As we are aware, most of the health insurance policies only cover allopathic treatment but other form of treatments like ayurveda, homeopathy, etc were not covered. And we all know that, now days people are moving to these so called ‘less harmful’ form of treatment esp when it comes to chronic ailments like spondilytis, arthritis and epilepsy but again even these treatments are not very ‘cheap’.
So for the relief of those, few insurance companies have included such alternative forms of treatment under their cover, especially ayurveda. Though it has been limited to individual or govt. scheme or corporate policy from company to company but yes the first step has already been taken. And ofcourse, there are limits on the amount which can be claimed.
Naturopathy treatments are excluded in all policies, while few cover unani and homeopathic. This is because other forms of treatments have no standard treatment protocols and highly varied costs thus making it difficult to actuarially compute the cost to be covered. Even under ayurveda, select procedures are covered to ensure people do not misuse a policy for a basic rejuvenation procedure.
It is important to note that there is no standalone cover available for covering alternative treatments. You will have to buy a standard health insurance cover from these select insurers and others who start offering the non-allopathic coverage.
Before you head for alternative treatment and make a claim, see whether the treatment is listed in the insurance policy document. Insurers are particular about the specific treatments covered.
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