Is Fissure Treatment Covered Under Health Insurance?

Cost Covered Under Health Insurance Policy

Costs covered under a health insurance policy depend on the kind of policy you buy. You can buy an individual health insurance plan in general but cannot expect it to include all the medical conditions that one is prone to without paying an additional premium.

Therefore, you must scrutinize the plan coverage before you select any. Some of the costs that are covered under a health insurance policy include:

• In-patient hospitalization: In medical emergencies, it is possible to get an in-patient cashless hospitalization facility under the health insurance policy. It helps you get proper treatment without having a considerable amount of cash to begin the treatment. The costs covered are room charges, nursing expenses, doctor’s fees, ICU, etc. 
• Pre and Post Hospitalization Expenses: As the name suggests, pre-hospitalization expenses include all the medical expenses before you are admitted to the hospital. It includes medical diagnosis and check-ups to analyze the medical condition. 
• Post-hospitalization costs amount to the sum of the bill which is paid after the patient is discharged from the hospital. It includes the amount that the patient is charged for any post-hospitalization activities like follow-up visits, routine tests, etc. Therefore, you can be sure that the health insurance policy that you buy or the health insurance plan that you sign up for your anal fissure treatment would include these necessary expenses.
• Ambulance charges: Your health insurance plan also includes expenses involved in commuting you to a hospital by ambulance.
• Daycare treatment:  Sometimes, the disease that a patient incurs requires hospitalization for less than 24 hours. Certain medical procedures allow patients to go home on the same day of surgery. These minor surgical operations can be counted as an out-patient feature in healthcare insurance that allows the patients to procure maximized advantages at a reasonable cost. These procedures can include radiology therapy like an MRI scan or an X-Ray and laser surgery for the treatment of anal fissures. 

What Is The Difference Between Health Insurance And Mediclaim Insurance?

One of the major differences between Mediclaim and health insurance is that the health insurance plan provides comprehensive medical coverage against hospitalization expenses, pre-hospitalization charges, post-hospitalization charges, ambulance costs, etc. Whereas, a Mediclaim plan provides coverage only against hospitalization that occurs due to the medical condition, surgery, and pre-existing illnesses up to a pre-specified limit. 

A health insurance plan provides flexibility to enhance or reduce coverage, whereas under Mediclaim there is no flexibility when it comes to coverage. Also, to claim a Mediclaim policy, the insured person should be hospitalized otherwise they won’t be able to get the claim. But, there is no such requirement if you are using a health insurance policy to get treatment for anal fissures. Furthermore, health insurance provides coverage for several diseases, such as anal fissures, piles, fistula, etc. depending on the policy. But Mediclaim insurance does not provide coverage for all medical conditions.