Mention the List of Modern Treatments Covered under Health Insurance
Overview of Modern Treatments Included in Health Insurance Coverage
Medical science has been developing for centuries and has successfully increased our life expectancy. New treatments are being developed to treat diseases and make life easier for patients. However, new treatments may be introduced after clinical trials but are costlier than the old ones.
Such procedures may be new for treating certain diseases, too. Hence, they will attract medical expenses higher than our expectations. Modern treatments are often covered by the policies developed by the lead health insurance companies. Let us know more about such advanced treatments and procedures.
What are Modern or Advanced Treatments?
Modern treatments are advanced and latest invasive or non-invasive procedures that aim at curing incurable diseases or making lives better for patients. For example, stem cell therapies are quite modern and have promising outcomes. Here is a modern treatment list that reputed insurance companies cover.
1. Oral chemotherapy: This is a modern approach where anticancer drugs are fed to patients. Generally, intravenous was the only route for such drugs. This therapy allows patients to go through treatment at home.
2. Immunotherapy: This modern treatment strengthens one’s immunity against cancer. It lets the immunity to identify, target, and kill cancer cells in a natural way.
3. Stem cell therapy: Plasma cells are retrieved from the patient’s body to regenerate new cells and repair tissue damage. This therapy can help treat heart conditions, Parkinson’s, etc.
4. Intravitreal injections: This procedure delivers medications directly to the vitreous cavity of the eyes via injections. This advanced treatment is used to treat macular degeneration and retinopathy.
5. Deep brain stimulations: electrodes are implanted deep into a patient’s brain to stimulate specific areas. These electrical impulses help regulate normal activities of the brain suffering from Parkinson’s and tremors.
6. Robotic surgeries: These surgeries are performed with precise and delicate equipment that a human hand cannot handle by doing smaller incisions. Such surgical procedures provide immense control over delicate and complex surgeries.
7. Stereotactic radio surgeries: Highly focused radiation beams can help treat abnormalities like tumours in the spine and brain. This procedure does not need any invasion or incision. Hence, it minimises any collateral damage.
8. Bronchial thermoplasty: This invasive surgery can treat severe asthma by using controlled heat to reduce excess tissues inside the bronchus.
9. Balloon Sinuplasty: A small balloon is used to inflate inside blocked sinuses to treat chronic sinusitis.
10. Uterine artery embolisation and HIFU: This minimally invasive procedure can treat fibroids inside the uterus.
11. Prostate vaporisation: A high-powered green laser is used to remove tissues inside the prostate gland to treat prostate enlargement and urinary issues.
12. Intra-operative neuro-monitoring (IONM): This modern procedure is used to check on neural structure to prevent nerve damage during high-risk surgeries.
These 12 modern treatments and procedures cost patients dearly but increase the possibility of positive outcomes. Only the lead health insurances for cashless treatment can provide a financial foundation to opt for such advanced procedures. Get a health insurance plan by reading the clauses exclusively.
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FAQs
Robotic-assisted surgeries are now covered by most health insurance plans in India. The insurance authority has made it a rule for companies to include these surgeries under modern treatments. So, you do not need to buy any extra add-on to get this benefit. You can use your insurance for robotic surgery if it is needed for your health. But some plans may have certain limits or special rules, so it is always good to check your policy details carefully.
Modern treatments usually need extra approval from your insurer. This is because the insurance company has to check if the treatment is really needed and if it fits under the modern treatment part of your policy. For example, if you are going for a robotic surgery, you will likely need to get pre-authorisation. This means you have to give your insurer a detailed summary from your doctor, test reports, scans, and a note explaining why this new treatment is better than the regular one.
Yes, if you switch your health insurance policy to a new company, the waiting period you have already finished will be counted by the new insurer. You do not have to start the waiting period again. As long as you port your policy at the time of renewal and do not let it lapse, the new insurer will give you credit for the waiting period you have already completed.
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This FAQ page contains information for general purpose only and has no medical or legal advice. For any personalized advice, do refer company's policy documents or consult a licensed health insurance agent. T & C apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
