Is Rectal Prolapse Treatment Covered Under Health Insurance?

Costs Covered Under Health Insurance for Rectal Prolapse

Depending on your specific insurance plan, the extent of the coverage of your rectal prolapse surgery will likely vary. Some services that are usually covered by most health insurance plans for rectal prolapse treatment in India are given below:

• In-patient Hospitalization: In case you require hospitalization due to your condition, the hospitalization expenses are borne by the insurer as long as it is included in your specific plan. Hospitalization expenses typically include:
  • Hospital room rent or boarding expenses
  • Nursing expenses
  • ICU charges
  • Doctor consultation
  • Surgical tools and diagnostic equipment
  • Surgery
  • Additional amenities and facilities

• Pre-hospitalization Costs: All medical expenses that are incurred prior to your hospitalization are typically included in your health insurance plan. However, this is only up to a pre-specified period. Pre-hospitalization costs typically include doctor consultations, preliminary procedures, preventive surgeries, diagnostic tests, medications, etc.
• Post-hospitalization Costs: After your rectal prolapse surgery and discharge, all costs involved in your recovery period and aftercare are covered in insurance plans. However, similar to pre-hospitalization costs, these too are only up to a pre-specified period. These costs usually include postoperative follow-ups, medications, etc.
• Ambulance Charges: If you require an ambulance to commute to the hospital for treatment, its expenses are typically covered by an insurance plan. However, the extent may vary depending on your specific insurance plan.
• Daycare Treatment: Your health insurance plan will likely cover the costs of additional amenities and treatments performed as an in-patient in less than 24 hours after surgery.

What Is The Difference Between Health Insurance And Mediclaim?

When it comes to health insurance and mediclaim, there is often confusion among patients about which one is best suited for them. And while both can appear similar at a glance, they are different from each other. A primary difference between health insurance and mediclaim is that a health insurance plan provides comprehensive medical coverage for hospitalization expenses, pre-hospitalization expenses, post-hospitalization charges, ambulance costs, and daycare treatment costs, a mediclaim procedure only covers hospitalization expenses.

Additionally, an insured person must be hospitalized before claiming coverage through mediclaim. Otherwise, they will not be able to raise a claim. However, no such criteria are required for raising a claim for a health insurance plan for rectal prolapse surgery. To help you understand the difference even better, given below is a detailed overview of the major differences between health insurance and mediclaim.