Is Circumcision Surgery Covered Under Health Insurance?

Cost Covered Under Health Insurance Policy

Some of the costs that are covered under a health insurance policy are:

• In-patient hospitalization – In case you are hospitalized because of a surgery that is covered by the health insurance plan, the hospitalization expenses will be borne by the insurance company. In-patient hospitalization costs include:
  •  Room rent or boarding expenses
  •  Nursing expenses
  •  ICU charges
  •  Doctor consultation
  •  Surgery
  •  Additional expenses, like surgical tools, diagnostic material, etc.
• Pre-hospitalization costs – All medical expenses incurred before you are hospitalized, up to a pre-specified period, are included in the health insurance plan. These include doctor consultations, preliminary procedures, preventive surgeries, diagnostic tests, medicines, etc.
• Post-hospitalization costs – All costs involved in your care after you are discharged from the hospital, up to a pre-specified period, are covered by the healthcare insurance. These include post-hospitalization consultation, diagnostic tests, medicines, drugs, etc.
• Home treatment features – Sometimes people with a conventional mindset want to be treated in the comfort of their homes instead of going to the hospital due to personal preferences. Almost all health insurance plans today include this feature and do not differentiate a professional medical setup from a domiciliary one.
• Cash allowances  – A daily cash allowance under health insurance is a fixed amount that can be availed to pay for the added inadmissible expenses when you are hospitalized. The amount is normally fixed at the time of availing the insurance policy and is fixed until the end of the policy tenure.

What Is The Difference Between Mediclaim and Health insurance?

Mediclaim and health insurance are two terms that people use interchangeably, but these two are different from each other. A health insurance policy is a more comprehensive insurance policy whereas Mediclaim is a more restricted one. A health insurance plan includes medical expenses in the pre and post-hospitalization period along with the surgery costs.

Whereas, Mediclaim insurance covers only hospitalization expenses related to the surgery. Also, a health insurance plan provides the benefit of add-ons like critical illness coverage, loss of income, etc. which increases the coverage, but Mediclaim insurance does not provide any add-on cover.

Furthermore, health insurance operates on the principle of benefit. It means that once you fall ill and your medical condition is included in the health insurance plan, the insurance company will pay you a lump sum amount for your treatment. Whereas Mediclaim operates on the principle of indemnity. It means that one can claim refunds only after hospitalization.