Does Health Insurance Cover Robotic Surgery?

Medical advancement has made complex procedures simpler for doctors to perform. Robotic surgery is one of the many inventions made with the advancement in medical technology.It has become highly common in oncology and general surgery. In case you are wondering if robotic surgery is covered by health insurance in India, read on to find out.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*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

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      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

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      What is Robotic Surgery?

      Robotic surgery is a type of surgery performed with the help of tiny tools attached to a robotic arm. It allows surgeons to perform complex surgical procedures with better precision, control, and flexibility as compared to traditional techniques. Under this surgery, the surgeon directs the movement of the robot while sitting at the computer station.

      Mostly, robotic surgery is required for brain surgery, heart replacement surgery and cancer of vital organs amongst other conditions. However, robotic surgery is an expensive procedure in India. Usually, the cost of robotic surgery ranges from Rs 1.4 lakh to Rs 11 lakh depending on the type of surgery and the city where the surgery will take place.

      For example, the cost of cardiothoracic robotic surgery is more than an abdominal robotic surgery. Similarly, robotic surgery costs more in metropolitan cities like Delhi than in tier 2 cities like Varanasi. As a result, robotic surgery is difficult to afford for most people in India.

      Is Robotic Surgery Covered by Health Insurance Plans in India?

      Yes. Health insurance plans in India cover the cost of robotic surgery. As per the guidelines issued by the Insurance Regulatory & Development Authority of India (IRDAI) in 2019, all health insurance companies have to mandatorily provide coverage for robotic surgeries. As a result, every insurance company covers robotic surgery costs in at least one of their plans under modern treatment.

      The coverage for a robotic surgery includes the cost of hospitalization, surgery fees, doctor’s fees, nursing charges, ICU charges, etc. The plan also covers the pre-hospitalization and post-hospitalization expenses associated with the surgery. Some insurance companies may also cover the cost of the ambulance services used to transport the patient to the hospital.

      Conditions Applicable Under Health Insurance Plans for Robotic Surgery Coverage

      Robotic surgeries are covered under health insurance only if the surgery has been advised by a qualified surgeon trained in the technique. Without the recommendation of a qualified surgeon, insurance companies will deny the claim. Moreover, if the surgeon recommending robotic surgery is not trained in the technique required to perform the surgery, the claim will get rejected.

      Besides, the coverage for robotic surgeries may be subject to sub-limits. This means that the insurance company will cover the cost of robotic surgery as per the pre-specified limit. The remaining expenses will have to be paid by the policyholder. For example, if robotic surgery comes with a sub-limit of 1% of the sum insured and the sum insured if Rs 10 lakh, the policy will cover surgery costs of up to Rs 1 lakh only.

      Health Insurance Waiting Period for Robotic Surgery

      Robotic surgeries are not covered under health insurance plans from day 1. Instead, policyholders need to wait out a pre-defined waiting period to avail coverage for robotic surgery. The waiting period may vary as per the disease or medical condition that requires a robotic surgery. For example, if robotic surgery is required for knee replacement surgery, a waiting period of 2-3 years may apply.

      But in case the insured was diagnosed with a medical condition requiring a robotic surgery before purchasing the policy, the waiting period for pre-existing diseases will apply. This is because the said disease or medical condition will be considered pre-existing in this case. Usually, pre-existing diseases are covered by health insurance plans after a waiting period of 2 to 4 years.

      Summing It Up

      Robotic surgery is a precise, minimally invasive, and more flexible form of performing complex surgeries. However, the surgery can be performed only by trained surgeons and thus, is highly expensive. Thankfully, health insurance plans in India cover the cost of robotic surgery.

      Do remember to check the sub-limits, co-payments, and other conditions for the surgery before buying a policy. Also, do not forget to compare health insurance for robotic surgery online before choosing the best plan for yourself.

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

      Health insurance articles

      Recent Articles
      Popular Articles
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      Read more
      Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

      06 Sep 2022

      As we grow old, the chances of developing a disease or a medical...
      Read more
      Benefits of Multi-Year Health Insurance Plans

      25 Aug 2022

      Ever since COVID-19 entered our lives, health insurance has come...
      Read more
      Does Health Insurance Cover Monkeypox?

      25 Jul 2022

      Monkeypox is the latest disease to make its way to India while we...
      Read more
      List of Diseases Covered by Bajaj Allianz Health Insurance Plans

      05 Jul 2022

      Barely any person has remained unaffected due to rising health...
      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
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
      Read more
      Best Health Insurance Plans for Senior Citizens in 2022
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
      Read more

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