Vocal Cord Surgery Covered Under Health Insurance 100% Cashless

Cost Covered Under Health Insurance/Mediclaim Policy for Vocal Cord Surgery

Most health insurance policies cover the entire cost of vocal cord surgery, and additional expenses whereas mediclaim policy covers the hospitalization charges only. Some standard expenses covered under health insurance include:

• In-patient hospitalization expenses

The expenses incurred during your hospitalization, such as room charges, nursing charges, diagnostic test charges, etc., are covered under health insurance and a mediclaim policy. 

• Pre-hospitalization expenses

All the expenses incurred before you were admitted to the hospital, such as diagnostic tests (blood tests, urine tests, CT Scan, X-ray, etc.), consultation charges, pre-surgical medications, etc., are covered under health insurance. Mediclaim policies may not cover these expenses.

• Post-hospitalization expenses

When you are discharged from the hospital, a health insurance policy will cover the expenses of prescriptions and treatment. Post-hospitalization expenditures that insurers often cover include medication, treatment, diagnostic testing, and so on.

• Ambulance charges

Ambulance expenses are frequently covered by health insurance coverage (if any). The insurance company will pay the costs of the ambulance service, including the cost of transporting you to the medical institution. Mediclaim policies may not include coverage of ambulance services.

• Day Care Treatment Expense

Health Insurance covers daycare treatment expenses for all ENT procedures that require hospitalization for less than a day. 

• No claim bonus

If you haven’t claimed your insurance for a specific period of time, then your insurer gives you a no-claim bonus and may increase the coverage limit for the succeeding year. This is applicable in case of both health insurance and mediclaim policies.

• Domiciliary hospitalization

If you are not in the condition to go to the hospital to get the treatment, you can get the home treatment for up to 3 days and still get the reimbursement. 

• Additional coverage

Additional treatment costs, such as ICU fees and alternative therapies, may be reimbursed by health insurance.

What is the Difference Between a Health Insurance and a Mediclaim Policy?

Here are five key differences between health insurance and mediclaim policies:

Coverage: Health insurance provides comprehensive coverage for a wide range of medical expenses, including hospitalization, doctor visits, diagnostic tests, medication, and more. On the other hand, mediclaim policies provide coverage specifically for hospitalization expenses, such as room and board, nursing care, and medical procedures related to the hospitalization.

Premiums: Mediclaim policies tend to have lower premiums than health insurance policies since they offer more limited coverage.

Benefits: Health insurance policies typically offer extensive coverage limits and benefits, including coverage for pre-existing conditions, maternity benefits, and preventive care services.

Claim Process: The claim process for mediclaim policies is generally simpler and more straightforward since the coverage is limited to hospitalization expenses. In contrast, health insurance claims may be more complex, and patients may need to submit documentation to support their claims.

Flexibility: Health insurance policies are more flexible and offer more customization options, allowing patients to choose the level of coverage and benefits that best suit their needs. In contrast, mediclaim policies offer limited coverage and may not be suitable for patients who need more comprehensive coverage.