Mastoidectomy Covered Under Health Insurance 100% Cashless

Cost Covered Under Health Insurance/Mediclaim Policy for Mastoidectomy

Here are some standard procedures that are generally covered under a health insurance or a mediclaim policy:

In-patient hospitalization expenses: These include all the costs incurred during your hospitalization such as surgical fees, diagnostic and surgical instruments, ICU fees, nursing fees, consultation and follow-up fees.

Pre- hospitalization expenses: The cost of the doctor’s consultation, medical examination, diagnostic testing (such as imaging tests, urinalysis, blood tests, etc.), prescription medications, etc, may be included. The coverage can be partial or complete. Mediclaim may not cover these  costs. 

Post hospitalization expenses: It is also covered under health insurance or a mediclaim policy. These expenses include all the costs incurred after your hospitalization such as medication, treatment, diagnostic testing, etc. These charges may not be covered under a mediclaim policy. 

Ambulance charges: Often, ambulance expenses are reimbursed by health insurance (if any). The cost of the ambulance service, including transportation to the medical facility, will be reimbursed by your insurance carrier. Ambulance services may not be covered by a mediclaim policy.

Day care treatment: Mastoidectomy that needs a hospital stay of fewer than 24 hours will be covered by health insurance. Mediclaim may or mmmay not offer coverage in this case. 

No Claim Bonus: Medical insurance and mediclaim policies commonly provide “No Claim Bonus” benefits. If, for example, you spend a whole year without utilizing your health insurance claims, you’ll get rewarded by the insurance company for having a claim-free year. 

Domiciliary hospitalization: If your sickness prohibits you from going to a hospital for treatment, your mediclaim coverage may also cover domiciliary hospitalization. You will still be eligible for reimbursement for at least three days of medical expenditures. This is generally covered under health insurance policies only. 

Additional expenses: In addition to these extra costs, mediclaim insurance covers second opinions, ICU and ambulance bills, and multiple therapies for the same ailment.

What is the Difference Between a Health Insurance and a Mediclaim Policy?

Health insurance provides comprehensive coverage for medical expenses including hospitalization, doctor’s fees, diagnostic tests, ambulance charges, etc., while mediclaim policies are limited to covering only hospitalization expenses.

Benefits such as pre and post-hospitalization expenses, day care procedures, organ donor expenses, etc., are all covered health insurance, while mediclaim policies only cover hospitalization costs.

Health insurance policies offer higher coverage limits, and often have additional features such as wellness benefits, critical illness coverage, maternity benefits, etc., while mediclaim policies typically offer lower coverage limits and fewer additional features.