Knee Replacement Surgery Health Insurance

The knees sustain the entire body weight and facilitate movement. This is why poor knees can be so inconvenient, especially for the elderly. While knee replacement surgery is the final solution, it might cost anywhere between Rs 50,000 and Rs 2 lakh. If you do not want to deplete your funds, you must purchase a health insurance plan that includes knee replacement coverage.

While some insurance companies allow you to file a claim for payment for knee replacement surgery, only a few of them offer supplementary risk coverage for a knee replacement among critical illness insurance in India. Continue reading to find out more about knee replacement surgery, commonly known as arthroplasty.

What exactly is a knee replacement/arthroplasty?

Our seemingly simple knee joints are readily jeopardized due to a variety of variables that we may initially overlook. The most prevalent reasons are ageing, a sedentary lifestyle, obesity, and a variety of other conditions.

While osteoarthritis is known to be the leading cause of knee surgeries in India, there can be many reasons that people may experience chronic knee pain, which makes knee replacement a necessity in order to restore normal functions in the knee.

Most people choose this procedure because of chronic knee stiffness and pain. Aside from osteoarthritis, rheumatoid arthritis, ligament rips and other cartilage flaws can also cause damage to your knees, necessitating a replacement.

Knee replacement surgery entails replacing the damaged bone and cartilage with the necessary prosthesis or artificial joints. It is critical to understand the entire degree of the damage and the sort of replacement required:

Total knee replacement entails the replacement of the entire knee with prostheses.

Only the damaged region of the knee is replaced with a partial replacement.

Bilateral knee replacement entails replacing both knees at the same time.

What is the average cost of Knee Replacement Surgery?

Your expenses are determined by your overall health and the location of your procedure. Other pre-existing knee issues affect the cost of your surgery as well. This can cost anything between Rs 50,000 and Rs 2 lakhs because of the high expense of these prosthetics, which are frequently imported from other nations.

In the event of knee replacement surgery, you should consider the following additional costs:

• The length of your hospital stay
• You may require physiotherapy or physical therapy in the hospital in the future.
• Additional therapy while recuperating at home
• Transportation expenses
• Additional tests and examinations

With these considerations in mind, you should be aware of how much it will cost you and how much of it will be covered by your insurance policy. As a result, it is strongly advised that you obtain health insurance coverage for your knee replacement operation.

Why Should You Get Health Insurance for Knee Replacement Surgery?

In the case of serious knee problems, most specialists recommend knee replacement surgery. This enables the user to live a pain-free and pleasant life once more. However, if you have any issues or do not have medical insurance that covers the costs of this procedure, this can be rather costly.

Make sure you purchase health insurance coverage that includes a sufficient sum insured for your knee replacement surgery. Here are some additional advantages to purchasing a comprehensive health insurance plan:

Your hospital fees will be settled directly with your hospital if you use a cashless treatment facility. You only need to go to a hospital that is part of your insurance's network. However, for flawless service, you may need to book your hospitalization ahead of time.

Treatment Coverage: A decent plan will cover your pre-hospitalization and post-hospitalization expenses. This can include accommodation expenditures as well as the surgeon's expenses. Your health insurance policy will also cover the costs of in-patient hospitalization.

To sum up

For a long time, this surgery was classified as a cosmetic procedure or implant. However, things have changed in India, with many health insurance coverages covering knee replacement surgery.

Before purchasing a suitable health insurance policy for knee replacement surgery, you should be aware of several crucial details, such as the waiting time and any increase in your regular rate. While many insurance companies now give this coverage, some only agree to pay half of the total cost of knee replacement surgery.

There could possibly be a longer waiting period of 2 years to 4 years before you can register this claim. So, make sure you thoroughly review all of these benefits by comparing health insurance policies online on Policybazaar so that you can include a solid knee replacement cover in your plan.