Health Insurance 389 views October 19, 2021

If you are planning to undergo orthopedic surgery, you should know its cost that ranges from INR 1.5 to 4 Lakh based upon the severity. But the cost won’t remain the same as time goes on, thanks to inflation. So, having a health insurance plan is the answer to dealing with such expenses and keeping your savings intact. The plan will help pay the hospital bills and expenses of medicines. But remember it is your responsibility to contact the insurance company in case you undergo surgery. If you don’t notify the insurer about the hospitalization within a specified time, your treatment expenses won’t get covered. Read the page below and know how health insurance can help you get coverage for orthopaedic surgery.

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Coverage for Orthopaedic Surgery

The insurance company shall cover some medical treatments under day care if they require hospitalization of less than 24 hours. When you are admitted, the company shall cover the following expenses, provided they are mentioned in your policy schedule.\

  • Room rent
  • Surgeon fee
  • Ambulance charge in case of an emergency
  • Cost of pharmacy prescribed by the attending doctor
  • Cost of blood, oxygen, operation theatre, etc, required during the surgery

Type of Orthopaedic Surgery & their Cost in India

Check out the popular orthopaedic surgery prevalent in India.

ACL Reconstruction Surgery

A severe knee injury that is common among athletes can be cured with ACL reconstruction surgery. However, its cost depends upon several factors, the hospital you choose, your healthcare package, etc. ACL Surgery’s average cost is INR 2.5 Lakh and it takes around 2 to 3 hours. So, the treatment shall be covered under day care.

Knee Replacement Surgery

If you suffer from a knee injury or have age-related knee problems and the doctor has advised you to undergo surgery, it could cost you INR 1.3 – 2 Lakh.

Shoulder Replacement Surgery

There are three types of surgery – total shoulder replacement, partial shoulder replacement and reverse total shoulder replacement. The surgery could cost you up to INR 5 Lakh, so it is necessary to have health insurance for orthopaedic surgery like this.

Hip Replacement Surgery

An average cost of this type of surgery is INR 3 – 3.5 Lakh. It helps improve walking, climbing stairs, driving and social activities. This surgery is advised for older people with osteoporosis.

Other orthopaedic surgeries shall include –

  • Knee Arthroscopy
  • Shoulder Arthroscopy
  • Ankle Repair
  • Spinal Surgeries
  • Joint Fusion
  • Trigger Finger Release

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