Coverage for H. pylori Infection Treatments

Does Health Insurance Cover H. Pylori Treatment in India?

Helicobacter pylori (H. pylori) is a type of bacteria that infects the stomach lining and is a common cause of peptic ulcers. Many people mistake it for a minor gastrointestinal issue. However, if left untreated, it can lead to serious health complications.

Fortunately, with the right diagnosis and treatment plan, H. pylori infection is manageable. However, the costs involved can be a concern for many Indian families. That is where health insurance comes into play. With the right plan, it can help you manage your finances effectively.

What Causes H. Pylori Infection?

The infection is bacterial and contagious. People can transmit H. pylori through saliva, contaminated food or water, and poor hygiene practices. It is more prevalent in regions with overcrowding and inadequate sanitation.

The infection often begins in childhood, though symptoms may not appear until adulthood. Common symptoms include:

• Burning sensation in the stomach
• Nausea or vomiting
• Frequent burping
• Loss of appetite
• Unexplained weight loss
   

If not diagnosed and treated early, H. pylori can lead to:

• Chronic gastritis
• Peptic ulcers
• Stomach bleeding
• Increased risk of gastric cancer
   

What are the Treatments Available?

The treatment for H. pylori typically involves a combination of antibiotics and acid-suppressing medications to eliminate the bacteria and heal the stomach lining. Common medications include:

• Antibiotics such as amoxicillin, clarithromycin, or metronidazole.
• Proton Pump Inhibitors (PPIs) like omeprazole or pantoprazole.
• H-2 blockers that help stop the histamine hormone. This hormone produces acid.
• First-line treatment such as triple therapy or quadruple therapy.
   

Doctors recommend a follow-up test, such as a urea breath test, stool antigen test, or endoscopy, after the course to ensure the bacteria has been eradicated.

Cost of Treating H. Pylori Infection in India

The cost of diagnosis and treatment in India varies by city, hospital, and the severity of the infection.

The average cost of completely eradicating the infection is approximately Rs. 10,000. However, depending on other factors, this could be higher or lower.

Middle-income families may find this cost burdensome, especially if hospitalisation or surgical intervention is needed.

Does Health Insurance Cover H. pylori Treatment?

Yes, most comprehensive health insurance plans in India cover the diagnosis and treatment of H. pylori infection. However, always review your policies and check whether it has the following:

• Diagnostic Tests: Ensure your health insurance covers the cost of tests to diagnose H. pylori infections. This may include blood tests or endoscopy.
• Doctor Consultations: Since this is a gastrointestinal infection, specialists such as gastroenterologists manage it. Make sure your plan offers them access when required.
• Medications: Most health insurance typically covers antibiotics and acid-reducing drugs.
   

Hence, reading the policy document carefully or consulting with your insurance advisor is essential.

Why Choose Star Health Insurance?

Star Health is one of India’s leading standalone health insurers, offering various policies tailored to diverse healthcare needs. Here is why it stands out for those seeking coverage for infections like H. pylori:
 

• OPD Coverage Add-ons: Several Star Health plans offer OPD benefits that cover consultation fees, diagnostic tests, and medicines.
• Daycare Procedures: Even if hospitalisation is not required, many plans cover daycare treatments (less than 24 hours).
• Cashless Network: Star Health has over 14,000+ network hospitals across India, ensuring easy access to treatment without upfront payments.
• No Co-payment for Senior Citizens: Some plans do not require senior citizens to pay a portion of the claim, which is unique.
• Quick Claim Settlement: They are known for a high claim settlement ratio and efficient claim processing.
   

Star Health policies also cover pre- and post-hospitalisation expenses, including follow-up tests and medications related to H. pylori treatment. Health insurance can help you take care of yourself without financial burden. Choose the right one with affordable premiums and quick claim settlement benefits.