Does Insurance Cover Repeated Hospitalisations for Rheumatoid Arthritis?

Yes, in India, most health insurance policies generally cover repeated hospitalisation for critical health conditions such as rheumatoid arthritis. Medical insurance policies cover this condition as a standard inclusion or after a particular waiting period if you have it as a pre-existing disease.

Rheumatoid arthritis is a progressive and chronic autoimmune disease that requires long-term and ongoing care with frequent hospitalisation for surgeries or flare-ups, such as joint replacements.

After How Many Days can You Raise a Claim for Repeated Hospitalisation for Rheumatoid Arthritis?

The cooling period for raising a claim for a health insurance plan varies depending on the types of healthcare services included in your policy. Most insurance companies generally provide a clear-cut time frame for raising claims from the first date of issuing your health insurance coverage plan.

For most reputable and popular health insurance companies, the typical waiting period varies between 12 and 36 months. You can claim multiple times for hospitalisation due to rheumatoid arthritis until your insured amount gets exhausted. However, carefully scrutinise the terms and conditions of your health insurance plan.

What are the Key Considerations of Repeated Hospitalisation for Rheumatoid Arthritis?

1. In-patient Hospitalisation

Health insurance plans must cover inpatient hospitalisation expenses for a 24-hour hospital stay, including medicines, room rent, ICU cost, and surgeries related to rheumatoid arthritis. Policies generally support repeated hospital admissions for the same illness with automatic restoration of the sum insured in a policy year. It ensures continuous health protection.

2. Pre- and Post-Hospitalisation

Repeated hospitalisation expenses include pre- and post-hospitalisation costs up to 60 days before and 90 days after discharge. It includes doctor consultations, diagnostics, and follow-up. You can claim day-care procedures such as minor surgeries or joint injections within the 24-hour hospital stay.

3. Critical Illness Care

For severe rheumatoid arthritis, most health insurance companies offer treatment costs and a higher sum insured upon diagnosis, especially with repeated hospitalisation commitments. However, insurance companies cover repeated hospitalisation with a 12-month gap between every claim in a single policy year.

4. Advanced Therapy Coverage

Modern rheumatoid arthritis treatment involves costly immunotherapy and biologics. Healthcare plans generally cover advanced therapies under day-care benefits or modern treatment, depending on your policy terms and conditions.

5. Surgical Procedure

In health insurance plans, you can receive support for advanced-stage surgical procedures such as corrective orthopaedic procedures and joint replacements. Comprehensive health insurance plans cover expensive treatments, including post-surgical care and hospital stays.

Final Statement

Rheumatoid arthritis, a chronic autoimmune disease, requires lifelong treatment, regular health monitoring and doctor consultations. Health insurance plans help patients manage rising medical costs and hospital care with access to therapies.

You can opt for a health insurance plan with no limit on maximum claims during a policy term.