List of Modern Treatments Covered in Health Insurance

Healthcare services in India have been advancing rapidly, and the health insurance plans available nowadays provide coverage that goes beyond traditional hospitalisation. These treatments include laser treatment, robotic surgery, oral chemotherapy and minimally invasive surgery. 

According to the guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI), health insurance policies are required to cover a specified list of modern treatments. This blog helps you understand the list of modern treatments covered in health insurance, their benefits, and why they are important while choosing a policy.

Contents

• What are Modern Treatments in Health Insurance?
• Modern Treatments Commonly Covered Under Health Insurance
  • 1. Laser treatment
  • 2. Bariatric Surgery
  • 3. IVF and fertility treatments
  • 4. Chemotherapy and Immunotherapy
  • 5. Laparoscopy and Cataract Surgery
• What Should You Check Before Buying a Health Insurance Policy? 
• FAQs

What are Modern Treatments in Health Insurance?

Modern treatment refers to advanced medical procedures that use advanced technology, minimally invasive techniques, or specialised therapies. These treatments may help reduce recovery time, minimise complications, and shorten hospital stays in certain cases. 

Some examples of modern treatments covered by insurance companies are:

• Laser treatment for piles, varicose veins, and eye disorders

• Robotic-assisted surgeries

• Oral chemotherapy

• Deep brain stimulation

• Balloon sinuplasty

• Stem cell therapy (in cases approved by the IRDAI)

• Immunotherapy

• Uterine artery embolisation

• Bronchial thermoplasty

Most comprehensive health insurance policies now include these under day-care or advanced treatment benefits, subject to policy terms, conditions, and sub-limits.

Modern Treatments Commonly Covered Under Health Insurance

1. Laser treatment

Laser treatment is one of the commonly used modern treatments due to its widespread usage in fields such as ophthalmology, dermatology, and proctology. Some of the common treatments that may be covered are as follows:

• Laser treatment for eyes (medically necessary cases only)

• Laser surgery for piles

• Laser treatment for varicose veins

2. Bariatric Surgery

Bariatric surgery is considered a weight loss surgery that is advised for patients suffering from obesity-related ailments such as diabetes, hypertension, and cardiac disorders. Usually, the coverage is provided if:

• BMI conditions are met.

• The surgery is medically necessary and prescribed by a doctor.

• Waiting period requirements are met.

This has become increasingly relevant in employer-sponsored and corporate health plans focused on preventive care.

3. IVF and fertility treatments

IVF stands for In Vitro Fertilisation. It is a fertility treatment where fertilisation occurs outside the body in a laboratory setting. However, standard health insurance policies in India generally do not cover the costs of IVF treatment. 

4. Chemotherapy and Immunotherapy

Chemotherapy is a cancer treatment that uses medicines to destroy or slow the growth of cancer cells. Current medical insurance plans may include:

• Oral chemotherapy

• Targeted therapy

• Immunotherapy

5. Laparoscopy and Cataract Surgery

Laparoscopic surgeries are minimally invasive procedures that have become quite common these days. These may include:

• Gallbladder surgery

• Hernia surgery

• Appendix surgery

Learn more about daycare and minimally invasive procedures. 

What Should You Check Before Buying a Health Insurance Policy? 

Even the best health insurance companies in India may offer coverage for:

• Waiting period provisions

• Sub-limits

• Co-pay terms

• Procedure-specific limits

Before choosing your health plan, consider the following factors:

• List of day care treatments

• Sum insured

• Network hospitals

• Modern medical procedures cover

Senior citizens should also compare health plans specifically designed for seniors, as advanced treatment coverage becomes increasingly important with age.

Learn more about what your health insurance policy covers. 

Conclusion

Modern medicine is no longer limited to hospitals in metro cities like Mumbai, Delhi, or Pune, or to premium healthcare facilities. Today, advanced procedures like laser treatment, bariatric surgery, IVF support, oral chemotherapy, and robotic surgeries are becoming a standard part of quality healthcare. While selecting health insurance, it is important to pay attention not only to the premium but also to the coverage of modern treatment. 

Explore comprehensive coverage options with ACKO and choose a plan that keeps pace with modern healthcare needs.

FAQs

Below are some of the most commonly asked questions about List of Modern Treatments Covered in Health Insurance

1. Does health insurance cover modern treatments?

Yes, health insurance covers modern treatments. As per IRDAI guidelines, comprehensive policies must cover specific advanced procedures under the "Modern Treatment Benefit".

2. Are all modern treatments covered under every health insurance policy?

No. Coverage for modern treatments varies by insurer and policy. Some procedures may have sub-limits, waiting periods, or specific eligibility conditions.

3. Is robotic surgery covered under health insurance?

Some comprehensive health insurance policies may cover robotic-assisted surgeries if they are medically necessary and included under the policy’s modern treatment benefits.

4. Does health insurance cover chemotherapy?

Yes, chemotherapy is covered by modern health insurance, including select oral chemotherapy treatments.

5. Are cosmetic laser treatments covered under health insurance?

Generally, cosmetic or aesthetic procedures are not covered unless they are medically necessary and specified in the policy terms.

6. Can modern treatments be availed through cashless hospitalisation?

Yes. Many insurers offer cashless treatment for covered modern procedures at network hospitals, subject to policy terms and approvals.

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