Insurance coverage

Government pushes to make insurance coverage of AYUSH treatments on par with allopathy

The Ministry of Ayush is reportedly in talks with the Insurance Regulatory and Development Authority of India (IRDAI), to ensure that insurance coverage for Ayush treatments is “equal” to insurance coverage for allopathy

Ayush Ministry Pushes to Expand Scope of Ayush Treatment Insurance Coverage

As more and more people opt for alternative treatment and cure, health insurance companies have also started to include AYUSH treatment in their conventional health insurance policies. Now, the Ministry of Ayush is reportedly in talks with the Insurance Regulatory and Development Authority of India (IRDAI), to ensure that the insurance coverage of Ayush treatments is “equal” to the insurance coverage for allopathy.

And, further, the ministry is trying to push “to expand the scope of insurance coverage and the criteria for incorporating AYUSH hospitals and daycares.”

According to a report by News18, Rajesh Kotecha, Ayush’s ministry secretary, said they were in talks with the Insurance Regulatory and Development Authority of India (IRDAI) over the matter.

In 2013, the IRDAI had included the AYUSH treatment, which combines ayurveda, yoga, unani, siddha and homeopathy, with specific provisions in the health insurance regulations. Three years later, in September 2016, the ministry issued guidelines to facilitate insurance coverage for AYUSH treatment and the settlement of claims based on referral rates for various therapies, interventions and treatment packages.

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Therefore, 140 insurance products covering one or more Ayush treatment systems are offered by 27 general insurance companies and stand-alone health insurance companies.

IRDAI allows insurance companies to cover non-allopathic treatment if the treatment was performed in a government hospital or any institute recognized by the government or accredited by the Quality Council of India or other listed institutes.

The government is now urging companies to provide more benefits as many policies do not cover day treatment costs, post-hospitalization and pre-hospitalization costs or outpatient expenses. Companies sell these policies by marketing Ayush as a treatment that produces results without surgery or invasive treatments.