healthcare (Asia), 2016

COVID-X- AyurVAIS’s C-Arm DTx tool selected for European Union’s prestigious COVID-X program, 2020

COVID-X: AyurVAID's C-Arm Digital Therapeutics (DTx) tool selected for European Union's prestigious COVID-X program, 2020

VCCircle: Most Promising Healthcare Startup, 2013

YEARS

HOSPITALS

CLINICS

PATIENTS

Cashless treatment accepted with these insurers & TPAs

Third Party Administrators (TPAs)

Frequently Asked Questions on
Health Insurance For Ayurveda

Does health insurance cover Ayurvedic treatments?

Some health insurance plans may offer coverage for Ayurvedic treatments, but it varies among different insurance providers and policies. It's essential to review your policy documents or contact your insurance provider to understand the specifics of coverage for Ayurvedic treatments.

What Ayurvedic treatments are usually covered by health insurance?

Coverage may differ, but generally, health insurance plans may cover consultations, therapies, medicines, and treatments that fall under the scope of Ayurveda. Commonly covered treatments might include Panchakarma, detoxification therapies, etc.

Do I need to choose a specific health insurance plan to get coverage for Ayurvedic treatments?

Some insurance plans offer coverage for alternative or complementary therapies like Ayurveda, while others may not. It's crucial to check the policy details before purchasing to ensure it includes coverage for Ayurvedic treatments.

Are there any limitations or restrictions on the coverage for Ayurveda?

Insurance policies often have limitations on coverage amount, duration, or the number of sessions for specific treatments. Some plans may also require pre-authorization or documentation before covering Ayurvedic treatments.

Will I need a doctor's recommendation or referral for Ayurvedic treatments to be covered by insurance?

Depending on your insurance policy, you may need a doctor's referral or recommendation for Ayurvedic treatments to be covered. Some policies may require proof of medical necessity to approve coverage.

Will my insurance cover Panchakarma treatment?

Health insurance policies cover Ayurveda treatments like Panchakarma if they are taken for a Specific medical condition and not only for wellness.

How do I know if my insurance covers Ayurveda treatment?

To check whether your insurance covers Ayurveda (AYUSH) treatment, you can follow these steps:
1. Retail Policy (individual insurance):
Look at your policy document. If Ayurveda/AYUSH treatments are covered, it will be explicitly mentioned along with the coverage details (such as limits, conditions, or approved hospitals).

2. Corporate Policy (employer-provided insurance):
• Check the policy’s Terms & Conditions section for AYUSH/Ayurveda coverage.
• Contact your company’s SPOC (Single Point of Contact) for insurance or the TPA (Third Party Administrator).
• Alternatively, you can reach out to the insurer’s customer care team for confirmation

Can I use my existing insurance policy for Panchakarma?

Yes, if your policy includes AYUSH/Ayurveda treatment coverage.

Will insurance cover detox or rejuvenation therapies?

No. Treatments taken for wellness, detox, or relaxation are not covered by any insurance.

Do I need to get admitted for insurance?

Insurance covers medical treatment (Allopathy or Ayurveda) only if the patient is admitted to the hospital for at least 24 hours. Ayurveda treatment is not covered on an outpatient or daycare basis without hospitalization.

How many days do I need to stay for Panchakarma?

The duration of stay depends on your condition and the treatment plan given by the doctor.

Can I take treatment in any Ayurveda clinic and claim insurance?

Health insurance policies may cover Ayurveda under AYUSH, but they do not allow claims from just any clinic.
To be eligible for reimbursement or cashless claims, treatment usually must be taken at:

• A government hospital, or
• A government-recognized hospital, or
• A hospital certified by the National Accreditation Board for Hospitals & Healthcare Providers (NABH)

Additionally, many insurers require inpatient treatment (hospitalization). Outpatient treatments are often not covered unless specifically mentioned in the policy.

Do I need a referral from another doctor?

No. Treatment prescribed by a qualified Ayurveda doctor is generally sufficient.

Can I get cashless treatment?

Yes. Cashless treatment is available if the hospital is empaneled with the insurance company or TPA.
As per the new IRDA guidelines effective from April 2024, cashless treatment may also be availed under the “Cashless Anywhere” facility, depending on the insurance company’s policy and approval.
If cashless treatment is not approved, or if the hospital is not part of the network, the patient can still opt for reimbursement. In such cases, the patient pays the hospital bill upfront and later submits the required documents to the insurance company to claim the eligible amount.

Do I need insurance approval before admission?

For cashless treatment, the hospital may send a pre-authorization request to the insurance company prior to or on the day of admission

How long does insurance approval take?

Cashless approval may take a few hours to one day. Reimbursement claims may take a few weeks.

What documents are required for reimbursement?

