Health Insurance for Hernia Surgery

Typically occurring in the groin area or abdomen, a hernia is a noticeable bulge that protrudes through weakened muscles or tissues. Sometimes, it can come and go while doing different activities. Treatment for this condition can be extensive and might include various associated costs. Considering the soaring healthcare expenses, understanding hernia surgery costs and coverage becomes imperative. The expenses associated with hernia treatment, specifically hernia repair surgery, can take a significant toll on your savings.

Read on to learn more about hernia and health insurance for hernia surgery. We will also take a look at other aspects like what precautions you should take after hernia surgery, whether sports hernia surgery is covered by insurance, and if hiatal hernia surgery is covered by insurance.

When Do I Need  Hernia Insurance?

Hernia can be of various types, such as inguinal (groin area), umbilical (belly button), incision (due to any surgery cut), ventral, or hiatal (upper stomach).  If you have undergone an imaging test (abdominal + pelvic ultrasound) and your health examiner has confirmed a hernia, the only possible treatment course is surgery.

Despite the advancement in medical science, there is no oral medication available yet that can cure hernia without surgical intervention. You have to prepare yourself financially as well as mentally for a 3D mesh hernia repair surgery. Don’t worry! This is a general daycare surgery. You will get discharged on the same day, and soon, you will be able to resume your daily activities without too many restrictions. Typically, there are minimal to zero chances of the disease recurrence after surgery.

Keeping in mind the rising medical costs, having a comprehensive health insurance policy is the only way to avoid digging into your savings in case of a medical emergency. If your health insurance covers hernia surgery, it will be available to assist you when you need financial help in managing the hospital bills without depleting your savings. You can either visit your network hospital for cashless surgery or opt for a reimbursement treatment.

Does Health Insurance Cover Hernia Surgery?

Yes, in most cases, health insurance covers hernia surgery. However, the policy’s inclusions and exclusions, may vary from policy to policy. Also, please keep in mind that the nature of claim settlement for hernia surgery can vary depending on the insurer. You should be aware of the following points to prevent the risk of claim rejection or low-amount claim settlement for hernia surgery:

1. You Will Have to Serve a Waiting Period

You should know the waiting period of your chosen health insurance policy. Your coverage for hernia surgery will be effective once you have served the waiting period, which can range from 30 days to 4 years. So, checking the waiting period before planning a treatment is always crucial.

2. Be Aware of Policy Exclusions

Generally, a regular health insurance plan offers you the coverage benefits for hernia repair surgery. However, it is always advisable to enquire with your insurance provider about the same. It is highly recommended that you go over your policy brochure before buying it to understand the policy exclusions and inclusions. It may be possible that the health insurance that you have been planning to buy excludes a certain type of hernia treatment, hernia cause, or hernia surgery from the coverage list.

3. Check With Your Insurer for Sports Hernia Coverage

If you are a sportsperson, you may wonder if sports hernia surgery is covered by insurance?. If you are at risk of sports related injuries, make sure you convey the same to your insurer at the time of policy purchase/ renewal. This will help you stay informed about your policy coverage and limitations.

4. The Coverage is Directly Dependent on the Chosen Sum Insured

Next, you should inquire if hernia surgery covered by insurance offers coverage up to the limit of the sum insured. If not, you should find out what insurance covers hernia surgery up to the sum insured. This will help you to opt for the plan as per your health insurance needs and affordability.

5. Check the Coverage for Your Newborn Baby

If your newborn baby has been suffering from a hernia as a birth defect, you have to arrange funds for the hernia repair surgery. If you have been looking for a health insurance cover for this purpose, you should enquire whether your policy will give coverage for congenital anomalies. In some cases, external anomalies are not covered. So, before finalising any health policy, you should find out if the medical insurance covers hernia surgery for your newborn.

6. You Can Opt for AYUSH Treatment

Some patients rely on AYUSH treatment for their treatment. In case you do too, you should  inquire with your insurance provider, is hernia covered under health insurance along with AYUSH treatment.

7. Do Not Miss Your Policy Renewal

If you want to ensure complete health coverage, you should know the policy renewal date and how to apply for the renewal. If you do not apply for your policy renewal on time, your policy will lapse. You can’t claim for the hernia surgery expenses on your lapsed policy. In this case, your indemnity plan will be ineffective.

Get Coverage for Hernia Surgery with Care Health Insurance

If you have been on the lookout for the best health insurance for your hernia surgery, Care Health Insurance can be your answer. You can effortlessly cover hernia-related medical expenses after serving a short waiting period of 24 months only.

Another advantage is that you can opt for cashless hernia surgery in the Care Health Insurance’s partnered network hospital. Presently, over 22,900 cashless network providers are associated with Care, offering easy access to cashless treatment.Alternatively, you can also opt for a reimbursement claim settlement. The entire process is quick and easy with Care. Once your claim for hernia surgery expenses is approved, the claim amount will be processed to your bank account in a few days.

Let’s look at the following table to understand how Care Health Insurance is the right choice for your hernia surgery coverage and other such medical conditions:

What Precautions Should You Take after a Hernia Surgery?

After your surgery, you are advised to stay in a hospital for a few hours or a few days, depending on your age and health condition. Normally, you would be able to get back to normal life within 1-2 weeks of the surgery. But if your everyday routine or job includes strenuous activities like lifting heavy objects, you should inform your doctor before the surgery and follow the given instructions strictly. You would have to be more careful even after two weeks.

Let us take a look at some of the common do’s and don’ts for an easier recovery post-surgery: 

Do’s

• Clean your incision wound/cut regularly as the doctor advises you.
• Take a rest for a few days at home. 
• Diet should be supplemented with fibre rich food in order to make bowel movements easier and avoid constipation. 
• Hydrate your body with a good intake of water. Drink at least 8 glasses of water a day.
• Try to stay active and stimulate your metabolism.
• Take a shower after 36 hours of surgery, preferably after consulting your doctor.  Keep your incision area clean and dry.

Don’ts

• Lift heavy objects or other strenuous activities.
• Swim.
• Indulge in physical exercise, as this may be the cause of bleeding or pain.
• Smoke, drugs, or alcoholic beverages.
• Ignore pain, bleeding, swelling, and irritation in your incision area. Consult your doctor immediately.

>> Also Read: Know about Hernia Causes, Symptoms, and Treatment

Final Word

In a nutshell, health insurance for hernia surgery should be on your priority list if you or any of your family members have been struggling with it. Care Health Insurance offers optimal protection for health emergencies and procedures, ensuring you have the financial support needed for medical care. With comprehensive coverage, Care Health Insurance policies provide peace of mind, making it the best choice to manage your health-related uncertainties and safeguard your well-being.

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.