Cost Covered Under Health Insurance/Mediclaim Policy for FESS
FESS, the procedure to treat chronic sinusitis, is covered by most health insurance policies and mediclaim policies. It may vary for each individual depending on their insurance policies. Typically, the standard expenses that may cover under insurance are:
In-patient hospitalization
All expenses you incur while hospitalized for a disease or injury are included in the total cost of your hospital stay. The whole cost will be covered by your insurer if you have hospitalization coverage in your policy. Surgical fees, diagnostic and surgical instruments, ICU fees, nursing fees, consultation and follow-up fees, and more may be included in these fees.
Pre-hospitalization expenses
Prior to being admitted to the hospital for FESS, the majority of insurance policies normally pay for your prospective medical expenditures up to a certain time. This might include the price of the physician’s consultation, medical study, diagnostic testing (such imaging tests, urinalysis, blood tests, etc.), prescription drugs, and other expenses. You should be aware that the pre-hospitalization costs indicated above are generally only partially paid.
Post-hospitalization expenses
Post-hospitalization expenses are similarly covered by certain medical insurance and mediclaim plans as are pre-hospitalization expenses. Once you leave the hospital, the cost of your prescriptions and other treatment is covered by the policy. Pre-hospitalization costs that insurance often pay for include medication, treatment, diagnostic testing, etc.
Ambulance charges
Usually ambulance bills are covered by health insurance (if any). The ambulance service’s related charges, including the cost of transporting you to the medical facility, will be covered by the insurance provider. A mediclaim policy may not provide coverage for ambulance services.
Day-care treatment
Health insurance and mediclaim policies will pay for any FESS daycare operations that need a hospital stay of less than 24 hours.
No Claim Bonus
Medical insurance and mediclaim policies typically offer “No Claim Bonus” advantages. If, for example, you go a whole year without using your health insurance claims, you receive a bonus. Also, the insurer may raise your coverage limit for the next year.
Domiciliary hospitalization
The mediclaim coverage can also cover domiciliary hospitalization if your illness prevents you from traveling to a hospital for care. You’ll still be qualified for insurance coverage for at least three days worth of medical expenses.
Additional coverage
Along with covering these additional expenses, mediclaim insurance also covers second opinions, ICU and ambulance expenditures, and different therapy for the same condition.hj
