Medical care is evolving fast—robotic surgeries, laser therapies, and gene-based treatments are no longer futuristic concepts. They're here, saving lives, improving precision, and accelerating recovery. But there’s a catch: they’re expensive, and not all insurance plans cover them.
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This guide helps you decode which modern treatments are covered, which plans support them, and how to secure your access to the best medical tech—without last-minute surprises.
What are modern treatments in Health Insurance
Modern treatments use advanced tools and techniques to deliver safer, more targeted care. These include:
- Robotic-assisted surgeries
- High-precision laser procedures
- Regenerative stem cell therapies
- Genetic and immunotherapy in cancer care
These methods reduce pain, shorten hospital stays, and improve outcomes. But they’re not automatically included in every health insurance plan.
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Are modern treatments covered under health insurance?
Several health insurance plans in India now include coverage for modern medical treatments. These plans typically cover in-patient hospitalisation, domiciliary care, day care procedures, and both pre- and post-hospitalisation expenses. According to guidelines by the Insurance Regulatory and Development Authority of India (IRDAI), health insurance policies must cover up to 12 advanced procedures under the “Modern Treatment Benefit”, enabling policyholders to access cutting-edge healthcare without facing financial stress.
However, some mediclaim policies may place sub-limits on certain modern treatments. This means the insurer may cap the reimbursement amount for specific procedures. To avoid unexpected out-of-pocket costs, it’s crucial to review your policy documents for any applicable sub-limits on these advanced treatments.