Health Insurance 401 views October 22, 2021

Dermatology treatments help you take care of your skin health and protect you from diseases that might cause severe problems later on. As you know the dermatology treatments are expensive in India and cost you INR 50,000 to 4 Lakh approximately. But this is not an issue if you have health insurance cover for dermatology. This way, you can cover the expenses of your treatment. Just pay a regular premium for your policy and get the treatment cost covered during the policy term. Read this page and know how health insurance cover for dermatology treatment keep away your financial worries.

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Base Health Insurance cover for Dermatology

The most common dermatology or skin problems covered by health insurance are – acne fungal infections, ringworm, rash scabies dermatitis, viral skin diseases, chickenpox, measles, etc. If you are diagnosed with any of the covered diseases, the insurer shall cover the hospital bills and the following expenses –

  • Room rent if hospitalization is advised by the attending doctor
  • Pharmacy expenses
  • Pre and post-hospitalization expenses
  • Operation theatre charges

Types of Dermatology Treatment

Some of the common procedures performed in dermatology to diagnose and treat skin cancer, non-cancerous and precancerous growths are as follows –

  • Skin biopsy – INR 25,000
  • Shave removal – INR 10,000
  • Cryosurgery – INR 75,000
  • Topical chemotherapy – 6,000
  • Photodynamic therapy – INR 3 Lakh
  • Electrodessication and curettage – INR 75,000
  • Conservative excision – INR 5 Lakh
  • Mohs micrographic surgery – INR 2 Lakh
  • Treatment of malignant melanoma – INR 12 Lakh
  • Wide local excision – INR 3 Lakh
  • Sentinel lymph node biopsy and lymphadenectomy – INR 1.25 Lakh
  • Radiation therapy – INR 20,000
  • Chemotherapy – INR 75,000
  • Biological therapy – INR 1.3 Lakh
  • General risks with skin surgery – INR 1.5 Lakh
  • Scar revision – INR 20,000

Note – The treatment cost stated against each of these diseases is on an approximate basis.  The actual cost may vary.

How to Choose Health Insurance Cover for Dermatology?

You can buy health insurance by comparing the plans based on the following factors –

Coverage – Check whether the policy covers the necessary dermatology treatment

Waiting period – See the waiting period applicable to the treatment. A waiting period starts from the date of inception and remains for 2-4 years. During this period, you can’t apply for a claim.

Premium amount – Choose a plan with an affordable premium rate
Sum Insured – Compare the sum insured of different plans and choose the one that offers you the maximum coverage.

Rider Option – If you want to customize your health insurance as per your need, check the riders available to you.

No Claim Bonus – See the No Claim Bonus (NCB) amount available to you after every claim-free year and compare it with the other plans. The plan with the maximum bonus anount will only help you deal better with dermatology treatment expenses.

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