How Much Does Septoplasty Cost with Insurance?

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Septoplasty is the surgical procedure to correct a deviated nasal septum. Many people choose to undergo septoplasty for cosmetic reasons whereas others make this decision out of necessity. In many people, the deviated septum causes breathing issues and other health problems as well.

When you decide to undergo septoplasty for cosmetic reasons, your health insurance will not cover the cost of treatment. But, if you undergo septoplasty for medical reasons, the insurance providers will approve your claim and cover the entire cost of treatment.

Today, we will discuss how much septoplasty may cost when you are using the health insurance policy and what aspects of the treatment will be covered under insurance.

Costs Involved with Septoplasty

Listed below are the factors that determine how much septoplasty will cost with or without insurance.

  • Choice of the hospital where the patient will undergo surgery
  • Doctor’s consultation and operating fee
  • Price of the surgical procedure, i.e., open surgery or endoscopic surgery
  • Cost of pre and post-surgery medications, if needed
  • Price of evaluation and diagnostic tests
  • Price of the room you choose to stay in (standard single room, deluxe room, sharing room, etc.)
  • Hospital services (nursing charges, meals, room service, etc.)
  • Hospital admission and discharge cost
  • Price of follow-up care and appointments, if needed

When you consult an ENT surgeon, he/she will describe how these factors will influence the final cost of the treatment and give you an estimate too. The doctor will also ask if you have a health insurance policy. In case you have an insurance policy, the doctor will suggest that you use the policy to get advanced care and best-quality services without worrying about the cost.

You must have heard from many people that using health insurance is better than paying in cash for any treatment. That is because the insurance allows the patient to get all optimal care without worrying about the cost. However, there is a catch. You should also be aware of the amount of coverage you have for a particular treatment, in this case, specifically for septoplasty.

When you pay for septoplasty with insurance, the cost may increase up to Rs. 1,00,000 approx. But there is no doubt that with the help of insurance you can afford better services. For instance, while paying in cash, you may choose to stay in a general ward with fewer amenities to save the cost. However, when you know that the insurance will cover the room rent for a double or single sharing room with the best amenities, you will prefer using the insurance to make your stay comfortable and convenient.

Costs Included & Excluded in Health Insurance

Here is a list of expenses that will be covered under insurance for septoplasty:

  • Room rent for one day (as the 1-day stay is required for the surgery)
  • Cost of surgery
  • Consultation with the doctor
  • Diagnostic tests and other investigations
  • Routine pharmacy and other consumables during the hospital stay
  • Patient’s food
  • Surgeon’s fee
  • Anesthetist fee
  • Operation theatre charges
  • Pharmacy services that include charges of the drugs and medical consumables

You can find the list of medical consumables in your health insurance policy and also discuss the terms and conditions with the insurance provider. He/she will also help you understand the expenses that won’t be covered under the health insurance policy.

The exclusions in insurance policy involve:

  • Overstay in the hospital (if you stay for more than 1 day)
  • Other specialty consultations (if you get a second opinion from a healthcare provider)
  • Special equipment (in case your surgery was complex and the surgeon had to use special instruments)
  • Additional Procedure or surgery (i.e., if additional correction is required with septoplasty like reshaping the cartilage)
  • Blood components (if you need a blood transfusion because you’ve lost excessive blood).

In these aspects, you will have to bear the expenses from your own pocket as they won’t be covered under insurance.

What is the Cost of Septoplasty in India without Health Insurance?

On average, if you are not using health insurance to pay for septoplasty, the surgery will cost around Rs. 35,000 to Rs. 60,000 approximately. However, this is merely an estimate of the amount which may vary from patient to patient. The actual cost is determined by accounting for a wide variety of factors that are involved with the surgery which are mentioned above.

The Bottom Line

When a doctor recommends that the patient needs to undergo surgery for the treatment of a specific condition, numerous things come to mind: Will the surgery work? Is the surgery painful? How long will I need to recover? Will the surgery leave scars?

Besides that, the concerns about the costs follow behind. And medical treatments can have a significant impact on a patient’s finances, especially if the surgery is expensive. The same goes with septoplasty. If the deviation in the nasal septum is severe, the cost of surgery will go high up to 1 lac.

The good news is that most health insurance policies will cover a major part of the surgical treatment. Thus, you can get best-in-class services at the top hospitals and clinics across India while undergoing septoplasty.

In case you don’t have health insurance, Pristyn Care can help to make the treatment easily affordable for you. We offer No-Cost EMI service to the patients that allow them to undergo surgery at present and pay for it in easy installments. This service is available across major cities of India. You can give us a call and talk to our medical coordinators to learn more about the services.

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