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Is Health Insurance Covered For Orthopedic Surgery?

Published On Mar 24, 2022 10:00 AM By InsuranceDekho

In India, orthopedic health problems have grown fairly widespread. They are no longer limited to the elderly, but are now being diagnosed more frequently among younger individuals as a result of their sedentary lifestyle. The work-from-home policy implemented during the COVID-19 pandemic has only made people's lives worse. Minor orthopedic disorders can be managed with medicine, exercises, and physiotherapy, while severe instances may require surgery.

Is Health Insurance Covered For Orthopedic Surgery?

Orthopedic Surgery

The hip, shoulders, knees, wrists, and other joints of the human body are the most common sites for orthopedic surgery. On the skeletal and muscular layers of the body, the treatment is performed. It's used to treat inherited or acquired disorders, as well as injuries and accidents. The surgery includes ligaments, tissues, tendons, and other soft tissues as well as the skeletal system of the human body. Orthopedic surgery can be performed using either open or arthroscopic techniques. Among the most common orthopedic procedures include arthroplasty, joint surgery, bone fracture repair, and a range of additional procedures.

Common Types Of Orthopedic Surgeries

The knee, spine, hip, shoulder, ankle, wrist, and elbow are all common places for orthopedic surgery. The following are a some of the most popular orthopedic procedures:

  • Arthroscopy of the joints
  • Repairing a bone fracture
  • Repairing soft tissue
  • Osteotomy
  • Fusion of the spine
  • Arthroplasty
  • Bones coming together

Costs Incurred Due To Orthopedic Surgery

Orthopedic surgery can be costly, which is why it is crucial to research health insurance policies that cover it. There are expenditures for pre-hospitalization, consulting fees, medical testing, and more, in addition to the surgery itself. You may need to seek a second opinion before proceeding with the operation, which can add to the overall cost of the procedure. Additionally, orthopedic surgery encompasses a wide range of procedures. They do not, however, all have the same price. Overall, orthopedic surgery is a pricey procedure that necessitates the help of a health insurance company.

Does Health Insurance Cover Orthopedic Surgery

Orthopedic surgery is considered a medical procedure, thus most health insurance carriers cover it. Health insurance coverage normally covers not just the cost of the surgery but also all connected charges. Nursing fees, ambulance fees, and other such expenses are commonly covered by health insurance coverage. Surgical implants are frequently covered by health insurance policies and are sometimes included in orthopedic operations. Depending on the extent of the policy and the amount insured under it, health insurance coverage may cover the surgery totally or partially. Orthopedic surgery is covered by most health insurance plans, but there is usually a waiting time. Even if their health insurance policy covers the procedure they are having, the policyholder cannot make any claims against it during the waiting time. Depending on the type of surgery covered and the insurance carrier, the waiting period could last anywhere from 1 to 2 years or longer. The waiting period is lengthier if it is a pre-existing condition, and it might last up to four years. 

Take Away

Health insurance policies do, in fact, cover orthopedic surgery. However, like with all health insurance policies, the breadth of coverage varies depending on the policy and the insurance provider. Always carefully examine the terms and conditions of a health insurance policy to ensure that you understand exactly what it covers and what it will provide. Having a comprehensive health insurance policy that covers all of your worries means less stress and financial hardship when you need it most.

Also read- Get a healthcare plan that includes a preventive guide.

If I am unable to pay my premium on time, how can I renew my health insurance policy?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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