List of documents required for reimbursement
• Policy copy / Insurance card
• Claim form Part A (filled by patient) • Claim form Part B (filled by hospital)
• Medical reports (test results, diagnosis proof)
• Discharge summary
• Final hospital bill (with details)
• Payment receipt
• Hospital registration / NABH details (hospital proof)
• Indoor case papers

Are medicines covered in the insurance claim?

Medicines are usually covered only if they are given during hospital admission as part of the treatment.

Will room charges be covered in insurance?

Yes, depending on the room rent limit mentioned in your policy.

Will diagnostic tests be covered?

Tests may be covered if they are required for diagnosis during the hospital stay.

Is there a limit for Ayurveda treatment?

Some policies have a specific limit for AYUSH treatments, while others allow claims up to the full sum insured.

Will insurance cover my pre‑existing disease?

If the illness existed before purchasing the policy, it is called a pre-existing disease. Most policies have a waiting period of 2–4 years before such conditions are covered.

What if my policy is new?

Retail/Personal Policy less than 2 years old, Conditions listed under specific/standard waiting period of 24 months are not covered. Coverage becomes eligible after the waiting period is completed.

What if I have company health insurance?

If your insurance is provided by your employer (corporate policy), there will be no waiting period for pre-existing diseases. However, coverage depends on the benefits chosen by the employer. Patients should confirm with their HR department whether AYUSH treatments are covered.

Is cashless insurance available for OPD Panchakarma treatment?

OPD Panchakarma treatments are generally not covered under cashless insurance claims. Most health insurance policies require a minimum of 24 hours hospitalization for treatment to be eligible for reimbursement. However, some policies may offer limited OPD coverage depending on the plan.

If the treatment is part of hospitalization (with at least 24 hours admission), will be eligible for claim under pre- and post-hospitalization benefits, subject to policy terms.

In such cases, the patient usually needs to pay the hospital bill first and then apply for reimbursement. The hospital will provide the required documents, which must be submitted to the insurance company. The insurer will review the documents and reimburse the eligible amount as per the policy conditions.

Who can help me with insurance at the hospital?

Our insurance desk or front office team can guide you regarding Insurance coverage, documentation, admission requirements, and claim procedures.

Patients are requested to carry their insurance card and policy documents when visiting the hospital. The insurance card provides basic policy details, while the policy wording document helps us understand the coverage, limits, and conditions in detail, enabling us to guide you more accurately about the claim process Note: Insurance approval and reimbursement are subject to the terms and conditions of the patient's insurance policy.

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Cashless, Stress-Less Ayurveda Treatment

Cashless, Stress-Less Ayurveda Treatment

OUR CASHLESS PROMISE

We Find a Way to Make It Cashless, Every Time

✓ Empanelled — What it means

↗ Cashless Anywhere — How it works

⚡ Rejection Fallback — Your safety net

Why It Matters for Your Claim

India's Most Awarded & Accredited Ayurveda Chain

AyurVAID, Domlur-Bangalore: India's 1st NABH accredited Ayurveda Hospital, 2010

1st & Only National Quality Award winner in Ayurveda QCI-DL Shah Award, 2012

1st Ayurveda hospital to be accredited by QAI under Transition Care Centre (TCC), 2023

Honoured with IMC RBNQA National Performance
Excellence Award, 2026 for performance excellence

Government of India Award: India's Best Ayurveda Centre, 2017

ET Best Health Brands: Symbol of Excellence in Healthcare (Asia), 2016

COVID-X: AyurVAID's C-Arm Digital Therapeutics (DTx) tool selected for European Union's prestigious COVID-X program, 2020

VCCircle: Most Promising Healthcare Startup, 2013

Book An Appointment

Search

Cashless, Stress-Less Ayurveda Treatment

Cashless, Stress-Less Ayurveda Treatment

OUR CASHLESS PROMISE

We Find a Way to Make It Cashless, Every Time

✓ Empanelled — What it means

↗ Cashless Anywhere — How it works

⚡ Rejection Fallback — Your safety net

Why It Matters for Your Claim

India's Most Awarded & Accredited Ayurveda Chain

AyurVAID, Domlur-Bangalore: India's 1st NABH accredited Ayurveda Hospital, 2010

1st & Only National Quality Award winner in Ayurveda QCI-DL Shah Award, 2012

1st Ayurveda hospital to be accredited by QAI under Transition Care Centre (TCC), 2023

Honoured with IMC RBNQA National PerformanceExcellence Award, 2026 for performance excellence

Government of India Award: India's Best Ayurveda Centre, 2017

ET Best Health Brands: Symbol of Excellence in Healthcare (Asia), 2016

COVID-X: AyurVAID's C-Arm Digital Therapeutics (DTx) tool selected for European Union's prestigious COVID-X program, 2020

VCCircle: Most Promising Healthcare Startup, 2013

Book An Appointment

Honoured with IMC RBNQA National Performance
Excellence Award, 2026 for performance excellence