Is Knee Replacement Surgery Covered by Health Insurance?

Knee pain is one of the common problems diagnosed in orthopaedic clinics. All of us have seen our parents and grandparents suffering from extreme pain in knee joints for which the only permanent treatment available is knee replacement surgery. However, knee replacement surgery is an expensive treatment which can not be borne by every household in India. This creates the need for health insurance coverage, such as mediclaim insurance for parents.

Understanding Knee Replacement Surgery

Knee replacement surgery is performed on patients with damaged or degenerated knee joints in order to restore movement. Most of these surgeries include middle-aged or senior citizens suffering from extreme pain in knee joints.

A few common benefits of knee replacement surgery are:

• Most people can feel the difference within 2-3 weeks of the surgery with regular medication and therapy if required.
• People who are suffering from extreme pain can get a permanent solution to their problems.
• One can get back to normal work life after 4-6 weeks of rest and fewer physical activities.
• As most knee replacement surgeries have a positive success rate, the chances are almost 100% of an individual getting long-term benefits.

The Doubt Regarding Knee Replacement Surgery

It is still a doubt among many people if their insurance policy covers knee replacement surgery. Earlier, it was under a grey area where it was considered a cosmetic procedure. But now most health policies, including mediclaim insurance for parents, cover knee replacement surgery.

Also, most people are not aware of the government and privately run insurance for senior citizens, specifically covering knee replacement surgery. These were designed keeping in mind the increasing number of claims filed for knee replacement in the last decade. By obtaining them, you can enjoy health coverage customised to your needs. Moreover, if you have been a policyholder of a particular insurer for many years, then there is a high chance that the insurer agrees to pay 50% of the total cost of treatment under your ongoing insurance plan.

Benefits of Having the Best Mediclaim Policy for Parents

It is advisable to opt for the best mediclaim policy for parents who are getting older with each passing day. Having adequate cover will help you in the case of knee replacement surgery by offering the following benefits:

Cashless Treatment Facility

Health insurance policies provide you with cashless treatment in hospitals listed on the policy documents. You need not worry about the heavy bills as they will get settled by your insurance provider.

Cover for Post-Surgery Expenses

If you are planning to buy mediclaim insurance for parents, it becomes of utmost importance to look for policies which cover post-surgery expenses. Physiotherapy, medications, regular medical check-ups etc., are a few examples of post-surgery expenses.

We are always worried about the health of our parents and can not see them suffering. There are various health insurance plans for senior citizens, which can be a good choice to consider when purchasing the best mediclaim policy for parents.