Health Insurance for Bariatric Surgery in India

Need to go for a weight loss surgery and are wondering if your health insurance policy will cover it or not then you are at the right place. Amid the rising cases of obesity, a lot of people are opting for Bariatric surgeries as an alternative for losing weight. When exercising, dieting; and gym fail nowadays a few people opt for this procedure as well.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Let’s understand what is bariatric surgery or weight loss surgery and how health insurance can help.  Last year in October 2019, as per the IRDAI’s (Insurance Regulatory and Development Authority of India) guidelines, bariatric or weight loss surgery was included under medical insurance cover. The move was to ensure coverage to obese people suffering from co-morbidities related.  With this inclusion in both family health insurance plans and individual health plans or even a critical illness policy, nearly 38% people were expected to benefit in the rural areas ad 30% urban population of India.

    Moreover, you can easily search for it on our site and buy health insurance online in just a few clicks. But before that let’s read some important details regarding the whole procedure.

    What is Bariatric Surgery?

    People who are overweight and have a greater BMI even after walking and working out, losing weight can get challenging for them. Once a doctor advises bariatric surgery to an obese person to avoid any medical issues in future, it shall be covered in a health insurance policy that covers bariatric procedures. It is a safe procedure that aids in weight-loss and helps in shedding of the excess weight.

    Bariatric surgery is recommended to those who have a Body Mass Index (BMI) of 40 or above. People, suffering from obesity and serious weight-related health issues like cardiovascular illnesses, Type-2 diabetes, high blood pressure, sleep apnea, etc. are suggested this surgery.

    The patient needs to follow a certain diet plan before undergoing the bariatric surgery, followed by exercise to avoid post-surgery weight gain.  Though bariatric surgery is a safe alternative to lose weight but there are certain risks involved as well including infections, blood clotting in the lungs, and internal bleeding.

    How much does Bariatric Surgery Cost?

    A bariatric surgical procedure can cost around Rs. 2.5 Lakh to Rs 5 Lakh and the cost would depend on other factors including the type of surgery, hospital, gastroenterology surgeon’s fees, etc. other additional costs would include the cost of surgical instruments, anaesthesia, and follow-up procedures.

    Obesity-related health issues that are resolved after the surgery:

    • Fatty liver disease
    • Gastroesophageal reflux disease
    • Arthritis
    • High blood pressure
    • Breathing disorders
    • Urinary stress incontinence
    • Cholesterol
    • Asthma
    • Sleep apnea
    • Venous stasis

    Medical insurance can cover the following surgical procedures:

    • Biliopancreatic diversion
    • Open or laparoscopic Gastric bypass
    • Sleeve Gastrectomy
    • Laparoscopic adjustable gastric banding
    • The Roux-en-Y Gastric Bypass

    After the procedures, one's ability to eat is restricted, thereby causing weight loss. After the surgery, the person has a smaller stomach that can only hold a few ounces. Additionally, some weight-loss surgeries limit the absorption of nutrients and calories. If you are undergoing the procedure you will also need to take part in nutrition and behavior classes to help you with post-surgery life.

    Will Health Insurance Cover Bariatric Surgery?

    Health insurance now covers bariatric surgery if you meet requirements. The coverage depends on the medical insurance plan selected by you. Health insurance companies in India accept the claims for morbid obesity or co-morbidities or life-threatening conditions as mentioned in the policy. If the doctor advises bariatric surgery you can get compensation for the expenses. Generally, you need to furnish the proof to the insurer that the surgery is medically essential.

    Until 2019, bariatric surgery was a standard exclusion in mediclaim policies. However, with technological advancements and new IRDAI guidelines, many insurance companies pay for bariatric surgery. However, the benefit is only available if it’s medically necessary and is not being used for cosmetic purposes.

    Is there any waiting period in health insurance for Bariatric Surgery?

    The waiting period in health insurance applies to bariatric surgical procedures and ranges from 2 to 4 years. So, if you want to claim your bariatric surgery expenses then you can do so after the completion of the waiting period post-policy purchase. 

    What are the Exclusions under health insurance for Bariatric Surgery?

    Whether it is covered in a critical illness policy or a family health insurance plan, following exclusions apply to Bariatric Surgical procedures:

    • Claims filed within 30 days of policy commencement are excluded
    • Pre-existing conditions related claims are also not covered
    • Cosmetic/aesthetic reasons
    • Drug-induced obesity, psychiatric and eating disorders induced obesity, and untreated hormonal imbalance

    The best way to avail health insurance benefits for bariatric surgery is by doing proper research before buying health insurance online.

    What to Claim for Bariatric Surgery?

    When filing claims for bariatric surgery under your health insurance policy you need to meet the following conditions and submit the below-mentioned documents:

    • Surgeons prescription for diagnostic tests and authorization to undergo the surgery
    • The policyholder also need to submit the medical reports and descriptions to file a claim for bariatric surgery expenses
    • The patient needs to have a BMI of 40 or higher
    • In case your BMI is 35 or above, and you are facing health issues such as sleep apnea, Type 2 Diabetes and heart-related problems.

    In a Nutshell

    Expenses incurred on Bariatric Surgery are usually not covered in a basic medical insurance policy. However, insurers nowadays offer an option to get Bariatric Surgery Insurance as an add-on cover by paying a little extra premium. All you need to do is do some research on your end if you would need to pay extra in your health insurance policy, or the whole expenses are covered, as it would vary from insurer plan to another and from one insurer to another.

    Coverage for bariatric surgeries is a fresh take at how medical insurance in India is gradually becoming more customer-friendly, by offering personalized and extensive coverage benefits.

    Written By: PolicyBazaar - Updated: 09 July 2021

    Health insurance articles

    Recent Articles
    Popular Articles
    11 Easy Tips to Save Money on Your Health Insurance Premium

    30 Nov 2021

    Health insurance has become imperative today with the cost of...
    Read more
    Health Insurance Vs Medical Loan – Which is Better?

    16 Nov 2021

    Medical emergencies always come unannounced. With medical...
    Read more
    8 Important Tips to Maintain a Healthy Diet for Your Kids

    15 Nov 2021

    For a parent, nothing is more important than the well-being of...
    Read more
    PMASBY Scheme: All You Need to Know About Pradhan Mantri Atmanirbhar Swasth Bharat Yojana

    25 Oct 2021

    The PMASBY or the Pradhan Mantri Atmanirbhar Swasth Bharat Yojana...
    Read more
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Read more
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer, the speculation continues regarding the difference between the...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    Download the Policybazaar app
    to manage all your insurance needs.