Best Health Insurance For Weight Loss Surgery

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Best Health Insurance For Weight Loss Surgery

Are you wondering if you are covered in health insurance for weight loss surgery? As obesity is increasing day by day in people, a lot of people choose to opt for weight loss surgery. So, we will understand what is weight loss surgery? As well as some Crucial Points to be noted when purchasing  Health Insurance for weight loss surgery and also analyze some best health insurance for weight loss surgery.

What Is Weight Loss Surgery?

Weight loss surgery is advised by the doctor in case of exercise, walking, and other methods to lose fat do not work out for people. This is advised by the doctor to avoid any medical complications in the future. It is a safe process that involves losing extra fat or excess weight from the body.

Crucial Points To Be Noted When Purchasing Health Insurance

  • The Amount of Sum Insured
  • The amount of Policy premium that is to be paid to take the benefit of the coverage
  • A-List of network hospitals that are involved in insurance as well as the Claim Settlement Ratio
  • In case there are any Sub-limits and Waiting Period (for PEDs)
  • Any Co-payment clause

Best Health Insurance For Weight Loss Surgery

Here we have listed some of the best health insurance for weight loss surgery or say bariatric surgery:

  1. Magma HDI OneHealth Insurance Policy
  2. Digit Health Care Plus Health Insurance Policy
  3. Edelweiss Health Insurance Policy
  4. Tata AIG Medicare Health Insurance
  5. Star Health Comprehensive Insurance Policy
  6. Bajaj Allianz Health Guard Gold Plan

Magma HDI OneHealth Insurance Policy

Magma HDI OneHealth Insurance policy as the best health insurance for weight loss surgery offers surgery cover of up to ₹1,00,000, which means you need to purchase the option of ₹2 lakh sum insured to get up to ₹1 lakh of health insurance for weight loss.

Further, the conditions under which the Magma HDI OneHealth Insurance policy is the best health insurance for weight loss surgery reimburse expenses areas:

  • A specialist medical practitioner should prescribe the surgery
  • BMI to be insured must be above 35
  • The surgery should also be non-cosmetic in nature
  • In order to claim the benefit of this best health insurance for weight loss surgery a waiting period of 3 years should be followed up from the starting date of the policy.

Digit Health Care Plus Health Insurance Policy

Digit Health Care Plus Health Insurance Policy as the best health insurance for weight loss surgery offers surgery pays for weight loss surgery if the following conditions are met:

  • The age of the Insured person should be 18 years or above
  • the Insured’s BMI, as well as the health condition, should fall within the qualification requirements as follows:
  • Class III Obesity (extreme obesity) i.e. BMI >= 40
  • Class II Obesity i.e. BMI is between 35 and 39.9 kg/m2

Whereas, the claim under the weight loss surgery insurance benefits is accessible for the subsequent events:

  • Gastric Bypass
  • Roux-en-Y Gastric Bypass
  • Biliopancreatic Diversion with or without Duodenal Switch (BPD/DS) Gastric Bypass
  • Sleeve Gastrectomy
  • Laparoscopic Gastric Banding
  • There is also a waiting period of 24 months involved in this best health insurance for weight loss surgery.

Edelweiss Health Insurance Policy

Edelweiss Health Insurance Policy as the best health insurance for weight loss surgery offers Gold and Platinum plans for individuals where 10% of the sum insured is provided too.

Whereas, the claim under the weight loss surgery insurance has the following conditions:

  • The age of the Insured person should be 18 years or above
  • The procedure for the weight loss surgery should be appropriate involving 2 surgeons.
  • The BMI should be more than 40 or, larger than 35.

Tata AIG Medicare Health Insurance

Tata AIG Medicare Health Insurance as the best health insurance for weight loss surgery offers surgery provides cover for reasonable and customary expenses only if the following conditions are met:

  • The doctor should have advised for the surgery
  • The age of the Insured person should be 18 years or above
  • The BMI should be more than 40 or, larger than 35 with co-morbidities

Star Health Comprehensive Insurance Policy

Star Health Comprehensive Insurance Policy as the best health insurance for weight loss surgery offers surgery provides coverage up to 2,50,000, where the claims for the weight loss surgery can be processed on a cashless basis. Whereas, the following conditions should be fulfilled:

  • The age of the Insured person should be 18 years or above
  • The procedure for the weight loss surgery should be appropriate involving 2 surgeons.
  • The BMI should be more than 40 or, larger than 35 with co-morbidities
  • The person should have the approval of the cashless treatment to be provided.

Bajaj Allianz Health Guard Gold Plan

Bajaj Allianz Health Guard Gold Plan as the best health insurance for weight loss surgery offers surgery in its Gold variant and provides only 50% of the sum insured, where its waiting period is of 36 months.

Benefits Of Best Health Insurance For Weight Loss Surgery

Basically, the best health insurance for weight loss surgery helps to reduce their risk of potentially life-threatening weight-related health issues, therefore some of the common benefits related to health issues are:

  • Type 2 diabetes
  • High blood pressure
  • Heart disease
  • Severe sleep apnea
  • Osteoarthritis
  • Infertility
  • Gastroesophageal reflux disease
  • Some types of cancer

FAQ

What Does Insurance Pay For Weight Loss Surgery?

Aetna, Anthem Blue Cross Blue Shield, Cigna, Oscar, Tricare, and United Health Care do provide or cover you for weight loss surgery.

How Can I Get My Insurance To Pay For Weight Loss Surgery?

Most of the insurance does not provide cover for weight loss surgery. However, you can choose an add-on pack with the insurance company that provides you cover for weight loss surgery too.

What Is The Healthiest Weight Loss Surgery?

Gastric bypass surgery has proved to be the healthiest weight loss surgery that marks into 31 percent loss of total body weight initially in the very first year of surgery and about 25 percent of total body weight after five years of surgery.

How Long Does It Take Insurance To Approve Weight Loss Surgery?

It takes about 2 to 3 months to get approval for the weight loss surgery, whereas the waiting period of insurance companies might differ too.

Conclusion

obesity is increasing day by day in people, a lot of people choose to opt for weight loss surgery. Thus, people are choosing to go for weight loss surgery which is a better option for people with obesity to consider and reduce fat. Here, we have also discussed some of the best health insurance for weight loss surgery for people to consider. 

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