Quick Answer
Yes. Hernia surgery is covered by all major health insurance policies in India including Star Health, HDFC Ergo, ICICI Lombard, and Bajaj Allianz. Cashless treatment is available at most network hospitals. MySurgery handles all insurance paperwork.
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Hernia Surgery and Health Insurance in India — Complete Guide
One of the most common concerns for hernia patients is whether their health insurance will cover the surgery. Here is everything you need to know.
Is Hernia Surgery Covered by Health Insurance?
Yes. Hernia repair (both laparoscopic and open) is a standard surgical procedure covered by all major health insurance policies in India. There is no exclusion for hernia surgery in standard health insurance policies.
Which Insurance Companies Cover Hernia Surgery?
Star Health Insurance — covers laparoscopic and open hernia repair under all plans. HDFC Ergo — covers hernia surgery with prior approval. ICICI Lombard — covers all types of hernia repair. Bajaj Allianz — covers hernia surgery at network hospitals. Care Health Insurance — covers hernia surgery under standard plans. New India Assurance — covers hernia repair. CGHS — covers hernia surgery for government employees. ESI — covers hernia for ESI beneficiaries.
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Call MySurgery at 8588967050 or WhatsApp us for a free consultation with an experienced hernia surgeon in your city. Callback within 30 minutes.
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Waiting Period for Hernia Surgery
Most standard health insurance policies have a 2-year waiting period for hernia surgery. This means if your policy is less than 2 years old, hernia surgery may not be covered. After 2 years, most policies cover hernia fully.
Check your specific policy document. Some premium plans have a shorter waiting period of 1 year or no waiting period.
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Dr. Arun Prasad (MS General Surgery, FMAS, FIAGES) — 35 years of experience — practices at Apollo Hospitals Delhi, Delhi. Call MySurgery at 8588967050 to book a consultation.
How to Get Cashless Hernia Surgery
Step 1: Check that your hospital is in your insurer's network. MySurgery only works with hospitals on major insurance networks.
Step 2: Get a surgeon's recommendation letter with diagnosis code.
Step 3: MySurgery submits pre-authorisation to your insurance company on your behalf.
Step 4: Insurance company approves the cashless request (usually within 4 to 8 hours).
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Step 5: You undergo surgery with zero out-of-pocket payment at the hospital.
Call MySurgery at 8588967050 or WhatsApp us for a free consultation with an experienced hernia surgeon in your city. Callback within 30 minutes.
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What Is Typically NOT Covered
Charges above the insured amount. Room rent beyond policy limits (difference between standard and premium rooms). Implant costs above the policy sub-limit. Consumables in some policies (post-2019 IRDAI regulations have limited exclusion of consumables).
MySurgery's insurance team handles all pre-authorisation and cashless claims at partner hospitals at no extra charge. Call 8588967050 for insurance guidance.
Free Consultation
Have questions about Hernia Surgery?
Enter your phone number — a specialist calls you back in 30 minutes. Free, no commitment.
🔒 Confidential · No spam · 10,000+ patients helped
Call MySurgery at 8588967050 or WhatsApp us for a free consultation with an experienced hernia surgeon in your city. Callback within 30 minutes.
Book Free Consultation: mysurgery.in/contact | WhatsApp: wa.me/918588967050
Dr. Arun Prasad
MS General Surgery, FMAS, FIAGES, 35 years experience, Apollo Hospitals Delhi Delhi
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