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Is the cost of Laproscopy covered in cashless med insurance

Discussion in 'Fertility & Trying to Conceive' started by saudamini, Apr 14, 2010.

  1. saudamini

    saudamini Bronze IL'ite

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    Hi,

    I am 31 years and am suffering from PCOD. My doc has adviced me to undergo laproscopy (which is i guess most probably diagnostic). But the cost for it is quite high (40K). I wanted to know if any one of the Ladies here underwent Lap and got it covered under the cashless med insurance.

    I have ICICI Lombard cashless insurance, but the company is not ready to give me the list of procedures that are covered under it.

    Thanks in advance

    Saudamini
    TTC for past 3 years
     
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  2. Vasumathy

    Vasumathy Moderator Staff Member IL Hall of Fame

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    Hi Saudamini,
    Welcome to Indus Ladies & to this forum.
    You can find our forum guidelines here...

    I don't think the insurances in India covers infertility treatments. Call those insurance & give a try. Ask them whether they give coverage to infertilty treatments.
    Hope you get answer from them.
    Baby dust to you.
     
  3. rajalakshmigopal

    rajalakshmigopal Gold IL'ite

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    None of the insurance agencies cover fertility treatments.
     
  4. radhaparth2000

    radhaparth2000 Platinum IL'ite

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    Dear Saudamini,

    As RG said none of the insurance agency cover fertility treatment. What lap is this?Is this diagnostic Laproscopy? If it is just diagnostic laproscopy I feel the cost is high. I had Laproscopic mymectomy(had a pendunculated fibroid) and it costed me 12k. I am under treatment with the most fertility specialist in Hyd and she did my Lap herself.My insurance covered the fibroid removal and I paid the diagnostic part from my pocket.
     
    Last edited: Apr 15, 2010
  5. saudamini

    saudamini Bronze IL'ite

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    Dear Radha, RG and Vasu,

    Many thanks for your replies. I had consulted my doctor and she said that the laproscopy is primarily diagnostic, but will also be curative i.e if they find some adhesions in my fallopian tube, they will remove it and may be they may also do ovarian drilling or any other thing that can be treated at that time.

    I have called the insurance agents, but they also are unsure if lap is covered or not. They are not ready to give me the list of diseases and procedures covered under their insurance.

    Yes, Radha the cost is very high. I have to get it done in Rockand Hospital in Delhi (this is where my doc works). In Delhi most of the private hospitals have the cost of lap in this range only. i tried other hosps too, and I am apprehensive of Govt. hospitals. This is the reason why I am trying to get it covered under the insurance.

    The lap is important bcoz the HCG showed beaded appearance of the fallopian tubes and the doc suspects that I mite have genital TB.

    I have fingers crossed for this insurance thing to work out. If any of you also know of a good hospital/ fertility specialist in Delhi, pls let me know.

    Meanwhile pls pray for me as I am dying for that bundle of joy.

    PS: Thanks for all your support. It means a lot :)

    love
    S:bowdown
     
  6. radhaparth2000

    radhaparth2000 Platinum IL'ite

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    Dear Saudamini,

    After your HSG results, your gynec is right in recommending laproscopy. This will help to check the patency of the tubes or remove if any adhesions. Sorry dear, I am not aware of any doctor in Delhi and will not recommend for any govt. Hostpital.If you have enquired and the rate is same, I suggest you get the lap done in the same hospital where your gynaec is working. All the best dear :thumbsup

    For me it was a laproscopic mymectomy so 90% cost was covered in insurance. Carry on with the treatment and you will hold your LO soon.:cheers
     
  7. saudamini

    saudamini Bronze IL'ite

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    Dear Radha,

    Thanks for your suggestion. I tried for insurance but it was denied on the grounds that the lap would be diagnostic (inspite of clarification given by my gynae that it may also be curative). So now, I am going to get the lap done in the same hosp where my gynae works (i.e rockland) and would submit the bills for reimbursement in the insurance (hoping they might reimburse if it is curative).

    The date for lap is scheduled on tuesday, 27th april.

    I have one question though. Tuesday would be my 14th day of cycle and I usually ovulate during 14th-15th day (i.e if and when i ovulate). So I was just curious if the lap is done on those days which are your ovulating days? And should I be ttc before lap and after lap (in case the O occurs on say 16th or 17th day)?

    Please help if anyone has gone through this situation.

    Thanks in advance

    Love
    S
    :confused2:
     
  8. radhaparth2000

    radhaparth2000 Platinum IL'ite

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    Dear,

    Relax during this cycle. My gynec told me to start TTC the next cycle after Lap. Take care and my prayers for your Lap.
     
  9. saudamini

    saudamini Bronze IL'ite

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    Dear Radha,

    Thanks a lot for the info. and the support. IL is such a great support system.

    Just one more question. Were you able to conceive after Lap?

    luv
    S
     
  10. kanthaeikon

    kanthaeikon Gold IL'ite

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    Dear Saudamini

    I will pray for your Lap and Good wishes to conceive soon.
    God Bless you.
    kantha
     

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