Quick Answer
Yes, knee replacement surgery is covered by most health insurance policies in India. Most policies have a waiting period of 2 to 4 years. Cashless treatment is available at network hospitals.
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Knee replacement surgery costs Rs 150000 to Rs 350000 in India. Here is everything you need to know about insurance coverage.
Is Knee Replacement Covered by Health Insurance in India?
Yes. Knee replacement is covered by all major health insurance policies in India. Coverage includes the implant cost, surgery charges, anaesthesia, and hospitalisation.
Waiting Period for Knee Replacement Insurance
Most policies have a waiting period of 2 to 4 years before knee replacement is covered. Some corporate group insurance policies may have no waiting period. Check your policy document carefully.
Which Insurance Policies Cover Knee Replacement?
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All major insurers cover knee replacement including Star Health, HDFC Ergo, Bajaj Allianz, ICICI Lombard, Care Health, New India Assurance, and United India Insurance.
How to Claim Insurance for Knee Replacement
Step 1: Check your policy for waiting period and sub-limits on joint replacement. Step 2: Choose a network hospital for cashless treatment. MySurgery partner hospitals are on the network of all major insurers. Step 3: Inform your insurer 3 to 5 days before planned surgery for pre-authorisation. Step 4: The hospital submits a pre-auth request. Approval typically takes 4 to 8 hours. Step 5: At discharge the hospital settles the bill directly with the insurer.
What Is Not Covered?
Some policies have sub-limits on implant costs. Always check for implant sub-limits in your policy before surgery.
How MySurgery Helps with Insurance
MySurgery has a dedicated insurance team that checks your policy coverage, handles pre-authorisation, coordinates with the hospital insurance desk, and ensures maximum cashless benefit at no extra charge.
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