Cost Covered Under Health Insurance/Mediclaim Policy for Tympanoplasty
A major portion of a tympanoplasty procedure is covered by most health insurance and mediclaim policies. Individual insurance policies may differ. In general, insurance may cover the following expenses:
In-patient hospitalization
Hospitalization charges include expenses incurred during a hospital stay for a disease or injury. Insurers who provide hospitalization coverage will cover the entire cost. Surgical fees, diagnostic and surgical instruments, ICU cost, nursing fees, consultation and follow-up fees, and lodging fees are all included in these charges.
Pre-hospitalization expenses
The majority of insurance coverage often covers some pre-hospitalization expenses up to a set period before you are admitted to the hospital for tympanoplasty. The cost of the doctor’s consultation, medical examination, diagnostic testing (such as imaging tests, urinalysis, blood tests, etc.), prescription medications, and other costs may be included.
Post-hospitalization expenses
A health insurance policy may cover post-hospitalization costs in a similar manner as pre-hospitalization costs. Medication and care after discharge from the hospital are covered under the policy. Typically, pre-hospitalization expenses covered by insurers include medication, therapy, diagnostic tests, etc. These costs are generally not covered in a mediclaim policy.
Ambulance charges
Ambulance expenses are frequently covered by health insurance (if any). The cost of bringing you to the medical facility as well as any other ambulance-related expenditure will be covered by the insurance provider. A mediclaim coverage might not cover ambulance services.
Day-care treatment
Tympanoplasty is covered by health insurance and mediclaim policies if hospital stay is less than 24 hours.
No Claim Bonus
Health insurance and mediclaim policies typically offer ‘No Claim Bonus’ advantages. If, for example, you go a whole year without using your health insurance claims, you receive a bonus. Also, the insurer may raise your coverage limit for the next year.
Domiciliary Hospitalization
The health insurance coverage can also cover domiciliary hospitalization if your illness prevents you from traveling to a hospital for care. You’ll still be entitled for reimbursement for at least three days’ worth of medical expenses.
Additional Coverage
With health insurance insurance, you may also cover other expenses that recur during treatment, such as ambulance and ICU bills, second views, and different therapy for the same problem.
