Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more


What Are The Benefits of Health Insurance For Joint Replacement?

This article explores the advantages of health insurance for knee, hip, or shoulder surgeries, covering hospitalization, expenses, cashless treatment, and reimbursement benefits.

  • 10 Jan 2024
  • 2 min read

Joint replacement surgeries, such as for the knee, hip, or shoulder, are quite expensive, and the thought of handling such costly medical bills can be scary. Thankfully, health insurance can play a huge role in taking care of this burden. In this article, we’ll explore the numerous benefits of joint or knee replacement insurance.


Benefits of Health Insurance For Joint Replacement

Listed below are the main benefits of having health insurance for knee replacement or any other joint replacement:

  • Cover for Hospitalisation: A comprehensive medical insurance plan covers hospitalisation, pre-hospitalisation, and post-hospitalisation costs. 


  • Expenses: Knee replacement surgery expenses include the hospital stay for the surgery, the operating room and recovery room charges for the surgery, the surgeon's fee for performing the surgery, the anesthesiologist fee and other related medical expenses. Knee replacement insurance will not leave you with a huge out-of-pocket bill at the end.


  • Cashless Treatment: This means that your insurance company will pay the hospitals in your network directly. The good news? You don’t have to make any prior payments and it really makes things easier.


  • Reimbursement: India has a lot of health insurance plans that cover knee replacements these days. They come with different ways to pay for these kinds of treatments to make things easier for you.


Here are a few things to keep in mind when it comes to knee replacement insurance:

  • Choose the Best Policy: Find and compare different insurance plans on the web. Certain websites provide a lot of different insurance plans that can be compared side by side.


  • Understand Every Detail: Always keep in mind to read the fine print. Be clear about questions like “How long will it be before you can get coverage for a condition?” “Will they tell me much earlier  if the treatment expenses are going to shoot up?” or “Will you have to find out when you renew your policy?”


Also read:


Health insurance for knee replacement or any joint replacement is a good investment that provides loads of benefits. From ensuring access to top-notch medical care to reducing out-of-pocket expenses, having health insurance can make a huge difference in one's recovery journey.

  • Looking for tailored advice?

    Schedule a call with our insurance advisors

  • OR
  • Call us:

    1800 2666
Please enter valid name
Please enter a valid mobile number
Please select the Category

Subscribe to our newsletter

Understand insurance better by reading our helpful guides, articles, blogs and other information.

Please enter valid name
Please enter valid Email

Error message here