By Mike Lee
Today’s fast-paced and high-stress lifestyle can contribute to a lot of unhealthy dietary choices, making people reach for a more convenient option like fast food or ultra-processed food. As a result, it can lead to unhealthy weight gain. Not only is this weight gain unhealthy, but losing it is not easier, which results in health issues like obesity, diabetes, etc.
That is why several people opt for bariatric surgery, which can be expensive. Thus, people require health insurance to cover the cost. But does it happen? Keep reading to find out.
What is Bariatric Surgery?
Bariatric surgery is a medical weight-loss procedure that requires an operation. It involves changing the digestive system to facilitate weight loss after the operation. The process is helpful for people who have been unsuccessful in losing weight through traditional methods.
There are various types of bariatric surgeries. Some procedures limit the amount of nutrients absorbed by the body, while others restrict the amount of food you can eat. Moreover, some precautions and lifestyle changes need to be followed after the operation.
What is the Bariatric Surgery Cost Without Insurance?
The bariatric surgery cost without insurance can be around ₹2.8 lakhs to ₹6 lakhs. The exact amount of surgery depends on various factors like the hospital chosen, surgeon’s fees, patient’s condition, healthcare facilities provided and more.
That is why it is crucial to get health coverage, including bariatric surgery coverage, so that you can get treatment without burning holes in your pockets.
Is There a Health Insurance That Covers Bariatric Surgery?
Yes, most health insurance coverage includes bariatric surgery insurance because of the guidelines established by the Insurance Regulatory and Development Authority of India in 2019. Bariatric surgery inclusion is mentioned in the insurance documents.
However, you must confirm this with your insurance provider. Make sure you check your health or critical illness insurance papers carefully to avoid any issues during claims.
Who is Eligible to Get Bariatric Surgery Under Health Insurance?
- A person who is 18 years of age and undergoing surgery
- A person with a body mass index (BMI) of 40 or above is considered eligible
- A person with a body mass index (BMI) of 35 and is suffering from comorbidities like diabetes, stroke or heart problems
- The person must have a doctor’s prescription and relevant diagnostic test reports
Documents Required to Raise Claim for Bariatric Surgery Insurance
- Medical reports highlighting the history of health-related issues due to obesity
- Evidence of lifestyle and dietary habit changes for weight loss
- Evidence of unsuccessfulness in losing weight while going through pharmacological therapy (optional)
Waiting Period Under Health Insurance for Bariatric Surgery
The waiting period in health insurance is a time during which you (the policyholder) cannot make any claims for health-related issues. In most cases, the insurance company has a waiting period of 30 days immediately after buying the policy. However, if you have any pre-existing medical condition, then the waiting period could be around 2 to 3 years.
To Wrap It Up
Weight issues are ever-increasing due to poor lifestyle choices and other health-related reasons. Thus, to counter this issue, people resort to medical procedures like bariatric surgery. Although this surgery does provide a solution for obesity, the cost of surgery and post-operative medical care is expensive.
Therefore, it’s crucial to have health insurance that covers bariatric surgery expenses. This ensures you can receive the necessary treatment without the added stress of financial strain, providing a sense of security and protection.
