The coverage of alternative medicines is dependent on the particular insurer. Some health insurers cover only Ayurvedic treatments while some cover all of them. There is also a cap on the amount covered which usually ranges from 7.5% to 25% of Sum Assured.

Ayurveda has many treatments which are for rejuvenation of the body which are not covered by the health insurer to avoid any misuse by the insured. The Ayurvedic treatments covered by health insurer are dependent on the health insurer.

Health Insurance Covering Ayurvedic Health Care

Chola MS Advanced Individual Healthline plan covers Ayurvedic therapy treatments up to 7.5% of Sum Insurer and also has 20% co-payment clause.

Star Health Medi Classic plan covers non-allopathic treatment up to 25% of Sum Insured subject to maximum of INR 25,000 per policy period.

Apollo Munich Insure health plan covers alternate medicines under Ayush benefit which includes Ayurveda, Unani, Sidha and homeopathy for amount up to 10% of Sum Insured.

HDFC Ergo Health Suraksha plan also covers Ayush benefits up to 20% of Sum Assured.

Though traditional medicines are being covered by the new health insurance plans, there are still few exclusions. One should verify the treatments covered before buying a particular health insurance policy