Is Thyroid Surgery Covered Under Health Insurance?

Posted on: May 6, 2024 | 3 mins | Written by: HDFC ERGO Team

Is Thyroid Surgery Covered Under Health Insurance?

Thyroid Surgery Health Insurance Coverage

The thyroid affects a vast majority of Indians and can negatively affect the overall quality of life. Numerous individuals with thyroid problems don’t seek medical treatment because of the costs involved. However, most insurance companies nowadays offer comprehensive coverage for thyroid problems. So, if you have all-inclusive health insurance, there are higher chances that you may get coverage to treat your thyroid. Listed are the essential aspects of medical insurance and thyroid.

Things to Know About Thyroid Disorders

Thyroid disease, also known as hypothyroidism, prevents the thyroid gland from producing the correct number of hormones your body needs. It can also cause excessive hormones, which give your body a substantial amount of energy. When this happens, you may feel exhausted soon.

The Role of Health Insurance in Helping You Address Thyroid Problems

The rising cost of medical treatment can demotivate an individual to get quality medical care. But thanks to medical insurance, you can now get cover for thyroid treatment. Changing lifestyles and high-stress living conditions are making people susceptible to developing thyroid illnesses.

Nowadays, most health insurance policies cover pre-existing diseases like diabetes and thyroid. However, it is crucial to note that this coverage is applicable after you complete a specific waiting period. Here are some important aspects to learn about the role of a health insurance policy in helping you address thyroid issues.

• Financial coverage for diagnostic tests

Your medical insurance policy will often cover the cost associated with numerous diagnostic tests and procedures to assess the thyroid function in your body. For instance, blood tests involving TSH, T3, and T4 are expensive and can put a financial burden. When you are covered with medical insurance, you can opt for high-quality thyroid treatment.

• Cover for treatment

Numerous medical insurance plans provide coverage for thyroid treatment. For instance, you can now opt for cashless thyroid surgery to minimise the symptoms of hypothyroidism. This type of financial assistance alleviates the financial burden of treatment.

• Access to specialist care

Usually, thyroid disorders require extensive consultation with endocrinologists, surgeons, and other specialists. It is not always feasible to access specialist care with a limited budget. Health insurance provides coverage for these specialist consultations and treatments and allows individuals to access the necessary expertise.

Is Thyroid Surgery Covered Under Health Insurance?

Usually, most insurance companies cover thyroidectomy surgery. It is a major surgery that involves the removal of the thyroid gland. Note that this surgery is suitable for treating severe issues like thyroid cancers. A health insurance policy for thyroidectomy is a comprehensive one and comes with numerous add-ons. Moreover, you can customise the cover to suit your specific condition.

The Features of Medical Insurance Policies for Thyroidectomy

It is crucial to learn about the common features of insurance for thyroidectomy. Listed are some of the most common features that every medical insurance for thyroidectomy possesses.

• You will receive extensive coverage for pre- and post-hospitalisation expenses. Furthermore, the insurer will provide coverage for in-patient hospitalisation and daycare treatment.

• Patients can get cashless hospitalisation in major hospitals. Cashless hospitalisation refers to the situation where the hospital settles your medical bills directly with the insurance company. Usually, the insurance agency has a chain of hospitals where this facility is available.

• Available online, which exudes practicality to individuals.

• These insurance plans come with affordable premiums.

• Health insurance for thyroidectomy comes with lifelong renewability and no pre-policy medical checkup.

Buying a Pre-Existing Cover to Treat Thyroid

Pre-existing coverage is only applicable if you have been diagnosed with thyroid disease before buying the health insurance plan. In other words, the insurer knows about your medical condition. Note that purchasing health insurance with pre-existing coverage can come with higher premiums.

However, there are numerous benefits to buying a health insurance policy with pre-existing coverage. Without a pre-existing disease cover, many health insurance policies may limit your coverage for illnesses that existed before you purchased the policy. On the other hand, with a pre-existing cover, you can receive coverage for high-quality treatment of your thyroid disorders.

Another key highlight of a pre-existing cover is that it provides continuous care. Individuals with pre-existing thyroid conditions typically require constant care to cope with the illness. With a pre-existing cover, you can continue receiving the necessary medical attention without interruption.

A medical insurance policy covers thyroid disorders and allows individuals to get quality treatment. However, you should choose the right policy based on your current thyroid condition.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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