Ayurveda medicine and health insurance

Now we shall look into an entirely new field in ayurveda that is health insurance .I am sure many of you would be covered by medical insurance policies ,and rightly you would have a doubt whether your treatments would be covered by these insurance policies .Unfortunately not all treatments are covered.
Lets have a detailed look at the insurance scenario in India first
Hope you know how these companies work ,there are companies where you buy policies like icici lombard,bajaj alliance ,Ttk healthcare etc ,these are called tpa or third party administrator
And there are companies which would cover the policies

The IRDA (Insurance Regulatory Development Authority has recognized the following companies in India)



National Insurance Company

New India Assurance

United India Insurance

ICICI Lombard

Tata AIG

Royal Sundaram

Star Allied Health Insurance

Cholamandalam DBS

Bajaj Allianz Apollo

AG Health Insurance Company

Insurance industry in India has witnessed a sea of change since the opening of the sector for private participation. Most of these insurance companies have appointed TPA(Third Party Administrator) and the best thing to happen on the service front is introduction of third party administrators. The introduction of this new breed of intermediaries in the sector will benefit both the insured and the insurer. While the insurers are benefited by reduction in their administrative costs the insured is benefited by better service.
Now lets come to Ayurveda ,what happens is all these policies are designed for allopathic system of medicine ,unfortunately we cant apply the same standards to ayurveda,And all these companies have allopathic doctors to evaluate the insurance claims ,they cant do this properly ,now companies have introduced the ayurvedic doctors as staff ,But the funny thing is even these doctors have to work on rules designed for allopathic medicine,So they blindly refuse to process the claims or process the claims that are not genuine .
Ensure with your tpa whether they cover ayurvedic treatments before taking a policy.That way you make full use of the money you pay ,In today consumer driven world ,consumer is the king when many ask whether they cover ayurvedic treatments these companies would be compelled to include Ayurvedic treatmnents in their policies .As of now only a selected few companies cover ayurvedic treatments in their policy.