Modern treatments have transformed the healthcare industry with advancements in Artificial Intelligence (AI), Virtual Reality (VR), 3D printing, robotics, and nanotechnology to treat severe health conditions. Although they offer personalised and convenient solutions, they come at a higher price. To make these advanced procedures accessible, IRDAI has mandated coverage for 12 modern treatments under health insurance. In this article, let's explore everything about modern treatments in health insurance.
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Modern Treatments in Health Insurance
Modern treatments have transformed the healthcare industry with advancements in Artificial Intelligence (AI), Virtual Reality (VR), 3D printing, robotics, and nanotechnology to treat severe health conditions. Although they offer personalised and convenient solutions, they come at a higher price. To make these advanced procedures accessible, IRDAI has mandated coverage for 12 modern treatments under health insurance. In this article, let's explore everything about modern treatments in health insurance.
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What are Modern Treatments?
Modern treatments refer to treatments that use advanced cutting-edge technologies to treat diseases that were once considered untreatable. These advanced methods include robotic surgeries, oral chemotherapy, Intraoperative Neuro Monitoring (IONM), stem cell therapy, and others to manage and treat various health conditions like cancer. Modern treatments speed up the effectiveness of the treatment and reduce the recovery time substantially.
By incorporating the latest scientific advancements in healthcare, modern treatments offer hope and new possibilities for patients facing severe health conditions. However, these treatments are extremely costly due to innovative and experimental technologies.
This makes people wonder if health insurance covers the cost of modern treatments. Let’s find out.
Are Modern Treatments Covered Under Health Insurance?
Yes.
Modern treatments are covered by several health insurance plans in India. It covers the cost of in-patient hospitalisation, domiciliary hospitalisation, day care procedures and pre & post-hospitalisation expenses. As per the guidelines set by the Insurance Regulatory and Development Authority of India (IRDAI), health insurance policies provide coverage for as many as 12 advanced medical treatments under the "Modern Treatment Benefit." This ensures that patients can access advanced medical technologies without any financial burden.
However, some mediclaim insurance policies may impose sub-limits on one or more modern treatments. This means there is a cap on the amount the insurance provider will pay for a specific modern treatment. So, it is essential to check the policy documents for any sub-limits applicable to modern treatments to avoid any unexpected out-of-pocket expenses later.
