Stapedectomy Covered Under Health Insurance 100% Cashless

Cost Covered Under Health Insurance Policy for Stapedectomy

Some standard expenses covered under health insurance policies, include:

• In patient hospitalization expenses incurred during hospitalization such as doctor’s consultation fees, nursing fees, diagnostic tests etc.
• Pre hospitalization charges incurred before your admission to the hospital such as diagnostic tests, Pre-surgical medicines etc. 
• Post hospitalization charges incurred when you are leaving the hospital such as medicines, follow up charges, diagnostic test charges etc. 
• Ambulance charges are covered under the health insurance policy but not in the mediclaim policy. 
• Day care treatment expenses that need hospitalization for more than a day. 
• No claim bonus if you haven’t claimed your insurance for a specific period of time, then the insurance provider offers the bonus. 
• If you are not in a condition to visit the hospital, then you can get the home treatment for the same disease for up to 3 days and get the reimbursement. 
• You can also get additional insurance coverage such as ICU charges, therepy etc. 

Note: Some of these expenses may not be covered under mediclaim policies. However, you can contact your insurance provider to obtain clarity on what’s covered in your mediclaim policy. 

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

A health insurance policy is a comprehensive insurance policy that covers a wide range of medical expenses, including the cost of hospitalization, pre and post-hospitalization requirements, diagnostic tests, doctor consultations, and more. It also covers pre-existing medical conditions and has a higher ‘sum insured’ limit.

On the other hand, a mediclaim policy is a limited insurance policy that covers only hospitalization expenses up to a certain sum insured limit. It covers expenses like room charges, doctor’s fees, nursing charges, and other medical expenses incurred during hospitalization.

In simple terms, health insurance covers more medical expenses and offers a wider range of coverage, while a mediclaim policy covers only hospitalization expenses up to a certain limit.