Cost Covered Under Health Insurance/Mediclaim Policy for Adenoids Removal Surgery
Generally, health insurance covers most of the standard expenses of the procedure. These include:
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In patient hospitalization
In-patient hospitalization charges consist of all the expenses that occur during hospitalization. These charges include doctor’s consultation fees, ICU room charges, follow-ups charges, nursing charges, etc. If the hospitalization charges are covered under your insurance then these charges will also be covered.
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Pre hospitalization charges
Pre hospitalization charges include all the expenses that occurred before the hospitalization. These expenses are also covered under health insurance. Generally, these charges are the cost of diagnostic tests such as blood tests, urine tests, CT scans, MRI, X-rays, preoperative medications and other expenses. It is important to note that these charges are not fully covered.
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Post hospitalization charges
Post hospitalization charges are also covered under health insurance. Standard expenses that are considered under insurance are medicines, therapy, diagnostic tests etc.
Ambulance charges are covered under health insurance policies. The cost involves the transportation charges to the healthcare facility. This is generally covered under health insurance but it is not covered in mediclaim policies.
If you haven’t claimed your health insurance or mediclaim for a specific period of time, that insurer offers a “no claim bonus”. The insurer may also extend the coverage limit for the next year.
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Domiciliary Hospitalization
Health insurance policies offer domiciliary hospitalization if you are not in the condition to go to hospital and get the treatment. If you choose home treatment, you will still get reimbursement for up to three days after the procedure.
With a health insurance policy, you can also get additional expense coverage such as alternate medicine, etc.
Note: The aspects of treatment covered in an insurance policy can differ based on the policy and the insurance provider. Make sure you get clarity on the specifics of the policy beforehand.
