AYUSH Day Care Centre
What it means, and what it does to a claim.
A registered centre providing Ayurveda, Yoga, Unani, Siddha or Homeopathy treatment — from a community health centre or dispensary up to a polyclinic.
Why it matters
AYUSH cover is now standard rather than an add-on, but it is conditional on the facility being registered and meeting the definition. Treatment by an unregistered practitioner, however well regarded, is outside the policy. If you intend to use AYUSH, confirm the centre qualifies before treatment rather than at the claim.
The legal definition
AYUSH Day Care Centre means and includes Community Health Centre (CHC), Primary Health Centre (PHC), Dispensary, Clinic, Polyclinic or any such health centre which is registered with the local authorities, wherever applicable and having facilities for carrying out treatment procedures and medical or surgical / para-surgical interventions or both under the supervision of registered AYUSH Medical Practitioner(s) on day care basis without In-Patient services and must comply with all the following criterion: a. Having qualified registered AYUSH Medical Practitioner(s) in charge; b. Having dedicated AYUSH therapy sections as required and / or has equipped operation theatre where surgical procedures are to be carried out; c. Maintaining daily records of the patients and making them accessible to the insurance company's authorized representative.
Quoted verbatim from an IRDAI-filed policy wording. Definitions are standardised across insurers, but the limits attached to them are not — always read your own policy schedule.
Related terms
- Day Care Centre — A registered medical facility set up for day-care treatment, with qualified staff and a supervising medical practitioner, but without in-patient beds.
- Hospital — An institution registered with the local authorities as a hospital.
- Hospitalization — Being admitted to a hospital as an in-patient for at least 24 consecutive hours — except for procedures on the day-care list, which are covered in less.
- Medical Practitioner — Someone holding a valid registration with a State or national Medical Council, whether allopathic, Indian medicine or homeopathy.
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.