Does Your Medical Insurance Cover Treatment Costs for Vertigo?

Understanding Medical Insurance Coverage for Vertigo Treatment

Have you ever experienced the sensation that everything is spinning around you? Vertigo, a balance issue, is a typical cause of this dizziness. Learn more about Vertigo and whether your insurance policy covers its treatment. 

Vertigo– An overview

Vertigo may be caused due to a range of health issues. It happens when you have a problem with your sensory nerves, inner ear or brain.

The two categories of Vertigo are

1. Peripheral Vertigo

It happens due to inner ear or vestibular nerve issues. The vestibular nerve connects the brain and inner ear.

2. Central Vertigo

Vertigo occurs when there is a neurological issue. Central Vertigo can be brought on by a stroke, severe brain injury, infection, tumour or multiple sclerosis.

Vertigo can be either temporary or long-term and people over 65years of age are most likely to have it. Additionally, ear infections in pregnant women cause Vertigo. Vertigo can also occur in individuals with Ménière’s disease, an inner ear condition.

Symptoms of Vertigo

If you have Vertigo, you will likely feel lightheaded. Since Vertigo can be a sign of several medical conditions, it has several symptoms. 

• Feeling off-balance
• Light-headedness
• Dizziness
• Vomiting or nausea
• Ringing in the ear (tinnitus)
• Heaviness in the ear
• Headaches

Diagnosis of Vertigo

There are different tests to diagnose Vertigo. 

The Romberg test: This involves standing with your feet together and your eyes closed while the doctor evaluates your balance. 

The Fukuda-Unterberger test: To measure your balance, your doctor will ask you to march along a path while keeping your eyes closed.

Vertigo can be identified by eye movement tests as well. 

The Dix-Hallpike test: This test monitors your eye movement when you quickly tilt your head to the right or left while lying down. 

Head Thrust test: In this test, the doctors quickly move their head from side to side while you will be looking at their nose. The doctor will then track your eye movements. 

Treatment for Vertigo

Some Vertigo cases go away on their own, without any medical intervention. However, if a pre-existing medical condition brings on Vertigo, you will need medical treatment. For example, your physician might prescribe antibiotics for a bacterial infection or antiviral medication for a viral infection. 

Depending on the underlying health issue, the doctor will provide medications to treat the symptoms. Drugs like antihistamines and antiemetics are suggested for treating Vertigo symptoms.
Health Insurance coverage for Vertigo

Due to the considerable rise in healthcare costs, accessing good medical treatment has become a challenge for many. In the case of medical emergencies, health insurance policies will come to your rescue. By planning and assessing your medical needs, you can purchase a Health Insurance policy for you and your family.

Opting for a Health Insurance Policy like Star Comprehensive Insurance Policy offers extensive coverage and protection for you and your family. 

Vertigo is the symptom of an underlying health condition like bacterial and viral infections, head injuries, ear surgeries and more. These medical conditions may necessitate in-patient hospitalisation or out-patient medical consultation which are covered under Star Comprehensive Insurance Policy Covers OPD consultation expenses in Network Facilities

 
Specific Coverage for Vertigo Treatment

Vertigo usually has a wide coverage of treatment in health insurance, such as:

Diagnostic Tests: the fees incurred for tests such as MRI, CT scans, or vestibular function tests, all of which are considered part of the necessary diagnosis process.

Consultation Fees: The amount paid for sessions with ENT specialists, neurologists, or other health care professionals to diagnose and discuss treatment strategy.

Medications: fees incurred for drugs given for symptom relief or to manage the underlying condition.

Hospitalization: In-patient care if hospitalized due to the frequent and severe attacks or complications of vertigo.

Costs for Vertigo Treatment

It may be quite expensive to treat vertigo, depending upon the cause and plan of treatment. Some of the common costs include the following:

Consultation Fees: ₹ 500 to ₹ 3,000, depending on the specialist consulted.

Diagnostic Tests: MRI or CT scans can be ₹ 3,000 to ₹ 15,000 or even more.

Medications: The cost for symptomatic relief varies between ₹200 to ₹1,500 depending upon the medicines prescribed.

Hospital: Hospitalization costs can vary between ₹20,000 and ₹1,00,000 or more depending upon the duration and type of facility

Out-of-pocket Expenses

Patients could still incur out-of-pocket costs even with health insurance. This includes:

•Deductibles: The amount paid before insurance pays
•Co-pays: Fixed amounts for certain services.

Non-covered services: All those types of treatments or consultations that are not found under the insurance policy.

Benefits of Star Comprehensive Insurance policy

1. Pre- & Post-Hospitalisation

Pre- and post-hospitalisation expenses are covered 60 days before admission at the hospital and 90 days after discharge.

2. Day Care Procedures

All Day Care Procedures are covered.

3. Ambulance charges

Covers expenses for road ambulance up to the actuals and air ambulance as per the limits mentioned in the policy.

4. Cashless treatment

Covers cashless treatment at any Network hospital 

5. OPD consultations

 Covers out-patient medical consultation costs incurred in a Network Facility.

Conclusion

Most often, Vertigo is an indication of a more profound medical condition. While home remedies for Vertigo may be effective in the short term, you should seek immediate medical attention if the symptoms persist or worsen.
In such a case, you can cover yourself and your loved ones with a Health Insurance policy from Star Health Insurance. Please browse through our List of Policies and choose the one that best suits your needs.

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