Health Insurance coverage For bariatric surgery

1. Health Insurance coverage For bariatric surgery

2. Inclusion of insurance coverage for bariatric surgery has brought relief to many people battling from the crippling effects of severe obesity along with its side effects and associated diseases. Obesity is a growing issue among Indians and if affecting men, women, and children of all age groups. Till October 2020, obesity was excluded from coverage by many insurance companies. • Bariatric surgery in Mumbai are covered with insurance as,the new IRDA guidelines in 2020, specified that “Obesity/Weight control” is not an exclusion any more if the following criteria for bariatric surgery are met: .

3. To be conducted is upon the advice of a doctor. • The surgery/procedure conducted should be supported by clinical protocols. • The member has to be 18 years of age or older and • Body mass index (BMI)- • Greater than or equal to 40 or • Greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss: • Obesity related cardio-myopathy • Coronary heart disease • Severe sleep apnoea • Uncontrolled type 2 diabetes • If patients qualify the above criteria nowadays, they are eligible for insurance claims. It can be done by a cashless pre-approved claim or can be claimed as re-imbursement after the surgery. However, the patient must hold the policy for at least 3 to 4 years before they can claim for bariatric surgery, as obesity is considered as a pre-existing disease

4. . It is also important to check with the insurance companies and clarify with them regarding all the important clauses. Insurance coverage for bariatric surgery will be a boon for many deserving patients and will help to reduce the financial impact of the surgery and ensuring a healthy life for them and their family. weight loss surgery in mumbai can be done with insurance policy coverage only thing is to keep in mind is we to follow the criteria of insurance company properly.

5. Laparoscopic method: This is the most common method of appendix treatment. This method is least invasive and offers fewer complications. Small incisions are made around the belly the surgeon uses laparoscope and other instruments to remove the appendix. The incisions are then closed using small sutures. Open appendix surgery (traditional method): This method is used in cases when laparoscopic method cannot be used or the appendix has burst. The appendix is removed by making a cut in the lower right hand side of the belly. The surgeon might also have to use a small tube to drain out the pus and fluids from the abdomen area in case of burst appendix.

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