Is Piles covered under Health Insurance? Know coverage & claims

Piles, also known as haemorrhoids, can cause discomfort and affect daily life. If you are concerned about the cost of piles treatment or surgery, health insurance can ease this burden. However, not all plans include piles treatment - but we will guide you to the right plan that does.

With health insurance plans accessible via Bajaj Finserv, you can reduce the financial stress of medical treatments, including piles surgery, under select policies. These plans come with features like cashless treatment at over 10,000 hospitals, premiums starting at Rs. 9.3/day*, and tax benefits under Section 80D of the Income Tax Act.

Disclaimer: *T&C Apply. #Insurance premium indicated is for healthy male aged 18 years and is exclusive of tax.

Let us explore whether piles treatment is covered under health insurance, the conditions tied to coverage, and how you can claim expenses for piles surgery.

Does health insurance cover piles surgery?

Yes, certain health insurance plans cover piles surgery, including advanced procedures like laser treatment. However, coverage depends on the insurer's policy terms. Some plans include piles as part of their coverage for pre-existing conditions or daycare treatments, while others may exclude it altogether.

Health insurance supports your financial needs by covering piles treatment costs, including pre- and post-hospitalisation expenses, doctor consultations, and surgery charges. Cashless treatment options are available at network hospitals, ensuring you do not have to pay out-of-pocket during emergencies.

If you are looking for health insurance plans that cover piles treatment, you can explore policies accessible via Bajaj Finserv. Compare policies that offer comprehensive coverage for piles treatment in just 2 clicks.

Health insurance plans that cover piles treatment often have specific conditions attached. Here are the key factors to consider:

1. Waiting Period: Most health insurance policies impose a waiting period for pre-existing conditions like piles. This waiting period can range from 24 months to 48 months, depending on the insurer.
2. Co-Payment Clause: Some policies may require you to share a portion of the treatment cost through co-payment.
3. Exclusions: Policies may exclude certain treatments or procedures related to piles, such as cosmetic surgeries or experimental treatments.
4. Daycare Coverage: Piles surgery often falls under daycare procedures, which are covered in many modern health insurance plans.

By understanding these conditions, you can select a plan that aligns with your needs. Bajaj Finserv facilitates access to health insurance plans from leading insurers, helping you find policies with minimal waiting periods and extensive coverage. 
Compare plans

Health insurance policies accessible via Bajaj Finserv often include piles treatment under specific terms. These policies may cover:

• Daycare Treatments: Procedures like laser surgery for piles are considered daycare treatments and covered under eligible plans.
• Pre- and Post-Hospitalisation Expenses: Costs incurred before and after surgery, such as doctor consultations and diagnostic tests, are included.
• Ambulance Charges: Emergency ambulance services are covered under select plans.

Additionally, these policies may offer cashless treatment at network hospitals, ensuring you receive quality care without financial stress.  Explore top health insurance plans with wide-ranging benefits.

The waiting period for piles coverage under health insurance typically ranges from 24 months to 48 months. This waiting period applies to pre-existing conditions like piles and varies depending on the insurer and the policy chosen.

During the waiting period, expenses related to piles treatment may not be reimbursed. However, once the waiting period is over, you can claim costs for eligible treatments, including surgery.

To reduce the waiting period, consider policies that offer zero or minimal waiting periods for pre-existing conditions. Compare pre-existing condition-friendly plans now to find the right coverage for piles treatment.

Conclusion

Health insurance can provide significant financial relief for piles treatment, including surgery and related expenses. While not all plans include piles coverage, Bajaj Finserv facilitates access to policies that do. These plans offer features like cashless treatment at network hospitals, premiums starting at Rs. 9.3/day*, and tax benefits under Section 80D.

Take control of your health and finances by exploring policies that cover piles treatment today. Compare policies now to find the right plan for your needs.