Top 12 Advance / Modern Treatment in Health Insurance?

Introduction

In today’s modern era, where our daily routine is hectic and it is not known that no matter how much you try to keep yourself fit, no one knows what will happen when sometimes a medical emergency occurs. Many advanced and modern treatments may be required, so we should also know whether these are included in our health insurance plans. And we should also know how it works.

In this article, we will cover all those parts, as per the instructions of the insurance regulator, a total of 12 types of advanced/modern treatment are covered in Health Insurance Plans, as we know that Health Insurance companies when a disease is diagnosed. If there is a problem, then the claim is given for its treatment and not for diagnosing any disease, hence all these treatment procedures are used only when needed.

List of Advanced / Modern Treatment Methods in Health Insurance which is covered in across health insurance plans in India:-

• Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
• Balloon Sinuplasty
• Deep Brain Stimulation
• Oral chemotherapy
• Immunotherapy – Monoclonal Antibody to be given as an injection
• Intravitreal injections
• Robotic surgeries
• Stereotactic radio surgeries
• Bronchial Thermoplasty
• The vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
• IONM – (Intra Operative Neuro Monitoring)
• Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

Uterine Artery Embolization and HIFU (High intensity focused ultrasound) –

A uterine tumor is removed through this procedure, which is related to female disease, its cost can be from Rs 2 to 3 lakh in the metropolis and it is available in different hospitals, it may vary from city to city and hospital to hospital.

Balloon Sinuplasty-

This is a common surgery for the treatment of sinusitis, its cost can range from Rs 1.5 to 2.5 lakh in a metropolitan city and it may vary from hospital to hospital.

Deep Brain Stimulation-

This is a type of neurosurgery that is done to cure Parkinson’s disease or to reduce its symptoms, its cost can be from 8 to 15 lakhs in a metropolitan city and it varies in different hospitals. It is possible.

Oral chemotherapy-

This procedure is used for the treatment of oral cancer, its cost can range from Rs 2.5 lakh to Rs 5 lakh in a metropolitan city and it may vary in different hospitals.

Immunotherapy –

Monoclonal Antibody to be given as injection- With these modern advanced procedures the body’s immunity is boosted which helps treat diseases like cancer, in the metropolis its cost is from 1 lakh to 3 lakh (per injection). And it may vary from hospital to hospital.

Vitreal injections-

This treatment procedure helps in treating diseases like infection, swelling, and bleeding in the eyes, in the metropolis, it can cost from Rs 10K to Rs 50K (per injection) and it varies in different hospitals. It may be different.

Robotic surgeries-

This is a kind of very complex surgery which are done by robots with the help of computer commands which are given by specialist doctors it is done in several stages according to the type of surgeries and diseases and their cost increases according to the surgeries. Its average cost in metropolitan cities can be Rs 2 lakh to Rs 15 lakh or even more depending on the circumstances, its operation is also in full swing and scientists will achieve more success in this in the future.

Stereotactic radio surgeries –

Through this procedure, a tumor is detected in any part of the body, the average cost of this procedure in metropolitan cities can be around 4 lakh to 8 lakh and it can vary from hospital to hospital.

Bronchical Thermoplasty –

Asthma patients are treated with this procedure and it is also quite expensive. Its average cost in metros can be around Rs 10 lakh.

Vaporisation of the prostate (Green laser treatment or holmium laser treatment) –

This is used to treat prostate cancer in men, its average cost in metropolitan cities can be around Rs 2 lakh to Rs 5 lakh.

IONM (Intra Operative Neuro Monitoring)-

This is a type of Neurosurgery, its average cost depends on the complexity of the surgeries.

Stem cell therapy-

In this method, many types of incurable diseases are treated with the help of cells. This process is sometimes costly because stem cells can be stored at temperatures ranging from −156°C to −196°C (https://www.ncbi.nlm .nih.gov/PMC/articles/PMC2075525/#:~:text=We%20store%20the%20bone%20marrow,container%20the%20specimen%20is%20stored.) which can be kept for many years So its expenditure is on recurring basis due to which it is very costly, at present its expenditure can be from 20 lakh to 30 lakh and in the coming time it will be more.

So all these 12 types of Modern / advanced treatment procedures are available in Health Insurance plans, always keep one thing in mind if you want to apply any of these then do it only after taking 2nd Opinion because health Insurance Companies do not approve of any kind of experimental treatment. Does not give a claim for medical treatment in health insurance plans.

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Disclaimer This is for informational purposes only. This information does not constitute medical advice or diagnosis