Understanding spinal cord injuries and treatment 

What is the spinal cord injury?

An injury in the back bone causes vertebral damage to the spinal cord. Tetra or Quadriplegia (limbs, trunk, and pelvic organs fail to function) and Paraplegia (the lower part of the body fails to work) are the two major complications of spinal cord injuries.

After assessing the severity of the spinal cord injury, the surgeons may advise the patients to get the surgery done accordingly.

Does Health Insurance cover spinal cord injury? Let us know the details here.

Does Health Insurance Cover Spinal Cord injury?

Spinal cord injuries are caused due to various reasons. Several Health Insurance companies, including Star Health provide coverage for Spinal cord injuries. Star Health and Allied Insurance Co Ltd covers spinal cord diseases unless it arises due to an accident, after a waiting period of 24 months and if it is not a Pre-existing disease.  

This policy covers medical expenses like pre- and post-hospitalisation charges, diagnostic costs, nursing expenses, ICU charges, ambulance expenses, etc., up to the limits mentioned in the policy documents.

In a few cases, a severe spinal cord injury may lead to partial or complete loss of body’s sensory function or motor function (paralysis).

Some people opt for AYUSH treatments like Ayurveda, Unani, Siddha and Homeopathy for treating spinal cord issues in any AYUSH hospital. The medical expenses for AYUSH treatment are covered under this policy.

In a Nutshell

Getting done with immediate surgery without delay in paying medical bills is very crucial. Choosing the right policy from the right Health Insurance Company will provide financial assistance while paying medical bills.

Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd. provides coverage for spinal diseases unless arising from accident. Refer to the policy details on Star Health website for more details.