Orthopedic Health Issues in India
Orthopedic health problems in India are steadily increasing and are no longer limited to older adults. Alarmingly, these issues are now being reported across various age groups. A major contributing factor is the sedentary lifestyle adopted by the working population, which has only worsened since the onset of the COVID-19 pandemic. With many individuals continuing to work from home, mobility has reduced significantly, leading to a rise in musculoskeletal issues.

Treatment for Orthopedic Conditions
Orthopedic conditions can range from minor to severe. Mild cases can often be managed with prescription medications, physical exercises, and physiotherapy sessions. However, in more serious cases, surgical intervention becomes necessary for the patient to regain normal functioning.

What is Orthopedic Surgery?
Orthopedic surgery involves procedures performed on the musculoskeletal system to address injuries, congenital or acquired disorders, chronic arthritis, and other issues affecting bones, ligaments, tendons, and joints. Commonly treated areas include the knee, hip, spine, ankle, wrist, and elbow. These surgeries can be performed via arthroscopy, which is typically an outpatient procedure, or through open surgery that may require hospitalization. Regardless of the method, orthopedic surgeries can be quite expensive, making health insurance a helpful financial buffer.

Common Types of Orthopedic Surgeries
Orthopedic surgeries are commonly carried out on the body’s major joints and bones. Some of the most frequent procedures include:

• Joint Arthroscopy
• Joint Replacement Surgery
• Bone Fracture Repair
• Soft Tissue Repair
• Osteotomy (bone realignment)
• Spinal Fusion
• Arthroplasty (joint reconstruction)
• Bone Fusion
• Debridement (removal of damaged tissue)
• Revision Joint Surgery

Costs Associated with Orthopedic Surgery
Orthopedic surgeries involve several types of costs beyond just the procedure itself. Expenses may include pre-operative consultations, diagnostic tests such as MRIs and X-rays, post-operative rehabilitation, and follow-up visits. In some cases, a second medical opinion may also be required. These cumulative costs can significantly impact an individual’s finances, highlighting the importance of having adequate health insurance coverage. Using a health insurance premium calculator can assist in choosing the right policy, especially for individuals with a family history of orthopedic issues.

Is Orthopedic Surgery Covered by Health Insurance?
Most health insurance plans do cover orthopedic surgeries, though the extent of coverage varies by policy. Hospitalization costs are generally included, but it’s crucial to check whether pre-and post-treatment expenses, such as diagnostics, rehabilitation, and doctor’s fees, are also covered. Some comprehensive plans may even include the cost of surgical implants and physiotherapy sessions. It’s also important to note that arthroscopic procedures, considered daycare treatments, are included in many policies.

Coverage Details for Orthopedic Surgeries
Health insurance typically covers several key expenses related to orthopedic treatments, including:

• Pre-Hospitalization: Consultations, tests, and imaging procedures.
• Hospitalization: Room charges, surgery fees, and nursing care.
• Post-Hospitalization: Physiotherapy, rehabilitation, and follow-up appointments.
• Prosthetics and Implants: Cost of artificial joints or other surgical devices.

Waiting Period for Orthopedic Surgery Coverage
Health insurance plans often include a waiting period of 1 to 2 years before claims related to orthopedic surgeries can be made. For individuals with pre-existing conditions, the waiting period may be longer. However, some insurers offer special plans. For example, Bajaj Allianz Health Insurance provides coverage for disclosed pre-existing conditions from day one, ensuring that patients can focus on recovery without financial stress.

Conclusion
Orthopedic problems, if left untreated, can lead to long-term complications. In many cases, surgery becomes essential for effective treatment. Given the high costs associated with these procedures, investing in a comprehensive health insurance policy is a smart decision. Be sure to thoroughly understand the policy terms, including coverage limits and waiting periods, to avoid unexpected expenses and secure peace of mind during your treatment journey.