If you opt for enough coverage, your health insurance policy will cover most of the treatment costs for your medical condition. Some of the costs that are included in a health insurance policy include:
- Pre-hospitalization costs
When you fall sick, you visit a physician and get a consultation for your medical condition. If the physician recommends you to get hospitalized and undergo a medical procedure that is covered by a health insurance plan, the expenses you incur before getting admitted are borne by the insurer. These medical expenses include preliminary procedures, diagnostic tests, preventive surgeries, etc.
Since myomectomy is a surgical procedure covered under a health insurance policy, the insurance company will bear all the hospitalization costs incurred before getting admitted to the hospital.
- Post-Hospitalization Expenses
The medical expenses incurred after discharge generally include medications and medical tests to monitor overall health and recovery. However, it is essential to know that while most health insurance plans include post-hospitalization expenses, they are restricted to a specified number of days. In most cases, insurers cover post-hospitalization costs for up to 90 days (the duration varies from insurer to insurer).
In addition, the post-hospitalization expenses are covered only if the disease or the ailment for which you get hospitalized is included in your health insurance plan.
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 for your treatment. The amount is normally fixed at the time of availing the insurance policy and is fixed until the end of the policy tenure.
A health insurance plan also covers the costs of all treatments and medical procedures undertaken as an in-patient for less than 24 hours.
Home treatment, also known as a domiciliary treatment, refers to a scenario where a policyholder requires hospitalization but is treated at home. It may happen when the patient’s medical condition is such that they can’t leave home or when there is a shortage of beds or other resources. Almost all health insurance plans today include this feature and do not differentiate a professional medical setup from a domiciliary one.
Cashless Payment Service for Myomectomy at Pristyn Care
Pristyn Care aims to make myomectomy surgery almost cashless for all patients who have a genuine mediclaim or health insurance policy. Our cashless payment service works in the following manner:
- We collect insurance-related documents from the patients and verify the documents with the insurance provider.
- Once the verification is done, we go through the patient’s insurance policy to determine what is and isn’t covered under it, and inform them of any applicable deductibles.
- The patients get two options, i.e., cashless payment and no-cost EMI to pay for the myomectomy surgery.
- Our care coordinators are accountable for handling the cashless payment and submitting the claim-related documents to the insurance provider.
- As soon as the claim gets sanctioned, the patient is admitted to the hospital and our care coordinator takes care of all the required formalities during the surgery.
