Health Insurance for Knee Replacement Surgery

The knees support the whole body weight and make our movements easier. This is why bad knees can be troublesome, especially for elderly people. While knee replacement is the ultimate cure, the surgery can cost you anywhere between Rs 50,000 to Rs 2 lakh. If you don’t want to exhaust your savings, you must buy a health insurance policy with a knee replacement cover.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
6.7 crore
Registered consumers
51
Insurance partners
3.4 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform

0%

Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      While some insurance companies let you file reimbursement for a knee replacement surgery, a few of them provide additional coverage for knee replacement among critical illness insurance in India. Read on to learn more about knee replacement surgery, also known as arthroplasty.

      What is Knee Replacement/Arthroplasty?

      Our seemingly simple knee joints are easily at risk because of many factors we may ignore initially. Most common factors include aging, sedentary lifestyle, obesity, and many other causes. While osteoarthritis is the leading cause of knee surgeries in India, there can be many reasons that people may experience chronic knee pain which makes knee replacement a necessity in order to restore normal functions in the knee.

      Most patients opt for this surgery due to prolonged stiffness and ache in their knees. Other than osteoarthritis, rheumatoid arthritis, ligament tears, and other cartilage defects also cause damage to your knees which eventually needs a replacement.

      A knee replacement surgery involves the replacement of the damaged bone and the cartilage with the required prosthesis or artificial joints. It is important to know the full extent of the damage and the type of replacement you need:

      • Total knee replacement involves the whole knee being replaced by prosthetics
      • Partial replacement takes place only in the affected area of the knee
      • Bilateral knee replacement involves both the knees getting replaced at the same time.

      Knee replacement is often because of severe issues and a critical illness insurance plan goes a long way to shoulder your financial strain.

      When do you need Knee Replacement Surgery?

      The surgery is usually recommended to people suffering a lot of pain and severe dysfunction in one of both of their knees. To determine this, a number of tests like X-rays, MRIs, etc are done to assess your knee's stability and range of motion.

      If the patient has extreme difficulty while walking, getting in or out of seated positions, while taking a flight of stairs then it can indicate severe knee pain. In some cases, people may even have knee pain while resting.

      An orthopedic surgeon is the best person to determine your condition depending on your age, activity levels, body weight, and other health factors.

      How much does a Knee Replacement Surgery cost?

      Your overall health and the place you have your surgery determine your expenses. Other pre-existing conditions affecting your knees also affect the cost of your surgery. This can cost you anywhere between Rs 50,000 and Rs 2 lakhs as these prosthetics are expensive and often need to be imported from other countries.

      You should consider these additional costs in case of a knee replacement surgery:

      • Duration of your stay at the hospital
      • Physiotherapy/ physical therapy you may need at the hospital
      • Future follow-up appointments
      • Additional therapy while recovering at your own home
      • Transportation costs
      • Additional tests and check up

      Keeping these things in mind, you should know how much it will cost you and how much of this will be covered by your insurance policy. Thus, it is highly recommended that you opt for a health insurance cover for your knee replacement surgery.

      Why Opt for Health Insurance Cover for a Knee Replacement Surgery?

      In case of severe knee issues, most doctors suggest knee replacement surgery. This allows the individual to lead a pain-free and comfortable life again. However, this can be pretty expensive if you have any complications or don't have medical insurance that covers expenses related to this surgery.

      Make sure you buy a health insurance policy that covers your knee replacement surgery with an adequate sum insured. Here are some more benefits of getting a comprehensive health insurance plan:

      • Cashless Treatment Facility: Your hospital bills will be settled directly with your hospital. You simply need to visit a hospital that is a part of the network as stated in your insurance. However, you may need to schedule your hospitalization beforehand for smooth service.
      • Cover for Treatment: A good plan will cover your pre-hospitalization and post-hospitalization costs. This can also include the room charges along with the surgeon's expenses. Your health insurance policy will also take care of your in-patient hospitalization expenses.

      To Conclude,

      For a long while, this surgery fell under the category of cosmetic procedures or implants. However, things have been different with many health insurance policies in India offering reimbursement for knee replacement surgeries.

      Before buying a health insurance cover for knee replacement surgery, you should know about some important facts like the waiting period or increase in your usual premium. While this cover is now being offered by many, some insurance providers only agree to pay half of the total cost of the knee replacement treatment.

      There may also be a longer waiting period anywhere between 2 to 4 years before you can file for this claim. So make sure you go through all these benefits thoroughly by comparing health insurance policies online on Policybazaar, so that you invest in a good knee replacement cover in your plan.

      book-home-visit
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      01 Jul 2024

      Surgeries Covered Under ICICI Lombard Health...

      Life can throw unexpected medical emergencies your way, making

      Read more
      27 Jun 2024

      Is LASIK Surgery Covered by ICICI Lombard Health...

      Waking up with a clear vision is a dream for many. LASIK surgery

      Read more
      21 Jun 2024

      Does ICICI Lombard Health Insurance Cover...

      Cataract surgery is an essential procedure for people seeking to

      Read more
      14 Jun 2024

      Father’s Day 2024: Gift Your Father Health...

      Father’s Day is celebrated every year on the third Sunday of

      Read more
      05 Jun 2024

      Does SBI Health Insurance Cover Dental Treatments?

      SBI General Insurance Company provides comprehensive coverage

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      How Senior Citizens can save Tax with Medical...

      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL