Health Insurance for Robotic Surgery
  • What is robotic surgery?
  • How it works?
  • Terms and conditions
Health Insurance for Robotic Surgery
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Health Insurance for Robotic Surgery

Imagine a world where surgery involves minimal incisions, faster recovery times and potentially improved health.

No, no! This is not science fiction, this is the reality of robotic surgery. A technology that is rapidly evolving in modern medicine. We can say that robotic surgery for doctors is similar to what ChatGPT is for corporate employees nowadays. Let us understand this in detail.

What is Robotic Surgery?

Robotic surgery is a part of medical science. It involves robotic systems to help surgeons perform complex procedures with the proper control and great precision. This technology helps the doctor in doing surgeries, with more precisions like tissue removal around the brain or large blood vessels, joint replacement, cancer-related vital organs, brain surgery, and much more.

When we talk about robotic surgery, it does not mean that robots will perform it. It means that some robotic arms and cameras will be there to help the doctors to do the surgery.

How does it work?

  • Tiny Tools - Small instruments and a special camera are inserted into the body of the patient through some very small cuts, sometimes just like with keyhole surgery.
  • Controlled by the Doctor- The surgeon usually sits at the nearby console with the controls that are like joysticks.
  • Robotic Assistance- The hand movements done by surgeons are precisely translated by the machine, like a super-steady and magnified version of their own hands. This allows for very delicate and controlled movements.
  • Better View- The camera used in robotic surgery provides a high-definition, magnified view inside the body, giving the surgeon a clearer picture of the operation area.

PS- Robotic surgery is not suitable for every situation. It is usually used for specific procedures where precisions and minimal incisions are important.

Health Insurance Plans That Cover Robotic Surgery

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Advantage (Pros)

  • Automatic Recharge
  • High SI
  • 50% No Claim Bonus
  • Ambulance Cover
  • Optional Cover Available

Care Advantage (Cons)

  • 20% Co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Advantage (Other Benefits)

  • 5 L Air Ambulance Cover
  • Reduction in PED Waiting period
  • Co-pay Waiver
  • Annual Health Check-up
  • Room rent modification

Care Advantage (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 25 L to 6 Cr
  • Waiting Period - 30 Days

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health check-ups for claim-free years
  • Hospital Cash Benefit
  • 100% Automatic Restoration

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

This plan is designed to give you access to modern-day procedures and overseas treatment.

Unique Features

  • Global coverage
  • Modern care treatment
  • Donor expenses

MaxProtect Plan (Pros)

  • Overseas treatment coverage
  • Guaranteed cumulative bonus
  • Covers organ donor transplant
  • Second medical opinion
  • Unlimited teleconsultation

MaxProtect Plan (Cons)

  • No maternity cover
  • No war injury cover
  • Less coverage for daycare procedures
  • Vaccination not covered
  • No suicide cover

MaxProtect Plan (Other Benefits)

  • 2 unique variants of the plan
  • Bariatric surgery on doctor’s recommendation
  • Unlimited online consultations
  • Cashless claim settlement
  • AYUSH Treatment cover

MaxProtect Plan (Eligibility Criteria)

  • Minor entry age - 91 days - 20 years
  • Adult entry age - 21 - 65 years
  • SI - Up to 1 Cr
  • Waiting Period - 30 days

Why Choose Health Insurance Plans that cover Robotic Surgery?

There are multiple reasons to choose health insurance plans that cover robotic surgeries. Here are some of the main reasons for considering this modern technology in your health insurance:

  • Hospitalisation coverage
  • Provides fees for the surgeon
  • Covers the charges of anaesthesia
  • Operation room fee charges
  • Fees for assistant surgeons
  • Overall financial protection

What are the Conditions Applicable for Robotic Surgery Coverage?

When you buy a health insurance policy that covers robotic surgery, it will come with several terms and conditions. Some of them are given below:

  • Medical Necessity

    If your health insurance covers robotic surgery, it should be deemed a medical necessity by some qualified medical professional.
  • Expertise

    The surgeon who is performing must be trained and qualified in the technology of robotic surgery.
  • Inclusion

    Not all health insurance plans cover robotic surgery. Check your plan and understand the policy wordings to make sure, whether it is covered in your health insurance plan or not.
  • Sub-limits

    Some health insurance plans apply sub-limits to robotic surgery. This means that the insurance company will only cover a pre-determined amount of the procedure. Check before buying the policy.
  • Waiting Period

    Certain plans might apply a waiting period for the surgery cost. This means you cannot claim the cost of robotic surgery without completing the waiting period.

Key Takeaways

Artificial Intelligence (AI) is gaining popularity day by day, everywhere in the world. And definitely, it is making life easier. Similarly, in the healthcare industry, robotic surgeries are changing the way operations are performed. Although not all health insurance covers robotic surgery, there are several health insurance plans, especially those which are launched recently that cover the cost of robotic surgery. Many insurers advise choosing plans that offer coverage for advanced medical treatment such as robotic surgeries. This widens the scope of treatment, minimises possible mishaps, and greatly reduces recovery time.

To know more about health insurance for robotic surgeries, call our IRDAI-certified insurance experts today.

Health Insurance for Robotic Surgery?: FAQ's

1. What is robotic surgery?

Robotic surgery is a medical technique that involves the use of technology for surgical procedures. It acts as the assistant to the doctor for surgeries like tissue removal, joint replacement, and delicate surgeries.

2. Does health insurance cover robotic surgery in India?

Yes, the latest health insurance plans in India cover robotic surgery under modern treatment coverage.

3. How much does robotic surgery cost in India?

The cost of robotic surgery may vary between INR 1,70,000 and INR 4,75,000 in India.

4. How can I find out if my health insurance covers robotic surgery?

You need to check your policy wording, if it says that you are covered for modern treatment, then you will mostly also be covered for robotic surgery.

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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.