Covering your knees: Insights into insurance for knee replacement surgeries

When you buy a health insurance plan, you hope to get extensive coverage for all your health-related expenses. Thankfully, modern-day health insurance policies such as Zurich Kotak Health insurance Plan offer comprehensive covers and also have provisions for specialised procedures like knee replacement. Take a look at this article to learn more about health insurance and knee replacement and see how you can use it to your benefit.

Reasons why you need health insurance for knee replacements

To cover costs

The biggest reason to opt for knee replacement mediclaim is to cover the costs of this expensive surgery. Knee replacement in India can cost anywhere between INR 50,000 and INR 2,00,000. This is a considerably large amount so having a knee replacement mediclaim plan proves to be very helpful. You can also get the cashless facility which further helps to uncomplicate the entire process.

To manage the treatment

Health insurance plans are quite wholesome. When you get admitted for your knee replacement surgery, the mediclaim plans pay for your hospital bed charges, OT charges, physical and nursing charges, etc. You may also get pre and post-hospital care covers and OPD covers, which all prove to be handy covers.

To get the best treatment

When you need knee surgery and health insurance policy is there, you can afford to get treated at the best hospitals, under the best doctors. This is a priceless benefit that only health insurance can bring to you.

Health insurance for knee replacements - Important factors to understand

Take a look at the factors mentioned below as that will help you to make an effective claim for knee replacement on your mediclaim policy:

Waiting period

There is a waiting period clause in most health insurance plans in regard to a knee replacement claim. You can only make a claim after you have had the plan for two years. You cannot make a claim during the waiting period. The waiting period varies from insurer to insurer, so understand the terms and conditions before you look to use your health plan for this purpose.

Coverage available

There is a fixed coverage available for knee replacement procedures under the standard mediclaim policy. While some health insurance providers offer 100% costs, some offer only about 50%. Read the policy wordings closely to know how much you can get.

These are some of the most important points to remember when you look to get knee surgery insurance coverage on your health plan.

Conclusion

Knee replacement has become a common medical procedure these days. And with a good adjustment between your knee surgery and health insurance policy, you too can now afford to get this procedure done, if needed. Get a good policy from a reputed insurer like Zurich Kotak Health insurance and cover all aspects of your health, including your precious knees.

Related blogs

Family Health Insurance Plans Everything You Want to Know

What are the documents required to file health insurance claim

Here is a Comprehensive Guide to Health insurance and Tax Savings