Does Insurance Cover Lipoma Removal Surgery?

Lipoma is the most commonly benign, fatty tumour between the skin and the underlying muscle layer. The lump that feels doughy moves under the skin with light pressure. The tumour is not cancer and is usually harmless. 

Since lipoma is a benign tumour, treatment is usually not required. However, if it causes pain, difficulty moving, or is a cosmetic concern, you may seek treatment for lipomas.

There are different methods of treating lipomas, but lipoma removal through surgery is the most common. The surgeon uses surgical tools to remove the tumour from the body permanently.

Getting insurance for lipomas can be difficult due to two primary reasons:

1. Lipoma removal is usually done for cosmetic reasons. Cosmetic surgeries are typically not covered under health insurance policies. 
2. Lipomas generally do not cause medical problems and are not considered risky or harmful to one’s life. 

Therefore, it is wrong to simply assume that lipoma surgery is covered under insurance. The insurance plan from one company may differ from another.

The coverage might even differ according to the plan from the same insurance company. Therefore, it is best to talk to your insurance provider and enquire if lipoma removal is covered by insurance.

Services under lipoma removal vary from one insurance provider to another. Basic services that are covered under all standard health insurance policies include:

1. Hospitalisation Expenses: The insurance for lipoma covers hospitalisation costs after being admitted for more than 24 hours, including room rent, medicine costs, diagnostic tests, doctor’s fees, etc.
2. ICU Charges: The insurance policy also covers Intensive Care Unit (ICU) charges if you have to undergo surgery for treatment.
3. Pre and Post-Hospitalisation Charges: Insurance policies allow you to get coverage for expenses incurred before and after hospitalisation for a fixed period. These expenses include initial consultation, post-discharge follow-up, etc.
4. Ambulance Cost: If you get lipoma treatment as an emergency (though it is generally not done on an emergency basis), the insurance plan will also cover the expenses for an ambulance.
5. Day Care Procedures: Insurance covers lipoma treatment expenses when 24-hour hospitalisation is not required. 
6. Medical Check-Ups: Insurance policies for lipoma removal offer free preventive health check-ups regularly.      
7. Cashless Treatment: At a network hospital of the insurance provider, you can avail of cashless treatment without worrying about money arrangements.

Does insurance cover lipoma removal? Yes, it does! When you buy a lipoma removal policy from a reputed insurance company, you can avail of additional benefits at their network hospitals.

Several public and private medical centres in India are partnered with various insurance providers in the country. The following are some health insurance plans that cover lipomas to a full extent if they follow the required conditions:

