Ear Surgery Covered Under Insurance 100% Cashless

Cost Covered Under Health Insurance/Mediclaim Policy for Ear Surgery

A majority of the standard expenses associated with a procedure are covered by health insurance. These include:

In-patient Hospitalization 

Inpatient hospitalization charges include all expenses incurred by the patient during hospitalization. These costs include doctor consultation fees, ICU room charges, follow-up fees, nursing fees, and so on. If your insurance covers hospitalization costs, these costs will be covered as well. 

Pre-Hospitalization Charges 

Pre-hospitalization expenses include all expenses incurred prior to the hospitalization. These costs are also covered by health insurance and some mediclaim policies. This typically covers the cost of diagnostic tests such as blood tests, urine tests, CT scans, MRIs, X-rays, pre-operative medications, and other expenses. It should be noted that these costs may not be entirely covered.

Post-Hospitalization Charges 

Health insurance also covers post-hospitalization expenses. This may include the cost of medicines, therapy, diagnostic tests, etc. Mediclaim policies, generally, do not cover post-hospitalization charges. 

Ambulance Charges 

Ambulance fees are usually covered by health insurance policies. But, it is not covered by mediclaim policies.

No Claim Bonus 

If you haven’t claimed your health insurance for a specific period of time, then the insurer offers a “No Claim Bonus”. The insurer may also increase the coverage limit for the following year.

Domiciliary Hospitalization

If you are unable to travel to a hospital for treatment, health insurance policies provide domiciliary hospitalization. If you choose home treatment, you will be reimbursed for up to three days following the procedure.

Additional Coverage

You can also get additional expense coverage with a mediclaim policy, such as ambulance fees, second opinion fees, and so on.

Top Health Insurance Providers for Ear Surgery In India

Here’s a list of top health insurance providers for adenoidectomy in India. 

Aditya Birla Health Insurance Co. Ltd.

• Specialized health insurer for all patients
• A network of 9000+ hospitals 
• Offers 50% of premium as ‘HealthReturns’.

Future Generali India Insurance Co. Ltd.

• 96.15% Individual claims settlement ratio for FY 2021-2022
• 1.5 Million lives touched since inception
• Crowned as the Life Insurance Company of the Year in 2018

Note: To get clarity about the health insurance and mediclaim plans offered by the insurers above and all other major insurance providers, it is best to contact their team.