Yes
AYUSH means ‘Ayurveda, Yoga, Unani, Siddha and Homeopathy. AYUSH is an Indian Traditional System of Medicine also known as Alternative system of Medicine. Insurance Regulatory and Development Authority of India (IRDAI) in 2013 asked insurance providers to cover treatment based on these AYUSH methods.

To promote and regulate alternative systems of medicines (AYUSH), the Government of India formed a special ministry, the Ministry of AYUSH, in 2014. The medicines used for AYUSH treatments have minimal or no side-effects as they are made of natural ingredients. Considering the rise in popularity of AYUSH (Alternative) treatments, the Insurance Regulatory and Development Authority of India (IRDAI) directed all insurance companies to include AYUSH treatments in their health insurance policies. Many health insurance providers are now offering policies with AYUSH benefits that cover treatments, therapies and medicines.
Benefits of AYUSH Treatment
It is an Ancient Traditional Indian Medicine & Science.
It is considered the best alternative for those who have allergic reactions to allopathy, especially elderly people.
Holistic approach towards healthcare focuses not just on recovery but the overall wellbeing of the patient.
Yoga and meditation are quite helpful in controlling or eliminating lifestyle-related issues like infertility, cancer, diabetes, hypertension, obesity etc
This treatment aims to eliminate the root cause of the disease instead of finding makeshift solutions..
AYUSH treatments aim for disease cure and are relatively less expensive and likely to have lesser side effects.

Anyone who has opted for AYUSH cover while purchasing their health insurance policy can avail AYUSH benefits.

No. All medical expenses incurred only for in-patient treatment under AYUSH will be covered provided the treatment must be done at a healthcare institution recognized by the Health Ministry ( CEA License, it means Clinical Establishment Act) and/or with NABH certification.

No. Even if AYUSH centers are listed in Insurance Network Hospitals, Insurer who underwent AYUSH treatments should submit all medical bills and supportive documents post treatments and go for reimbursement. Cashless facility is not available for AYUSH treatments

Any healthcare who doesnt have with CEA license or NABH certification
Health claims will not cover expenses if the insurer has not been hospitalized for at least 24 hours.
Daycare procedures, pre and post hospitalisation charges, and outpatient medical expenses while undergoing alternative treatment are excluded.
Relaxation & rejuvenation treatments that are not medically necessary won’t be covered.
Hospitalisation expenses for only evaluation or investigation are excluded.

All ALM AYUSH centers are recognised by the Government and possess CEA License so that the Insurer and Policy Holders can benefit from reimbursement of medical expenses. Insurer who wishes to get the reimbursement must undergo the entire Ayurveda & Panchakarma Therapies duration with IP (Inpatient) admission. At ALM AYUSH, we have an IP facility available.
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