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Updated on Mar 04, 2026 5 min read
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 modern treatment 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
The above modern treatments list mentions all treatments that 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:
- Peace of Mind When you invest in a health insurance plan that covers modern treatments, you are promised treatment as per the best and latest healthcare advancements.
This broadens the scope of curing critical ailments like cancer, heart problems, etc offering the insured individual a sense of peace and confidence to recover. - Hospitalisation Coverage Modern treatments in health insurance come with hospitalisation cover. If you are required to undergo any advanced medical procedure, then the insured individual is covered for hospitalisation expenses as well.
- No Waiting Period Apart from serving the initial waiting period of 30 days for most health insurance plans, modern treatments do not require you to undergo a separate waiting period.
Unless you have a pre-existing condition that requires a modern treatment then waiting periods may vary as per the plan opted. - Modern Treatments Affordability The main aim of including modern treatments in health insurance is to make them affordable. Investing in a health insurance plan that offers modern treatments ensures you get the best treatment facilities at affordable premiums.
- Wide Portfolio Of Treatments There are many health insurance plans offering a wide array of modern treatments ensuring the best possible cure for many illnesses.
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:
- Go through the policy wording properly before opting for a health insurance plan. Pick only those modern treatments, that you will need in the future. This not only provides you with the best possible treatment for major illnesses but also limits your health insurance premium costs.
- Ensure you are well versed with the sub-limits of modern treatment procedures mentioned in the health insurance plan you opt for.
- Compare health insurance plans to ensure you avail of the best modern treatments in health insurance suitable as per your needs and requirements.
- Understand the terms and conditions of health insurance plans with modern treatments like co-payments, waiting periods, room rent limits, etc.
Health Insurance Plans With Modern Treatments
Below are some health insurance plans with modern treatments:
| Health Plan | Coverage Limit for Modern Treatments | Modern Treatment Covered |
| Niva Bupa Aspire | Upto Base SI |
|
| Care Supreme | Up to Base SI |
|
| Star Comprehensive Plan | As per specified sub-limits in policy schedule |
|
| Niva Bupa Reassure 2.0 | Up to Specified sub-limits in the policy schedule |
|
Wrapping It Up
Looking for health insurance plans for a specific modern treatment in health insurance 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.
To know more about individual, family, senior citizen, and group health insurance, schedule your appointment with PolicyX advisors today!
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Modern Treatment In Health Insurance: FAQs
1. What are modern treatments?
Modern treatments apply advanced technologies and modern methods to treat patients. Modern equipment and the latest technologies are deployed which are usually expensive without health insurance cover.
2. Are modern treatments covered under health insurance plans?
As per IRDAI, there are certain modern and advanced treatments that all health insurance plans have to cover which are mentioned above in the article.
3. What are some common health insurance plans that offer modern treatments?
Our top picks for health insurance plans that cover a wide range of modern treatments are: Niva Bupa Aspire Star Comprehensive Health Insurance Care Supreme Niva Bupa Reassure 2.0
4. Is there a separate waiting period for modern treatments?
Most health insurance policies cover modern treatments after an initial waiting period of 30 days.
5. What is modern treatment in Star health insurance?
Modern treatment in Star Health covers advanced procedures like robotic surgery, stem cell therapy, and oral chemotherapy.
6. What is modern treatment for heart disease?
Angioplasty, bypass surgery, stent placement, robotic cardiac surgery, and ventricular assist devices are some modern treatments for heart diseases.
7. Does HDFC Ergo cover modern treatment?
Yes, HDFC Ergo covers modern treatment as a part of its health insurance policy.
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