From Oct 1, 2020, in a new rule established by the Insurance Regulatory and Development Authority of India, all health insurance plans cover bariatric surgery. To be sure, you can review the insurance’s terms and restrictions regarding bariatric surgery coverage well. Insurance policies cover Bariatric surgery if a patient satisfies specific requirements, such as being at least eighteen years old and having a body mass index (BMI) of forty or above. If the patient has comorbidities such as diabetes, heart disease, or stroke and their BMI is between 35 and 40, he/she (the policyholder) will be covered for the procedure. Also, to claim coverage, the patient will provide necessary diagnostic test data and a prescription from their physician.
Since most of the insurance plans for bariatric surgery have a 30-day initial waiting period, patients should prepare for a delay before receiving coverage. People suffering from pre-existing conditions may have an additional two to four years of waiting. For more information, you can reach our team at 73411-01891 to better guide you.