Does Insurance Cover Lipoma Removal?

Lipoma removal cost is covered by health insurance when the surgery is performed for medical reasons. But many patients undergo lipoma surgery for cosmetic reasons, due to which health insurance may not cover the treatment cost. Talk to our experts to learn all about the terms and conditions of the insurance policy.

Lipoma removal cost is covered by health insurance when the surgery is performed for medical reasons. But many patients undergo lipoma surgery for ...cosmetic reasons, due to which health insurance may not cover the treatment cost. Talk to our experts to learn all about the terms and conditions of the insurance policy. Read More

30+

Cities

When Is Lipoma Removal Covered by Health Insurance?

While seeking treatment for lipomas, you may feel conflicted about whether the treatment is covered under insurance or not. Plastic surgeries are usually not covered under medical insurance as they are not medically necessary. However, some conditions are exceptions to this rule. Fortunately, lipoma treatment is one of them. 

Despite the fact that lipomas are typically harmless and most people get them removed due to cosmetic reasons, lipoma removal surgery is covered under health insurance policies. The insurance company provides approval because lipoma is a symptomatic condition. 

According to Wikipedia, more than 80% of Indians do not have any kind of health insurance plan. It means that more than 500 million people do not receive the benefits of health coverage. This is something that we need to change ourselves. The health insurance policies are designed such that they will make advanced medical treatments, like lipoma excision surgery, easily affordable for us. 

If any of the following symptoms are present, you can avail health insurance- 

• The lump is present under the skin and growing continuously. 
• The lump is getting painful and discomforting due to its size or location. 
• The lump is pressing on nearby blood vessels or nerves. 
• The lump is growing rapidly (potentially malignant). 

Thus, you can be rest assured knowing that if you have a lipoma or multiple lipomas, you can get proper treatment for the condition at the best medical centers with your health insurance.

Services Covered by Insurance for Lipoma Removal

An insurance plan from one company will be different from the others. This is why assuming that the lipoma removal procedure will be covered under all insurance policies will be wrong. The coverage might even vary depending on the plan you have. Therefore, it is advised that you talk to your insurance provider and clear all your doubts before going to a hospital or clinic for lipoma treatment. 

Here is a breakdown of the services that will be covered under all standard health insurance policies:

• Hospitalization Expenses- This benefit involves the expenses that incur when the patient is admitted to the hospital for more than 24 hours, including room rent, doctor’s fee, diagnostic tests, medicine cost, etc. 
• Pre & Post Hospitalization Expenses– With this benefit, you can cover the expenses that occur before hospitalization as well as afterward, such as initial consultation, post-surgery follow-ups, etc. 
• ICU Charges- The insurance policy also covers the ICU charges which are usually calculated on an hourly basis. 
• Ambulance Cost- Though lipoma removal isn’t done on an emergency basis, if you have to seek emergency medical care, then the cost of an ambulance will also be covered by the insurance policy. 
• Cashless Treatment- The biggest benefit of having insurance is that you don’t have to worry about arranging money to pay the hospital expense. What’s more beneficial is that if you are admitted into a network hospital of the insurance provider, you will get additional discounts for the entire treatment. 
• Day Care Procedures- This coverage allows the patient to cover the cost of treatments in which 24-hour hospitalization isn’t necessary. 
• Pre-Existing Diseases- It is a benefit that most probably all policies won’t offer. If you are planning to purchase a new policy, try to get ample coverage for pre-existing conditions as well. As a standard rule, you will have to finish the waiting period to get a claim against the treatment for that particular disease. 
• AYUSH Treatment- This benefit allows the patient to cover the cost of treatment through insurance if they are getting treated by the AYUSH School of Medicine. It includes ayurvedic treatment, Unani, homeopathy, Siddha, & yogic treatment. 
• Medical Check-ups- Under this benefit, you will also get free preventive health check-ups at regular intervals. 

By choosing the best policy for health insurance, you will be able to get maximum benefits as well.

Your lipoma treatment will be covered under insurance under all circumstances. So, whether you have a lipoma or multiple lipomas, you can get treatment at the best hospitals and clinics without worrying about the cost.

Cashless Payment Service for Lipoma Treatment at Pristyn Care

To make the treatment journey simple and hassle-free for the patients, we offer a cashless payment service. We have an easy process to utilize the mediclaim or health insurance policy to cover the cost of lipoma removal.

The cashless payment service works in the following way-

• Our care coordinators collect the insurance documents from the patients and talk to the insurance providers to validate them. 
• The patient is asked to fill out the cashless claim form, and the required medical evidence and documents are submitted with the form. 
• Once the claim amount is approved, the patient will receive an email or message regarding the confirmation. 
• After the required claim amount is sanctioned, the patient is admitted to the hospital, and the surgery is performed.

The hospital bills are settled by the insurance company, and the patient doesn’t need to pay directly at the hospital. Along with assisting the patients with cashless payments, we also provide services that reduce the expense of treatment for the patients. These services include- 

• Free Consultations with the best plastic surgeons in India. 
• Free cab service on the day of surgery. 
• Multiple follow-up consultations without additional fees. 
• No-Cost EMI service to divide the treatment expenses into small installments. 

Our services are customized to ensure that the patients get optimal care without worrying about expenses. Our care coordinators will also stay in touch with you round-the-clock to assist you with all treatment-related formalities. 

If you have a lipoma and need to get rid of it, visit the nearest Pristyn Care clinic and consult the best plastic surgeons in your city. 

Pristyn Care’s Free Post-Operative Care

Diet & Lifestyle Consultation

Post-Surgery Recovery Follow up

Free Cab Facility

24*7 Patient Support

Chat with Expert for FREE