Health Insurance and Modern Treatments

Science fiction has discussed how robots can change medicine and healthcare for decades. Remember Baymax from Big Hero 6, the inflatable robot serving as a medical assistant. The movie talks about measuring health parameters from the comfort of your home.

While we still haven’t developed Baymax. Maybe in a decade or two, we will have something similar. The future of healthcare is shaping up right in front of us with 3D printing, robotics, and electronic health devices as modern treatments.

However, not everyone can afford access to high-end technology and robotic surgeries. As fancy and amazing as these advanced and modern treatments sound, unfortunately, they are not accessible to everyone.

IRDAI has recognized the need to make the latest advancements in medical treatments accessible by adding modern treatments to health insurance plans.

In this article, we explore what are the modern treatments in health insurance, benefits, and things to consider when availing of modern treatments.

What Are Modern Treatments?

Modern treatments are the procedures wherein high-end technology is used to cure illnesses. Common examples are:

• 3D Printing in Prosthetics
• Robot-assisted surgery
• AI used in risk assessment, patient prognosis estimation for cancer patients
• Smart watches and health measurement devices
• Sleep assessment rings

Modern treatments apply advanced technologies and modern methods to treat patients. Advanced equipment and the latest technologies are deployed which are usually expensive without a comprehensive health insurance cover.

List of Modern Treatments in Health Insurance

As per IRDAI, all health insurance companies offer the following modern treatments:

• Robotic Surgeries
• Balloon Sinuplasty
• Deep Brain stimulation
• Bronchial Thermoplasty
• Stem Cell Therapy
• IONM (IntraOperative Neuro Monitoring)
• Stereotactic Radio Surgeries
• Oral Chemotherapy
• Intra vitreal injections
• Vaporization of the prostate
• Uterine Artery Embolization and High-Intensity Focused Ultrasound

All the above-mentioned modern treatments are covered up to a specified sub-limit as per different health insurance plans.

Benefits of Modern Treatments

If you are investing in a health insurance plan with modern treatments there are various benefits you are entitled to, which include:

Things To Consider When Availing Of Modern Treatment In Health Insurance

When opting for a health insurance plan with modern treatments consider the following tips:

Health Insurance Plans With Modern Treatments

Below are some health insurance plans with modern treatments:

Wrapping It Up

Looking for health insurance plans for a specific modern treatment only makes sense if you are sure that you will utilize it. Most health insurance plans cover modern and advanced treatments up to specified sub-limits.

However, there are certain factors you must consider before purchasing health insurance with modern treatments like comparing the sum insured, looking at waiting periods, understanding how many modern treatments are covered, etc.

For further information on modern treatment health insurance plans connect with PolicyX insurance experts.