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Health insurance in India is generally well-designed for orthopaedic surgery, but the details vary between insurers, policies, and hospital packages.
The general process
For elective orthopaedic surgery, the process is pre-authorisation → approval or query → admission with cashless → discharge and final settlement.
What to check in your policy
Before scheduling elective surgery: room category sub-limit, implant sub-limit, waiting periods for pre-existing conditions, co-payment clauses, and network hospital status.
Corporate GPA policies
Corporate group insurance policies often have specific rules around dependants, waiting periods and coverage limits. Check with your HR or insurance liaison well in advance of any planned surgery.
Clinical takeaway
- Insurance is policy-specific. Yours may differ from what a friend has.
- Pre-authorise early. Do not delay this to the last day.
- Check sub-limits. Room, implant, co-payment, waiting periods.
- Confirm network status. Cashless works only at network hospitals.
If you have questions specific to your case, please book a consultation.
Dr. Vijay Chandar R.
15+ years of clinical practice with a focus on knee replacement, ACL and sports knee injuries, arthroscopy and shoulder surgery. Consultations at VBJ Bone & Joint Clinic, Kanakapura Road. Read full profile →
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