Ayush Insurance Networks
Issued by AYUSH
Read or download the official PDF of this gazette notification issued by the AYUSH on 31st July 2026. Classified under Press Release.
Executive Summary & Key Takeaways
Executive Summary The document outlines initiatives to integrate Ayush treatments into mainstream health insurance, following the IRDAI Master Circular dated 29.05.2024. Key developments include the revision of benchmark rates in 2026, the signing of a Memorandum of Understanding (MoU) on 16 April 2026 for hospital empanelment, and the establishment of a dedicated Project Management Unit (PMU). These measures aim to standardize Ayush insurance coverage and ensure it is treated at par with other medical systems.
Key Points / Main Content
Regulatory Framework
- Per IRDAI’s 2024 Master Circular, insurers must offer products covering all systems of medicine, including Ayush.
- Insurers are required to implement Board-approved underwriting policies to ensure Ayush treatments are covered at par with other medical systems.
- Coverage and reimbursement remain subject to specific policy terms and applicable regulatory frameworks.
Standardization and Transparency
- The Ministry of Ayush revised the "Benchmark Rates for Insurance Coverage of Ayush Treatments" in 2026.
- This revision incorporates standardized treatment packages, additional procedures, and operational guidelines to promote transparency.
Capacity Building and Training
- Five sensitization programmes were conducted at various national institutes (ITRA, AIIA, NIUM, NIS, and NIH) for insurance companies and stakeholders.
- Focus areas included registration on the Registry of Hospitals in Network of Insurance (ROHINI), digital documentation, and claim processing procedures.
Strategic Partnerships and Infrastructure
- An MoU was signed between the Ministry of Ayush (via AIIA) and the General Insurance Council (GIC) to facilitate the common empanelment of all Union and State Government Ayush Hospitals.
- A Project Management Unit (PMU) for Ayush Health Insurance has been established at the All India Institute of Ayurveda (AIIA) in New Delhi.
- The PMU provides technical and administrative support for empanelment, coordinates between insurers and providers, and assists in grievance redressal.
Impact Analysis
Insurers (General Insurance Companies) Impact Insurers are now mandated to provide Ayush coverage at par with other systems and must align their underwriting policies accordingly. Action Required Must develop Board-approved underwriting policies, register with the PMU for hospital empanelment through the GIC, and participate in sensitization programmes.
Government Ayush Hospitals (Union and State) Impact These institutions will gain better accessibility to the insurance market through a common empanelment process with the GIC. Action Required Must register on the ROHINI platform, adopt digital documentation requirements, and follow standardized claim processing procedures.
Policyholders (The Public) Impact Policyholders gain a wider choice of treatment options and better access to Ayush healthcare services under their insurance plans. Action Required Review individual health insurance policy terms and conditions to understand specific coverage and reimbursement limits for Ayush treatments.
Ministry of Ayush / Project Management Unit (PMU) Impact Acts as the central facilitating body for empanelment, coordination, and grievance redressal. Action Required Continue providing technical support, coordinate stakeholder activities, and promote the wider adoption of Ayush health insurance initiatives.