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/AYUSH Treatment
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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What is AYUSH Treatment in health insurance?
Covers hospitalisation for treatment through traditional Indian systems of medicine - Ayurveda, Yoga, Unani, Siddha, and Homeopathy - at recognised centres. If you prefer traditional medicine for managing chronic conditions or post-illness recovery, your insurer pays for it just like a regular hospital stay.
Also called: AYUSH cover · Ayurveda treatment cover · homeopathy treatment cover
Every plan, ranked11 · 11 standard
Star HealthStandardStar ComprehensiveCovered up to full Sum Insured
Standard
AYUSH in-patient treatment - Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy - is payable up to your full Sum Insured.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient + Day Care
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
Yoga and Naturopathy claims need the company's approval before treatment. A qualifying AYUSH Hospital is defined narrowly: a government or teaching AYUSH hospital, or a registered AYUSH hospital with at least 5 in-patient beds and an AYUSH doctor in charge round the clock.
ICICI LombardStandardElevateCovered up to full Sum Insured
Standard
AYUSH hospitalisation - Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy - is part of the base cover with no separate cap, so it is paid from your full Sum Insured like any other hospital stay. Day care at an AYUSH day care centre counts as well. The treatment must be taken at a Government-recognised AYUSH hospital or AYUSH day care centre.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient + Day Care
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
The grant says 'Government Recognized', while the definition of an AYUSH Hospital also admits a standalone AYUSH hospital registered with the local authorities, with at least 5 in-patient beds. Confirm which reading applies to your centre before you are admitted. If you buy the 2-Hour Hospitalization add-on, the shorter 2-hour rule does not reach AYUSH - a stay of 24 hours is still needed.
Care HealthStandardCare AdvantageCovered up to full Sum Insured
Standard
Hospitalisation under Ayurveda, Yoga, Naturopathy, Siddha, Unani and Homeopathy is covered up to your full Sum Insured. The treatment must be taken at an AYUSH hospital or health care facility in India.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient + Day Care
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
The policy sets its own test for an AYUSH hospital: at least 5 in-patient beds, a qualified AYUSH practitioner in charge round the clock, and daily patient records. Many small Ayurveda and Panchakarma centres do not meet that, so confirm the facility before admission. Out-patient AYUSH and treatment outside India are not covered.
Aditya BirlaStandardActiv One · VYTLCovered up to full Sum Insured
Standard
Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are covered at actuals up to your full Base Sum Insured, with no separate AYUSH cap. The treatment must be in-patient care taken at a registered AYUSH Hospital or AYUSH Day Care Centre.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient + Day Care
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
The cover is for in-patient AYUSH care, so an out-patient Ayurveda or Homeopathy course is not paid. The centre must meet the policy's AYUSH Hospital standard, which includes at least 5 in-patient beds and a qualified AYUSH practitioner in charge round the clock.
Star HealthStandardSuper StarCovered up to full Sum Insured
Standard
In-patient AYUSH treatment is paid up to your full Sum Insured, with no separate AYUSH cap, across Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy. You have to be admitted in a centre that meets the policy's AYUSH Hospital definition. Yoga and Naturopathy claims need the Company's approval first. AYUSH care taken without an admission is not paid.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient Only
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
The centre must qualify as an AYUSH Hospital: at least 5 in-patient beds, a qualified AYUSH doctor in charge round the clock, and daily patient records. Many small clinics do not meet that bar, so check before admission. AYUSH treatment at home is paid only under Domiciliary Hospitalisation, which needs care running for more than three days.
HDFC ERGOStandardOptima RestoreCovered up to full Sum Insured
Standard
In-patient AYUSH treatment is paid from your full sum insured, with no separate AYUSH cap, across Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy. Cover runs only when you are admitted as an in-patient in an AYUSH Hospital. Any AYUSH expense that is not in-patient care is not paid at all.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient Only
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
The centre must qualify as an AYUSH Hospital under the policy definition: at least 5 in-patient beds, a qualified AYUSH doctor in charge round the clock, and daily patient records. Many small clinics do not meet this, so confirm the hospital qualifies before you are admitted. Outpatient AYUSH care is not paid at all.
Star HealthStandardFamily Health OptimaCovered up to full Sum Insured
Standard
In-patient AYUSH treatment is paid up to your full Sum Insured, with no separate AYUSH cap. The stay must be in an AYUSH Hospital as the policy defines it, so a centre without in-patient beds does not qualify.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient Only
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
Get the company's approval before a Yoga or Naturopathy admission - the clause asks for it before treatment, not after discharge. Out-patient and day-care AYUSH sessions are not paid; only an in-patient stay is. AYUSH also counts under the home-treatment benefit when the treatment runs for more than three days.
Care HealthStandardCare SupremeCovered up to full Sum Insured
Standard
In-patient AYUSH treatment - Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy - is paid up to your full sum insured, with no separate sub-limit. The treatment must be taken in India at an AYUSH Hospital as the policy defines it, and the claim must also qualify under Hospitalization Expenses.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient Only
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
Only in-patient AYUSH admission is paid; OPD therapy sessions and clinic visits are not covered. The AYUSH Hospital definition asks for at least 5 in-patient beds and a qualified AYUSH practitioner in charge round the clock, so many small centres will not qualify.
Star HealthStandardStar Health AssureCovered up to full Sum Insured
Standard
In-patient treatment under Ayurveda, Unani, Siddha and Homeopathy is paid up to your full Sum Insured, with no separate rupee cap. Yoga and Naturopathy claims are paid only if the company approves them first. You must be admitted to an AYUSH Hospital as the policy defines it. AYUSH also counts under domiciliary hospitalisation.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient Only
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
Yoga and Naturopathy need the company's approval before treatment, so call them before you start. The hospital must meet the policy's AYUSH Hospital definition - at least 5 in-patient beds and a qualified AYUSH practitioner in charge round the clock. A small local clinic that misses this bar means you pay the whole bill from your own pocket.
HDFC ERGOStandardOptima Secure · Optima-SelectCovered up to full Sum Insured
Standard
Inpatient treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy is covered up to the full sum insured on every plan. On the two Global plans, AYUSH treatment also extends to hospitalisation outside India.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient Only
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
The treatment must be taken as an inpatient in an AYUSH Hospital, so OPD visits and day-care sessions with an Ayurvedic or Homeopathic doctor are not paid.
Niva BupaStandardReAssure 3.0 · ClassicCovered up to full Sum Insured
Standard
AYUSH treatment sits inside the main hospitalisation benefit on every plan and is paid up to the full Sum Insured, with no separate cap. All six streams count.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
AYUSH Streams CoveredAyurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy
Treatment Type CoveredIn-patient Only
Expense limitCovered up to full Sum Insured
Facility RequirementRecognised AYUSH Hospital Only
Watch out
Allopathic treatment is payable after 2 hours of admission, but AYUSH needs a full 24 hours. The hospital must have at least five in-patient beds, a round-the-clock AYUSH practitioner in charge, and an NABH or NQAS certificate - many neighbourhood clinics do not qualify.
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Or read one we prepared for AYUSH TreatmentSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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