Is Piles (Hemorrhoids) Treatment Covered Under Health Insurance?

Cost Covered Under Health Insurance Policy

If you opt for enough coverage, the health insurance policy will cover most of the treatment cost for piles. It includes:

• In-patient hospitalization: In case you are hospitalized because of a medical condition, and it is covered in the health insurance policy, the hospitalization expenses will be borne by the insurer. In-patient hospitalization costs include:
  1. Room rent or boarding expenses
  2. Nursing expenses
  3. ICU charges
  4. Doctor consultation
  5. Surgery
  6. Additional costs, 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 in the healthcare insurance. These include post-hospitalization consultation, diagnostic tests, medicines, drugs, etc.
• Ambulance charges: Your health insurance plan also includes expenses involved in commuting you to a hospital by ambulance.
• Daycare treatment: Your health insurance plan will also cover the costs of all treatments and procedures undertaken as an in-patient for less than 24 hours.

What Is The Difference Between Health Insurance And Mediclaim?

In comparison to Mediclaim insurance, the health insurance plan provides comprehensive medical coverage against hospitalization expenses, pre-hospitalization charges, post-hospitalization charges, ambulance costs, etc. Whereas, a Mediclaim plan provides coverage only against hospitalization that occurs due to the medical condition, surgery, and pre-existing illnesses up to a pre-specified limit. 

Another major point of difference is that a health insurance plan provides flexibility to enhance or reduce coverage, whereas under Mediclaim there is no flexibility when it comes to coverage. Also, to claim a Mediclaim policy, the insured person should be hospitalized otherwise they won’t be able to get the claim. But, there is no such requirement if you are using a health insurance policy to get treatment for piles.