As per the directions of IRDAI in 2013, health insurance companies started covering Ayurvedic, Yoga and naturopathy, Unani, Siddha and Homeopathy treatments (known as AYUSH) in their health insurance covers.
Health insurance plans in India provide a portion of overall Sum Insured (SI) towards these alternative treatments as they are popular in India. The health insurers usually sub limit the SI for AYUSH as a percentage or an absolute limit of the overall SI.
If you have a health insurance policy with a Sum Insured of Rs.5,00,000/-, the policy will sub-limit the AYUSH cover for eg. to 10% of SI or an absolute value of Rs.50,000/-. So, the insured person can avail a reimbursement of any claims related to the said alternative treatments up to a limit of Rs.50,000/-
It is to be noted that AYUSH cover is applicable only for in-patient treatments taken in Hospitals certified by National Accreditation Board or Quality Council of India.