PARLIAMENT QUES / ANS– Ayush Insurance Networks

As per the Master Circular on Health Insurance Business dated 29.05.2024 issued by the Insurance Regulatory and Development Authority of India (IRDAI), insurers are required to make available products/add-ons/riders providing wider choice to policyholders by covering all systems of medicine, including Ayush. Further, insurers are required to have a Board-approved underwriting policy to ensure that Ayush treatments are covered at par with other systems of medicine, in accordance with the applicable regulatory framework, thereby providing policyholders with an option to choose treatment of their choice.

The coverage and reimbursement of specific Ayush treatments are subject to the terms and conditions of the respective health insurance policies and the applicable regulatory framework.

Further, the Ministry of Ayush has revised the Benchmark Rates for Insurance Coverage of Ayush Treatments in 2026, incorporating standardized treatment packages, additional procedures and related operational guidelines, to promote standardization and transparency in the insurance coverage of Ayush treatments.

This information was given by Union Minister of State (I/C) for Ayush, Prataprao Jadhav in a written reply in Lok Sabha today.(UPDATED ON 31ST JULY 2026)