Health Insurance for Haemorrhoids (Piles)

What Does Haemorrhoids (Piles) Treatment Cost in India?

The treatment cost of haemorrhoids can vary depending on the type of treatment received. The average cost of piles surgery in India ranges from ₹30,000 to ₹1.5 lakh. Check out the cost of different components of haemorrhoids treatment in India:

Note: The above-mentioned costs may vary based on the type of treatment, hospital, city and severity of haemorrhoids.

Treatment of haemorrhoids can get expensive if a combination of therapy and surgery is used to treat piles. Health insurance can help cover these costly treatments so you can focus on getting better instead of paying bills.

Does Health Insurance Cover Every Stage of Haemorrhoids (Piles)?

Yes. Health insurance plans in India provide coverage for all stages of haemorrhoids or piles. Stage 1 and stage 2 are easier to treat and thus are less expensive. On the other hand, stage 3 and stage 4 are more difficult to treat and thus involve expensive surgical procedures. However, it is always better to read the terms and conditions of your policy carefully before raising a claim.

Benefits of Buying Health Insurance for Haemorrhoids (Piles)

Some of the key benefits of buying health insurance for haemorrhoids are as follows:

1. Costly Treatment for Piles

   Piles can be expensive to treat, especially if you are in stage 3 and stage 4. A laser surgery for haemorrhoids can cost anywhere between ₹45,000 to ₹1 lakh in India. Since surgery is usually the last step, you may have to try several treatment options that can add to your total bill. A mediclaim policy can help you afford these costly treatments for piles without exhausting your savings.

2. OPD Coverage

   Health insurance plans in India not only pay for day care treatments like laser surgery but also for OPD expenses, such as doctor consultations, diagnostic tests, medication, etc. All you need to do is ensure that your mediclaim policy comes with OPD cover so that you can claim these OPD expenses.

3. Cashless Treatment

   With medical insurance, you can undergo laser surgery for piles on a cashless basis without having to pay the hospital bill upfront. Instead, the insurance company will pay our hospital bill on your behalf for covered expenses, provided you inform them about your planned or emergency hospitalisation within the stipulated time.

Why Should You Buy Health Insurance for Haemorrhoids (Piles) Before Diagnosis?

Check out some of the reasons why you must buy health insurance for haemorrhoids in India before diagnosis:

1. Waiting Period

   All mediclaim policies cover haemorrhoid surgery after a waiting period of up to 2 years. If you are diagnosed with piles before buying the policy, you will have to serve a pre-existing disease waiting period of up to 3 years. Buying the policy early will ensure that the waiting period is over by the time you are diagnosed with piles, allowing you to raise a claim immediately.

2. Higher Premium

   Some health insurance companies can charge you a higher premium if you are already diagnosed with piles. This is because you are more likely to file a claim for haemorrhoids. But if you purchase medical insurance before diagnosis, you will be charged an affordable premium.

3. Coverage Denial

   If you have been diagnosed with haemorrhoids before buying health insurance, insurers have the option to deny you coverage and reject your proposal. This is because they may see you as a risky applicant and more likely to raise claims.

What is Covered by Health Insurance for Haemorrhoids (Piles)?

Health insurance for piles or haemorrhoids covers the following medical expenses:

• Day care procedures
• OPD consultations
• Diagnostic tests
• Surgical procedures, including laser surgery
• Hospitalization expenses
• Pre-hospitalisation expenses
• Post-hospitalisation expenses
• Ambulance charges

Note: The exact coverage may vary from one health insurance plan for piles to another.

What is Not Covered by Health Insurance for Haemorrhoids (Piles)?

Health insurance for piles or haemorrhoids does not cover the following:

• Unproven treatment
• Experimental treatment
• Dietary supplements and substances
• Hospitalisation that is not medically necessary
• Rest cure, rehabilitation and respite care

Note: The list of exclusions may vary from one health insurance plan for haemorrhoids to another.

Can You Buy Health Insurance After Being Diagnosed with Haemorrhoids (Piles)?

Yes, you can buy a health insurance policy after being diagnosed with haemorrhoids. However, you will have to serve a pre-existing disease waiting period of up to 3 years before raising a claim. Moreover, you may have to pay a higher premium as compared to people without haemorrhoids.

But not all insurers will offer you medical coverage if you have piles due to their underwriting criteria. Nonetheless, you must disclose your medical condition in all honesty so that there is no rejection of claims in future.

How to Choose the Best Health Insurance for Haemorrhoids (Piles)?

The following tips must be considered to choose the best health insurance for piles:

1. Sum Insured

   Choose a sum insured that adequately covers the treatment and surgical expenses for treating haemorrhoids.

2. Scope of Coverage

   Check if your health insurance policy covers day care treatment, as piles surgery is usually performed as a day care procedure.

3. Waiting Period

   Find out the waiting period for piles and select a plan with a lower waiting period.

4. Sub-limits

   Check for any sub-limits applicable to haemorrhoid surgery and choose a plan with no sub-limits.

5. Co-payment

   Opt for a policy that does not come with any co-payment if you claim the treatment cost of piles.