Does health insurance cover hip replacement surgery?

Is hip replacement surgery covered by Indian health insurance?

yes, hip replacement surgery It is now covered by most insurances. However, there are certain factors to consider and be aware of prior to surgery to ensure a smooth treatment and recovery process. In this blog, I briefly explained the cost and insurance of hip replacement surgery.

Hip Replacement Health Insurance Benefits

Health insurance is very beneficial throughout hip replacement surgery and treatment. Most people undergo hip replacement surgery when severe, persistent hip disease interferes with their daily lives.

It is important to know exactly what your health insurance covers. Whether your hip problem is the result of a longstanding illness or a recent accident, you need to clearly indicate which health issues are covered, which treatment options are covered, and which treatment options are not covered.

Common benefits of having hip replacement surgery covered by insurance include:

  • Room and operating room rent
  • Nursing care costs during surgery
  • ICU admission fee/hospitalization fee
  • Fees charged by specialists, surgeons, consultants and anesthesiologists during surgery
  • Medicines and medical expenses such as anesthesia, blood, oxygen, prostheses, and grafts required during surgery
  • Hospitalization expenses other than the above

In addition to this, having the right insurance will cover some of the pre- and post-surgery costs.

Pre-operative costs for hip replacement surgery that may be covered by some policies include doctor’s fees, diagnostic testing and evaluation costs incurred within 30 days of surgery.

Some policies may cover post-surgical costs such as medications, assistive devices, and physical therapy that occur within 60 days of the patient’s surgery and require full recovery. Additionally, cashless treatment is available with prior insurance approval. That means you don’t actually have to pay for the surgery, and the insurance company itself settles the hospital bill.

Also read- Tips for choosing the best hip replacement surgeon

Out-of-pocket costs you may have to pay for hip replacement surgery

Out-of-pocket costs for hip replacement surgery depend on the terms of the policy itself and may vary from policy to policy. Even if hip replacement surgery is covered by insurance, you may still have to pay some of the costs yourself.

Some insurance policies only cover hospital and surgery costs and may not provide any assistance during the recovery period. This means that costs such as diagnostic tests, physical therapy, and rehabilitation are not covered.

Post-operative physiotherapy is very important to ensure a complete recovery of the patient, as skipping appropriate physiotherapy can lead to complete treatment failure. Without insurance, they may consider skipping some of the physical therapy to save money.

If policies do not provide adequate coverage for surgery, patients may consider investing in a medical credit card or savings account to save on surgery costs.

What are the indications for hip replacement surgery?

Common indications for hip replacement surgery include:

  • Severe hip injuries, such as compound or compound fractures
  • Hip joint degeneration due to osteoarthritis of rheumatoid arthritis
  • Femoral Acetabular Impingement Syndrome
  • hip dysplasia
  • Avascular necrosis, or osteonecrosis
  • Neoplasms of hip bones and joints
  • Poor results with conservative treatments such as drugs and physical therapy

Most patients have severe hip pain, swelling, and stiffness that interfere with their mobility, rest, and sleep cycles, and interfere with daily activities such as walking, climbing stairs, and shopping. Start thinking about replacement. Some patients may even experience psychological stress. Depression due to pain and lack of mobility. For such patients, hip replacement surgery can be a boon and a new lease on life.

How much does hip replacement surgery cost?

The average cost of total hip replacement surgery ranges from Rs.2.8 lakh to Rs.3.5 lakh (unilaterally) and Rs. Rs 4.5 lakh (both sides) including surgery plus ancillary services. This is an approximation of the overall cost and may vary depending on several factors, including:

  • Choice of treatment hospital
  • Room selection
  • Surgeon’s consultation fee
  • type of surgery
  • Severity of joint degeneration
  • Type of implant used
  • Cost of anesthesia and other surgical equipment
  • cost of medicines and aids
  • Postoperative physical therapy and care required
  • post-operative consultation fee

of hip replacement cost It is also influenced by the patient’s health status and pre-existing health problems as it can lead to unprecedented postoperative complications.


Having the right health insurance will not eliminate all pain and discomfort from hip replacement surgery, but it will give you ongoing peace of mind, so you can rest assured that you will not have to worry about the financial side of the treatment. You can concentrate on your treatment.

From diagnosis to surgery, private medical care is quickly accessible with the right insurance coverage. If you are new to insurance and have not yet selected an insurance policy, compare the premiums, deductibles, deductibles, etc. of each policy to choose the best policy for you.

If you are over 50 and have serious hip problems, you should immediately consider having hip replacement surgery to improve the rest of your life. Before surgery, make sure your hospital has your insurance policy and accepts it for the surgery. Does health insurance cover hip replacement surgery?

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