SSANH was among the very first few Ayurveda hospital in India approved for cashless treatment by insurance companies, Third party administrator or government schemes like CGHS. SSANH is also registered under Registry of hospitals in network of insurance (ROHINI) as per the Insurance regulatory and development authority (IRDA) guidelines. SSANH is accredited by National Accreditation Board for Hospitals (NABH) as ayurvedic institution with high standard for providing treatments and facilities to the patients. 

We at SSANH believe that patients should be able to avail the maximum benefit of the health insurance provided by the efforts of AYUSH ministry for availing the best Ayurveda treatment in India. We as a treatment provider/ hospital are trying our best to help patients understand about the benefit of insurance plans covering Ayurveda treatments providing reimbursement or cashless facilities. 

1. Check if the patient’s insurance provider covers AYUSH treatments or if they have taken Arogya sanjeevani policy made by IRDAI. If patients do not have Arogya sanjeevani policy then they can also mention SSANH being NABH accredited in case of insurance companies only cover such hospitals. 
2. Once the possibility of insurance coverage is confirmed, kindly submit all the reports at enquiry@ssanh.com requesting to consult Dr.Sanand
3. Patients should follow the guidelines shared in the response mail by SSANH for consultation with Dr.Sanand
   NOTE* In case you do not receive an e-mail contact SSANH at +91-75940 03003
4. Once the consultation is complete, patients can share their tentative date of arrival, insurance plan details, residential address, a brief description of the consultation with Dr.Sanand over an e-mail addressing Mrs. Rashmi requesting the invitation letter. 

Cashless claim: We will submit a report to the insurance company on the basis of the submitted documents and the insurance company will communicate the claim details to the patients directly
Insurance claim with cash: We will send you an invitation letter based on the documents submitted to us, patients can submit the same to their insurance provider who will convey the claim amount to the patient.

You can avail yourself of the cashless treatment without any worries.

Note*We advise patients to discuss their insurance plan, claim possibility, and the documents required to be submitted with their insurance agent before sending us the invitation request. 

Below is the list of diseases categorized by the AYUSH government for which an individual can claim insurance at SSANH:

Note*

1. Duration of treatment varies depending on the comorbidity, so, it is possible to add a few days to the duration of the main complaint. 
2. The disease mentioned are not the only one which is covered, it is just to give you an idea, there are many more diseases mentioned by AYUSH department which can be covered under insurance. 

What are the types of insurance companies covering Ayurveda treatments? 

Today almost all the insurance providers cover Ayurveda treatments, they differ on the basis of their policy with respect to insurance claim amount, claim rate and mode of claim settlement. There are two category of insurance providers covering Ayurveda treatments:  

• Self-managed: These types of organisations not only provide insurance coverage but also administer the claims reimbursement as an inhouse process.

• Complete treatment claim: There are companies and organisations providing complete reimbursement against the total bill of the ayurvedic treatment. Few of these companies are: 

Max Bupa health reassure, Edelweiss Manipal pro health protect, HDFC Ergo (optima restore, Suraksha silver and gold), ICICI Lombard. TATA AIG, Religare 

• Partial Payment claims: There are companies and organizations providing partial reimbursement against the total bill of the ayurvedic treatment. A few of these companies are:
  Star Health (comprehensive and Medi classic), Aditya Birla diamond Care, Oriental insurance, Future Generali, Chola Mangalam, Apollo Munich 

1. Third-Party Administrator: These types of organizations only provide insurance coverage but outsource the administration of the claim’s reimbursement to any third-party company. A few of these companies are:

Royal Sundaram, Reliance, Bajaj Allianz, United India Insurance, The New India Insurance, National insurance, Vidal health, Medi assist, Paramount health, Medi assist, United healthcare.

We are registered under the panel of hospitals mentioned in CGHS which helps retired central government employees to avail cashless treatment at SSANH with just their CGHS card and working central government employees to reimburse the amount of treatment from their office under the CGHS. The procedure to claim Ayurveda treatment for central government employees through CGHS is as follows: 

1. Submit all the reports at enquiry@ssanh.com requesting to consult Dr.Sanand
2. Follow the guidelines shared to the patients in the response mail for consultation with Dr. Sanand
   NOTE* In case patients do not receive an e-mail contact SSANH at +91-75940 03003
3. Once the consultation is complete, share the tentative date of arrival, CGHS card scan, a brief description of the consultation with Dr.Sanand on mail addressing Mrs. Rashmi requesting for the invitation letter.
4. Working central government employees need to check if their office requires any formalities to permit undergoing treatment other than referral and a letter from the CMO of their local dispensary or registered institution to avail Ayurveda treatment at SSANH.
   Retired central government employees can just get a written referral and a letter from the CMO of their local dispensary or registered institution to avail Ayurveda treatment at SSANH. 

For Working central government employees, once the treatment is complete and the payment is made by the patients, we will submit the bill to the patients with all the required documents to be submitted. Patients can then submit all the documents along with the bill to their institution for reimbursement.
For Retired central government employees, once the treatment is complete, they need not pay anything at our center. We will submit the claim to the government institution with all the required documents along with a copy of the CGHS card owned by the retired employee.

Note* 

• If we need any information and document for the process of treatment claim, kindly cooperate and provide the required information with urgency. 

If you are not able to understand the possibility of claim, you can kindly contact us CLICK HERE and we will help you with the insurance claim related to Ayurveda.

Yes, you can claim insurance for the ayurvedic treatment at SSANH from Third party administrator, insurance companies and governments schemes such as CGHS. 

Earlier reimbursement of costs related to AYUSH treatment use to happen only at government authorized treatment centres whereas outpatient treatment costs and consultation costs were not covered under the same. Treatment undertaken at any healthcare facility which was not an approved institution was also not covered under AYUSH treatment. Today, companies are launching insurance plans for private hospitals along with government hospitals with a possibility of reimbursement and cashless treatment.