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Health Insurance 1387 views March 5, 2021
Bariatric surgery makes changes to your digestive system and helps you lose unwanted weight. With the weight reduction, you can stay away from many obesity-linked diseases. However, the cost of bariatric surgery can go up to INR 5 lakh in India. And if you do not have a health insurance plan, it could drain out your hard-earned savings in no time. According to India Laparoscopic Surgery Site, the cost of bariatric surgery across different Indian cities is as follows –
City | Cost of Bariatric Surgery (In INR) |
---|---|
New Delhi | 2.10-3.70 Lakh |
Chennai | 2.35-3.90 Lakh |
Ahmedabad | 2.50-4.75 Lakh |
Kolkata | 2.50-4.75 Lakh |
Pune | 2.25-3.75 Lakh |
Bangalore | 2.40-4.00 Lakh |
Mumbai | 2.25-3.75 Lakh |
But health insurance can cover such expenses and relieves you from financial hassles, at least. Read this post further and know more about the top health insurance plans for bariatric surgery in India.
Policy Name | Sum Assured (In INR) | Sub-limit | Co-Payment | Minimum Premium (In INR) |
---|---|---|---|---|
Go Digit Health Care Plus Policy | As specified by the insurer | Restricted to the limit as opted by you | Available | As specified by the insurer |
Bajaj Allianz Health Guard -Gold | 3-50 Lakh | 50% of the sum assured or up to INR 5 Lakh, whichever is less. | 20% co-pay will apply if you pay Zone B premium rates and receive treatment in Zone A hospital/nursing home. | 3,566 |
Tata AIG MediCare Premier | As specified by the insurer | Apply as per the policy terms and condition | Apply as per the policy terms and condition | As specified by the insurer |
Star Comprehensive Insurance Policy | 5 Lakh to 1 Crore | Up to INR 2.5 Lakh and INR 5 Lakh inclusive of pre-and post-hospitalization expenses | 10% of each claim, provided the entry age is 61 years and above | 7,015 |
Table of Contents
The policy will cover the expenses for bariatric surgery if the medical practitioner sees it medically necessary. But the claim for such expenses shall be admissible subject to the following conditions:
Bariatric Surgery claim shall be acceptable under Go Digit Health Care Plus Policy only if it comes under any of the below procedures:
Note: Bariatric surgery shall not be covered for cosmetic or aesthetic reasons, treating drug-induced obesity, severe untreated hormonal imbalance, psychiatric and eating disorders induced obesity. You will get the bariatric surgery cover after the expiry of the waiting period as mentioned in the policy document.
If you are hospitalized for bariatric surgery on the advice of your attending doctor, the company will pay your reasonable and customary expenses of bariatric surgery. You are eligible for this benefit under Bajaj Allianz Health Guard – Gold if you meet the criteria below –
The presence of severe obesity in adults aged 18 years and above is defined with BMI >= 40 in conjunction with any of the comorbidities – coronary heart disease, medically refractory hypertension (blood pressure > 140 mm Hg systolic and 90 mm Hg diastolic despite the concurrent use of 3 antihypertensive agents of different classes), Type 2 diabetes mellitus.
Bajaj Allianz Health Guard – Gold has a waiting period of 36 months for bariatric surgery cover that starts from the date of first commencement of the policy.
Tata AIG Medicare Premier covers the reasonable and customary expenses for Bariatric Surgery if the following conditions are met –
The insured can cover his/her Bariatric Surgery expenses under the Star Comprehensive Insurance plan. Coverage under this surgery shall be available to the insured after the expiry of a waiting period of 36 months and payable, provided the policy is in force.