1. Aditya Birla’s Active Assure Diamond Plan
   1. Active Assure Diamond plan from Aditya Birla Health Insurance is budget-friendly health insurance with 360-degree protection.
   2. With 10051+ network hospitals, the plan offers a sum insured ranging from ₹ 2 lakhs to ₹ 2 crores.
   3. The plan covers the charges for in-patient hospitalisation, pre and post-hospitalisation medical expenses, ambulance charges, second e-opinion, etc.
   4. The minimum age for entry to this plan is five years. 
2. Care Health Insurance’s Health Care Plan
   1. Care Health Care Insurance is a comprehensive health insurance plan that offers financial protection with a sum insured ranging from ₹ 5 lakhs to ₹ 6 crores.
   2. With over 16500 network hospitals, the plan offers cashless treatment to individuals and their families in case of medical emergencies.
   3. The plan includes pre and post-hospitalisation charges, ambulance expenses, in-patient hospitalisation, daycare treatments, annual medical check-ups, etc.
3. Niva Bupa’s Companion Individual Health Plan
   1. Niva Bupa Health Companion is an all-rounder health insurance plan that protects policyholders from medical expenses.
   2. With 5000+ network hospitals, you can avail of a cashless claim facility in just 30 minutes.
   3. The sum insured for the plan ranges between ₹ 3 lakhs and ₹ 1 crore.
   4. The policy includes pre and post-hospitalisation expenses, daycare treatments, domiciliary expenses, emergency ambulance charges, etc. 
4. Star Health’s Family Health Optima Insurance Plan
   1. If you want to get lipoma removal covered by insurance, the Family Health Optima Insurance plan can be a good option.
   2. With wide coverage options available, the sum insured ranges between ₹ 1 lakh and ₹ 25 lakhs.
   3. The plan offers cashless treatment in more than 14000 network hospitals across India.
   4. The plan provides wide coverage, including pre and post-hospitalisation, in-patient hospitalisation, daycare procedures, ambulance charges, etc. 
5. ManipalCigna’s ProHealth Plan
   1. ProHealth Insurance Policy is a comprehensive, flexible health insurance plan that offers good coverage and care.
   2. The plan offers five variants you can choose according to your needs and requirements.
   3. With over 8500 network hospitals, the plan offers cashless treatment for a sum insured, ranging between ₹ 2.5 lakhs and ₹ 1 crore.
   4. The benefits under the scheme include in-patient hospitalisation, pre and post-hospitalisation, daycare treatments, ambulance cover, etc.
6. Bajaj Allianz’s Health-Guard Plan
   1. The Health-Guard plan from Bajaj Allianz Health Insurance offers several benefits to the policyholders.
   2. With a sum insured from ₹ 1.5 lakhs to ₹ 50 lakhs, you can avail of cashless treatment in 6500+ network hospitals.
   3. The eligibility criteria for adults is 18 to 65 years.
   4. For dependent children, the eligibility criteria are 91 days to 25 years.
   5. Benefits of the plan include pre and post-hospitalisation, in-patient hospitalisation, daily cash benefit, free preventive health check-ups, daycare procedures, etc.
7. Bharti AXA’s Smart Health Insurance
   1. Smart Health Insurance is an individual/floater policy with a sum insured ranging between ₹ 3 lakhs to ₹ 5 lakhs.
   2. The plan offers lifetime renewability, and you can get cashless treatment in its 4300+ network hospitals.
   3. Benefits and coverage under the plan include hospitalisation expenses, pre and post-hospitalisation, daycare treatment, domiciliary expenses, ambulance charges, hospital cash allowance, pre-existing diseases, etc.
8. National Health’s National Parivar Mediclaim Plus
   1. This family floater plan covers all family members under a sum insured up to ₹ 50 lakhs.
   2. The plan offers reimbursement of expenses up to a certain limit or cashless treatment of covered expenses in 6000+ network hospitals.
   3. Coverage benefits under the policy include pre and post-hospitalisation expenses, in-patient hospitalisation, ambulance expenses, modern treatments, daycare procedures, Ayurveda and Homeopathy expenses, etc. 
9. Oriental Health’s Individual Mediclaim Health Plan
   1. Another health insurance plan covering the expenses incurred on lipoma removal includes the Individual Mediclaim Health plan.
   2. The policy term is one year and is available for anyone between 18 and 65 years of age.
   3. You can avail of cashless treatment up to the sum insured, which ranges between ₹ 1 lakh to ₹ 10 lakhs, in more than 4300 network hospitals.
   4. Benefits of the plan include pre and post-hospitalisation, ambulance charges, daily hospital cash allowance, domiciliary hospitalisation, etc.
10. New India Assurance Senior Citizen Mediclaim Policy
    1. This Senior Citizen Mediclaim Policy allows the elderly aged 60 to 80 years to get coverage for diseases and procedures, such as lipoma removal.
    2. Senior citizens can avail of cashless treatment in over 3000 network hospitals for a sum insured between ₹ 1 lakh and ₹ 15 lakhs.
    3. A representative conducts a pre-acceptance medical check-up to determine pre-existing diseases at the customer’s expense.
    4. The benefits of the New India Assurance Senior Citizen Mediclaim Policy include coverage of pre and post-hospitalisation expenses, age-related diseases, pre-existing diseases, emergency ambulance expenses, etc.

You can file a cashless claim for health insurance with lipoma removal if you get treatment in the insurer’s network hospitals. The steps for filing a cashless claim include the following:

1. Inform the insurance provider three days before hospitalisation. 
2. Complete the insurance claim application form provided by the network hospital. 
3. Submit the form, medical bills, and other required documents to the insurance provider. 
4. Once the claim application is approved, the insurer will directly settle the bill with the hospital.

Lipoma removal cost without insurance can range from ₹ 20,000 to ₹ 1,00,000. The average cost of the procedure is about ₹ 60,000.

The cost of the treatment can vary depending on several factors like the size and number of lipomas, the type and location of the hospital, the surgeon’s fee, the technique used for removal, diagnostic tests, complications, etc.

However, with insurance, you would not have to incur expenses related to lipoma treatment. Getting health insurance for lipoma removal can help you get benefits, such as pre and post-hospitalisation expenses, ICU charges, ambulance costs, daycare procedures, cashless treatment, etc.

About 75% of Indians pay for medical and healthcare expenses out of their pocket. Such a large percentage of the Indian population is not covered by any Government or private health insurance plan. Even when they do, does insurance cover lipoma removal and other such surgeries? Although lipoma removal is usually done for cosmetic reasons, it is covered by health insurance under some conditions. 

If you are wondering - “is lipoma surgery covered by insurance in India?” you can contact an expert at HexaHealth for proper guidance. Our team will help you understand the inclusions and exclusions under health insurance policies. Furthermore, we will provide complete insurance assistance, from hassle-free insurance approval to cashless approval facilitation. We will also help you connect with experienced surgeons at top NABH hospitals.

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