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Is Varicose Vein surgery covered under the health insurance policy in India?
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Manage varicose veins condition with effective treatment and explore its insurance coverage! Know more about the is varicose vein treatment covered by insurance in india
The varicose vein is quite common among middle-aged people. You will often come across people who complain of the varicose vein which creates problems for them in their day-to-day life. In some people, it becomes so painful that they even undergo varicose vein surgery. However, the varicose vein surgery cost is on the higher side and not everyone can afford it. This is why many prefer buying a health insurance policy. So, let us discuss what varicose vein is and what kind of health insurance plans you should go for.
What is a Varicose Vein?
It is a health condition in which veins in the body can get enlarged, dilated, and even gnarled. You would be able to see the veins on the skin. People develop this condition because the valves in their veins do not function properly. What happens usually is that the valves in the vein allow the blood to flow in a single direction which is why it does not flow backward. Nevertheless, when you have varicose veins, blood may not travel to the heart, and instead starts collecting at one place or flowing backward. This can be an issue. However, you need to know that the intensity of the condition is not the same for everyone.
Various Types of Surgeries for Varicose Vein
- Endovenous Laser Therapy Ablation: In this type of surgery, ultrasound imaging and laser fibre are used and the thin vein lining is removed. This is done with the help of varicose vein laser surgery. Upon completion of the surgery, the body starts absorbing dead tissue and the aberrant veins are plugged without pain. The recovery in this procedure is faster and the problems are also lesser.
- Vein Ligation and Stripping: In this method, the affected area is incised and the veins of the patient are tied. This surgery is performed on patients who have trophic ulcers or varicose eczema.
- Transilluminated Powered Phlebectomy: This surgery involves illuminating the vein. An endoscopic transilluminator is used to produce bright light. The device is placed by a surgeon under the skin, and with its help, he/she watches the extracted veins. This becomes easier for the surgeon to remove them with the help of a suction device.
What all are covered by health insurance in varicose veins surgery in India?
When you have a health insurance policy and you use it for varicose vein surgery, several things get covered. Some of the inclusions are listed below:
- ICU charges
- Pre- and post-hospitalization cover
- Domiciliary treatment
- Surgeon fees or anesthetist
- In-patient treatment
- Ambulance charges
When should you use health insurance to get varicose veins surgery?
The coverage for varicose surgery is provided by the majority of insurance companies. However, if you are curious to know when is the right time to get the coverage, then here they are mentioned.
- If you are finding it difficult to carry on with your regular activities because of the varicose veins
- If you are facing symptoms that include swelling, severe pain in your legs, blood clots, ulcers, bleeding veins, and heaviness in your legs
- If your medical reports show signs of vein reflux diseases
- When other remedies fail to show any kind of improvement in the varicose veins
- If you are facing other health issues because of varicose veins.
If you develop varicose veins, there is absolutely no need to be scared or worried. You can get started by changing dietary habits, massaging the legs, and doing light exercises as well. However, if none of these seem to be working and the condition gets worse, you must undergo treatment. Therefore, you should also get a health insurance policy that provides coverage for the surgery of varicose veins.
FAQs: Does Health Insurance Cover Varicose Vein Surgery?
Yes, the majority of health insurance policies cover varicose veins surgery. However, while buying a health insurance policy, you must check if varicose veins surgery coverage is included.
To undergo a varicose veins surgery, it may cost you somewhere between INR 36,000 and INR 2,75,000.
Yes, not only you will feel better and live a pain-free life, but you are also not likely to develop other health complications.
Although you will be given anesthesia, once the effect of anesthesia is gone, you might feel a bit of pain in the legs. However, all of it should go away in just 1-2 weeks.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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While on the road, you are not sure what happens next. One slight mistake might lead to an accident. And when an accident strikes, be it a minor or a major one, it is likely to create a grave situation for the people involved.
Do’s to Consider After a Road Accident
Here are the 5 things one should DO after a road accident:
1. Look for any severe injury
Once you feel better and are out of the shock, check for any other injuries. There may not be a bleeding for all kinds of injuries, so move your body and check if the arms and legs are easily movable or if you find strain in moving them etc.
2. Get first aid to control bleeding
If you are wounded heavily and the wounds are bleeding, you must use whatever means possible in your first aid to obstruct the flow of blood from the injury. You may tie a cloth in the open wound just an inch above the exact location of the cut. Pressing the wound directly with a cloth might also help. Always use palm of your hand rather than fingers and put pressure on the wound to stop the blood that is coming out.
3. Make calls to seek help at the earliest
If the accident has caused injuries to multiple people which is unable to manage with first aid, you must look for help in the vicinity by calling the locals nearby. Also, call for ambulance as soon as possible.
4. Make the necessary calls
There are some necessary calls that needs to be made after an accident. The first among them is of course calling for medical help or ambulance. The next call you should make is to the police so that you can get the FIR report on the road accident, and the final call has to be made at the insurance company helpline.
5. Take photographs of the accident scene
After making sure that the immediate medical needs are taken care of, you may start clicking photographs of the accident scene for sharing it with the insurer and police for raising a claim.
Don’ts to Consider After a Road Accident
Here are the 5 things one should not DO after a road accident. Let’s check the don’ts now:
1. Don’t Fled the Accident Scene
Irrespective of the magnitude of the accident, i.e., whether it is serious or not, one should never leave or run away from an accident scene that the person is involved in. More so, abandoning casualties which could have been saved is a further heinous crime. In fact, that could charge a person for a Hit and Run case and can lead to his/her imprisonment.
2. Never Panic in such a situation
Yes, everyone panics in such serious situations of accidents. But the advice is one should try to stay calm and help others.
3. Don’t Fall into Blame Game After an Accident
Accidents cause severe injuries and damages to people and property. However, rather than blaming each other and adding to the panic situation, it is better to handle the situation and provide aid to the needy.
4. Don’t Go for Settlement if there is no Insurance Representative
Going for settlement in an accident with evidently no fault of yours might offer you low-settlement costs. This may not serve your purpose well. Hence, go for a settlement only in the presence of an insurance representative. Don’t get duped by verbal-on-the-spot settlements.
5. Don’ts in case of Severe Physical Injuries
- Never try to remove any object that is stabbed in the body of the injured as removing it might increase bleeding. The object might be obstructing the flow of blood that is coming out and hence let only a medical professional do it
- If the injured has received any neck injury, try not to move the person’s neck. This is especially in case of serious mishaps and if the neck is at an abnormal angle, it is better not to move that person
- Don’t Feed anything including water to the Injured as you are not sure of the extent of the injuries that the person has suffered. In fact, feeding anything could choke the person if there are jaw injuries
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Fitness Certificate, commonly called as FC is a document that confirms the fitness of a vehicle. This certificate ensures that the vehicle is fit to ply on the roads. Let us learn more about it in this post.
Fitness is crucial not only for human beings but also for vehicles plying on roads. According to the Motor Vehicles Act, 1989, every vehicle is allowed to be run on Indian roads only if it has a Vehicle Fitness Certificate.
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