Cost Covered Under Health Insurance/Mediclaim Policy for Parotidectomy Surgery
Parotidectomy is covered by most health insurance policies and mediclaim policies. Individual insurance policies may differ. In general, insurance may cover the following expenses:
In-patient hospitalization
The total cost of your inpatient hospital stay includes all expenses incurred while you were hospitalized. If your insurance policy includes hospitalization coverage, your insurer will cover the entire cost. These fees could cover ICU fees, nursing fees, consultation and follow-up costs, surgical fees, the cost of diagnostic and surgical instruments, and more.
Pre-hospitalization expenses
Prior to being hospitalized for sinusitis surgery, the majority of insurance plans typically cover your potential medical costs up to a predetermined period of time. This could include the price of the doctor’s consultation, medical research, diagnostic tests (like imaging tests, urinalysis, blood tests, etc.), medications, and other expenses.
Post-hospitalization expenses
Post-hospitalization expenses are similarly covered by specific medical insurance and mediclaim policies as are pre-hospitalization expenses. After you leave the hospital, the cost of your medications and other care is covered by the policy.
Ambulance charges
The insurance company will cover the costs of the ambulance service, including the cost of transporting you to the medical facility. A mediclaim policy may not cover ambulance services.
Day-care treatment
Health insurance and mediclaim policies cover any daycare operations including parotid gland surgery that need a hospital stay of less than 24 hours.
No Claim Bonus
Both medical insurance and Medicare policies often give ‘No Claim Bonus’ advantages. You earn a bonus if you don’t utilize your health insurance claims for a particular length of time in a year, for example. The insurer may also increase your coverage limit for the next year.
Domiciliary hospitalization
When you are unable to go to a hospital for treatment due to your health, your mediclaim coverage may cover domiciliary hospitalization. You will still be eligible for medical care for at least three days.
Additional Coverage
With mediclaim insurance, you can also cover additional costs, such as ambulance and ICU fees, second opinions, and alternative therapies.
