What is a AYUSH cover?
AYUSH cover pays for in-patient treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems. Many modern health plans include AYUSH hospitalisation, often at recognised or government-registered facilities, sometimes up to a sub-limit rather than the full sum insured.
What AYUSH cover includes
AYUSH benefits typically apply to in-patient treatment at qualifying AYUSH hospitals or recognised centres. The condition and admission still need to be genuine hospitalisation, not routine wellness visits.
Some policies cover AYUSH up to the full sum insured, others cap it at a sub-limit. Facility recognition requirements vary, so eligibility depends on where you are treated.
Example
A policyholder is admitted for Ayurvedic in-patient treatment at a recognised AYUSH hospital. If the plan covers AYUSH within its terms, the admissible cost is claimable, possibly up to a sub-limit.
Common mistakes
- Assuming AYUSH cover extends to wellness or OPD visits — it generally applies to in-patient treatment.
- Getting treated at a facility that does not meet the policy's recognition criteria.
Frequently asked questions
Is AYUSH treatment covered up to my full sum insured?
Some plans cover it up to the full sum insured, others apply a sub-limit. Check your policy's AYUSH clause for the exact cap and facility conditions.
Does AYUSH cover outpatient therapy?
Usually the benefit is for in-patient AYUSH hospitalisation. Routine outpatient therapy is generally not covered unless the plan specifically says so.