Health Insurance for Knee Surgery
  • Coverage for knee replacement
  • Requirement of the surgery
  • Plans that offer coverage
Health Insurance for Knee Replacement Surgery
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Does Health Insurance Policy Covers Knee Replacement Procedure?

Have you ever thought, about what your life will look like if you do not have knees? Difficult right? How will you walk, run, sit, and sleep without knees? Thus, it is important to protect our knees. But factors like age, injuries or diseases like arthritis, can damage the parts of the knees.

Do not worry! Our medical technology has become advanced and with the help of surgery, you will get your knees replaced for the better. And yes! Your knee replacement surgery is covered by health insurance.

Health Insurance Plans for Knee Replacement Surgery

This is a plan that provides comprehensive range of sum insured from Rs. 200K to Rs. 2cr.

Unique Features

  • Health Coach
  • Unlimited Reload of SI
  • 30% Return of Premium

Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts

my:health Suraksha (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

my:health Suraksha (Cons)

  • No Return Transportation Cost
  • Suicidal Injuries
  • No Non-Allopathic treatment
  • Adventure Sports Injuries
  • Alcoholism

my:health Suraksha (Other Benefits)

  • Pregnancy Complications Covered
  • Newborn Complications Covered
  • Loss of Job Covered
  • Post Diagnosis Support
  • 41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 75 L
  • Waiting Period - 30 Days

A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.

Unique Benefits

  • Life Long Coverage
  • Flexible Tenure Options
  • Surgical Procedure Cover

Care Operation Insurance Plan (Pros)

  • Annual Health Checkup
  • Second Opinion Cover
  • Lifetime Renewability
  • Day Care Treatment
  • Road Ambulance Cover

Care Operation Insurance Plan (Cons)

  • No C- Section Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Operation Insurance Plan (Other Benefits)

  • Organ Donor Cover
  • ICU Cover
  • In Patient Cover
  • Modern Treatment
  • No Claim Bonus

Care Operation Insurance Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

How Does Knee Replacement Surgery Work?

Knee replacement surgery is also known as knee arthroplasty. It is the procedure in which the worn-out and damaged parts of your knee joint will be replaced with artificial implants.

It works like

  • Accessing the joints

    The surgeon makes an incision around the knees to expose the damaged area after giving you the anaesthesia.
  • Removing the damaged part

    The surgeon then carefully removes the worn-out surfaces of the bones forming the knee joint. This will include the lower end of the thigh bone, which is often known as the femur, the upper end of the shin bone, known as the tibia, and sometimes the underside of the kneecap, also known as the patella.
  • Implanting the prosthesis

    The artificial components made of durable materials that are safe to implant inside the body like, metal alloys, high-grade plastic, and sometimes ceramics are implanted to replace the natural joint surface.
  • Balance

    Now, the surgeon meticulously positions the implants to ensure the new joint's proper alignment and smooth movement.
  • Closing the incision

    When the joint is balanced the surgical site is stitched and stapled closed.

PS- With technological advancement, basic replacement surgery is now being done with robotic procedures. This robot knee transplant surgery takes comparatively less time, promotes faster recovery and has better results.

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What is the Need for Knee Replacement Surgery?

Knee replacement surgery is required when the individual:

  • Experience severe pain in the joints.
  • Experience stiffness in the knee that limits daily activities like walking, climbing stairs, or getting up from a chair.
  • Experience pain that persists despite conservative treatments like medications, physical therapy and injections.
  • When a person's x-ray has confirmed severe joint damage.

Why do you Need Health Insurance for Knee Replacement Surgery?

There are several reasons why health insurance can be beneficial if you are planning for knee replacement surgery. Have a look below for the reasons:

  • Beat the high costs

    A knee replacement surgery costs around INR 50,000 to INR 1,50,000 for one knee. It depends on the procedure you choose and the reputation of the surgeon/hospital.
  • Covers hospital room rent

    You can claim reimbursement for room rent charges.
  • It covers the fees of the surgeon

    Health insurance covers the charges for your surgeon who will perform the surgery.
  • Pre-hospitalisation

    The policy covers charges for pre-hospitalisation procedures such as blood tests, x-rays, and other diagnostic tests.
  • Post-hospitalisation

    Your health insurance policy covers post-hospitalisation charges.
  • Reduced stress

    When you have a health insurance policy, you know that a significant portion of the cost is covered by the insurance which provides peace of mind during crucial medical procedures. This way you can focus on your recovery rather than worry about upcoming medical bills.

Know More About: Health Insurance for Robotic Surgery


Around 10 years ago, knee replacement was considered cosmetic surgery. However, now insurance companies understand that knee replacements are done due to critical illness. If the patient will not undergo this surgery then they have to live with pain for years. The good news is, as per IRDAI, now your health insurance plans will cover the cost of knee replacement surgery. So, take this opportunity to live pain-free for the rest of your life. Call us at PolicyX to know more details about health insurance that covers knee replacement surgery.

Health Insurance for Knee Replacement Surgery: FAQs

1. Does my existing health insurance plan cover knee replacement surgery?

You need to check for the policy wording of your plan. Or contact your insurance provider for clarification on the coverage details of your plan.

2. Is robotic knee transplant surgery covered by health insurance?

If the surgery is suggested by the doctor then it will be covered in health insurance plans.

3. Does health insurance cover physical therapy after knee replacement surgery?

Yes, some plans provide coverage for after-therapy knee replacement surgery, especially those health plans that cover physiotherapy.

4. How do I know if I need knee replacement surgery?

If you feel uncomfortable in your knees while walking, sitting or standing, then you need to contact your orthopaedic surgeon. They will assess the conditions and suggest treatment accordingly.

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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.