Cost Covered Under Health Insurance/Mediclaim Policy for Deviated Nasal Septum Surgery
Most health insurance and mediclaim policies cover the major part of deviated nasal septum surgery i.e. septoplasty. It may vary for each individual depending on their insurance policies. Typically, the standard expenses that your policy may cover are:
In-patient hospitalization
The total cost of your hospital stay as an inpatient includes all expenses incurred while you were hospitalized for a disease or injury. Your insurer will cover the entire cost if your insurance policy includes hospitalization coverage. These fees could cover lodging or board costs, ICU fees, nursing fees, consultation and follow-up costs, surgical fees, the cost of diagnostic and surgical instruments, and more.
Pre-hospitalization expenses
Most insurance plans typically cover your potential medical expenses up to a predetermined time before being hospitalized for deviated nasal septum surgery. This could involve the cost of the doctor’s consultation, medical research, diagnostic tests (such as imaging tests, urinalysis, blood tests, etc.), medications, and other costs. However, you should be aware that the aforementioned pre-hospitalization expenses are only partially covered.
Post-hospitalization expenses
Similar to pre-hospitalization costs, post-hospitalization costs are also covered by particular medical insurance and mediclaim policies. The policy covers the costs of medications and care after you are discharged from the hospital. Medication, therapy, diagnostic tests, etc. are typical pre-hospitalization expenses that insurers cover.
Ambulance charges
Health insurance policies commonly cover ambulance fees (if any). The insurance company will provide coverage for the costs associated with the ambulance service, including the expense of getting you to the medical facility. Ambulance services might not be covered by a mediclaim policy.
Day-care treatment
All daycare procedures involving deviated nasal septum surgery that necessitate a hospital stay of fewer than 24 hours are covered by health insurance and mediclaim plans.
No Claim Bonus
‘No Claim Bonus’ benefits are usually provided by both medical insurance and medicare policies. You get a bonus if, for a year, for example, you don’t use your health insurance claims for a certain amount of time. Additionally, your coverage limit for the following year may be increased by the insurer.
Domiciliary Hospitalization
When you cannot go to a hospital for treatment because of your condition, the mediclaim policy may also cover domiciliary hospitalization costs. You will still be eligible for compensation for at least three days of medical care.
Additional Coverage
You can also pay for extra costs that arise during treatment with mediclaim insurance, such as ICU charges, and alternative therapies for the same illness.
