Inclusion of Ayurveda/Homoeopathy in Mediclaim Insurance

Insurance Regulatory and Development Authority (IRDA) has informed that the insurance coverage to AYUSH treatments has been facilitated through the Regulation 5 (1) of the IRDA (Health Insurance) Regulations, 2013 which are published in the official gazette and came into force with effect from 18.02.2013.

As per this regulation the insurers may provide coverage to non-allopathic treatments provided the treatment is taken in a Government hospital or in any institute recognized by Government and/or accredited by Quality Council of India/National Accreditation Board on Health or any other suitable institutions.

Insurance companies like National Insurance Company, Star Health and Allied Insurance Co. Ltd, L&T General Insurance Co. Ltd, are offering insurance cover for AYUSH.

This was stated by Minister of State for Finance, Shri Namo Narain Meena, in written reply to a question in the Lok Sabha today. [Source]


  1. what about private clinics? will patients get insurance cover for consultation and medicine if they take treatment from private homoeopathic doctors?

  2. What about private homoeopathic clinics. whether insurer can get money if he taken private homoeopathic treatment.

  3. A long waited welcome decision , but with a rider ??.
    A suggestion: let Homoeopathy be the first line of treatment – all claimed should follow this — I am sure the financial burden of insurance companies would drastically reduced

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