Piles Procedure Cost, ICICI Lombard Insurance Coverage & Claim Process.
4 months ago
I have medical insurance (ICICI Lombard corporate policy) and I want to understand how much of the Piles procedure cost will be covered. I would like to know the approximate cost if insurance is not used, whether the full amount can be claimed, and what extra charges I may need to pay from my pocket. I also want clarity on non-medical expenses, the insurance process (pre-admission, post-paid claims), what documents are required, whether I will receive a medical certificate, and when I can expect an update.
Answers (1)
Since you have a corporate insurance policy, the procedure can be claimed almost fully through insurance. Normally, the cost without insurance would be around ₹1.6–1.65 lakh, but with insurance, about 99% of the amount is covered. You only need to pay non-medical expenses, usually around ₹2,000–₹3,000, which include items like disposable kits and materials not covered by insurance.
The process involves pre-admission approval, followed by post-paid claims after admission and reports, and the hospital coordinates most of this directly with the insurer.
You will need to share your insurance card and policy details, and since you are the policyholder, the process is straightforward. A medical certificate will be provided, and you will be contacted with updates once the insurance steps are initiated.
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