Is Lipoma Surgery Covered by Insurance in India?

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Is Lipoma Surgery Covered by Insurance in India?



Updated on April 05, 2024

Medically verified by Dr. Arya

Fact checked by Dr. Pournami

Lipoma Surgery Covered by Insurance in India


6 min read

When looking for treatment for lipomas, a normal concern that emerges is whether insurance covers lipoma extraction.

You'll have heard that insurance companies would not pay for plastic operations since they are not restoratively required. In any case, this run of the show does not apply to all ailments and treatments.

Indeed in spite of the fact that lipomas are regularly harmless and are regularly evacuated for corrective reasons, insurance covers lipoma removal because it could be a symptomatic condition. It enables persons with lipomas to receive appropriate treatment at the top medical facilities at a reasonable cost.

The following blog discusses the many health insurance firms in India that provide lipoma eradication insurance. But first, let's quickly explore what lipoma is and how to treated

Mykare Health blog discusses the many health insurance firms in India that provide lipoma eradication insurance. But first, let's quickly explore what lipoma is and how to treat it.

So, What Exactly are Lipomas?

Lipoma is the most frequent benign fatty tumour found between the skin and the muscle layer beneath. The doughy lump travels beneath the skin under gentle pressure. The tumour is usually benign and not cancerous.

Lipoma is regularly not treated since it could be a kind tumour. In any case, if it causes torment, inconvenience moving, or may be a restorative issue, you'll look for lipoma treatment.

Lipomas can be treated in an assortment of ways, the foremost common being surgical evacuation. The specialist uses surgical instruments to evacuate the tumour from the body forever.

Understanding Coverage:

General Rule: Lipoma surgery can potentially be covered by insurance, but with crucial distinctions.

Medical Necessity: The key figure deciding scope is whether the method is regarded therapeutically essential. This means the surgery aims to address a genuine health concern caused by the lipoma, such as:

  • Pain or restricted movement
  • Rapid growth
  • Suspicion of malignancy (cancerous)

Cosmetic Procedures: Insurance typically excludes coverage for lipoma removal purely for cosmetic reasons (e.g., improving appearance).

Does insurance Cover Lipoma Surgery?

Obtaining insurance for lipomas might be challenging for two main reasons:

  1. Lipoma removal is regularly performed for cosmetic reasons.

  2. Lipomas rarely cause medical concerns and are not regarded as unsafe or dangerous to one's health.

  3. Therefore, it is incorrect to simply assume that lipoma surgery is covered by insurance. An insurance plan from one company may differ from another.

Even under the same insurance company, the coverage may fluctuate depending on the plan.

As a result, it is best to contact your insurance company and inquire about lipoma removal coverage.

Services Covered Under Insurance for Removing Lipoma

Services for lipoma excision differ by insurance provider.

All conventional health insurance plans cover the following basic services:

Hospitalisation Expenses: Insurance covers hospitalisation charges after more than 24 hours of admission, such as room rent, pharmaceutical costs, diagnostic tests, doctor's fees, and so on.

ICU Charges: If you require surgery for treatment, your insurance policy will pay the costs of the Intensive Care Unit (ICU).

Pre and Post-Hospitalisation Charges: Insurance policies reimburse expenses incurred before and after hospitalisation for a set period. These fees include initial consultations, post-discharge follow-ups, and so on.

Ambulance Cost: Lipoma treatment as an emergency (although this is rarely done), your insurance plan will cover the cost of an ambulance.

Day Care Procedures: Insurance pays lipoma treatment costs when a 24-hour hospitalization is not required.

Medical Check-Ups: Most lipoma removal insurance coverage include free preventive health screenings on a regular basis.

Cashless Treatment: At an insurance provider's network hospital, you can receive cashless treatment without having to make financial arrangements.

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Insurance Plans in India for Lipoma Removal

Does insurance cover lipoma removal? Yes, it does. When you purchase a lipoma removal policy from a reputable insurance company, you will receive additional advantages at their network hospitals.

Several Public and private medical centres in India have cooperated with various insurance companies in the country.

The following are some health insurance policies that fully cover lipomas if they meet the requirements:

Aditya Birla’s Active Assure Diamond Plan

  • Active Assure Diamond plan is budget-friendly health insurance with 360-degree protection.

  • With 10051+ network hospitals, the plan offers a sum insured ranging from ₹ 2 lakhs to ₹ 2 crores.

Care Health Insurance’s Health Care Plan

  • Comprehensive health insurance plan that offers financial protection with a sum insured ranging from ₹ 5 lakhs to ₹ 6 crores.

  • With over 16500 network hospitals, the plan offers cashless treatment to individuals and their families in case of medical emergencies.

Niva Bupa’s Companion Individual Health Plan

  • Companion is an all-rounder health insurance plan that protects policyholders from medical expenses.

  • With 5000+ network hospitals, you can avail of a cashless claim facility in just 30 minutes.

Star Health’s Family Health Optima Insurance Plan

  • Family Health Optima Insurance plan can be a good option for lipoma removal surgery.

  • With wide coverage options available, the sum insured ranges between ₹ 1 lakh and ₹ 25 lakhs.

  • The plan offers cashless treatment in more than 14000 network hospitals across India.

Bajaj Allianz’s Health-Guard Plan

  • The Health-Guard plan offers several benefits to the policyholders.

  • With a sum insured from ₹ 1.5 lakhs to ₹ 50 lakhs, you can avail of cashless treatment in 6500+ network hospitals.

Claim Process for Health Insurance with Lipoma Removal

On the off chance that you get lipoma evacuation surgery at one of the insurer's arranged healing centres, you'll record a cashless claim.

  1. Steps for recording a cashless claim incorporate the taking after:

  2. Three days ago, you went to the hospital, inform your insurance provider.

  3. Complete the insurance claim form provided by the network hospital.

  4. Submit the form, medical bills, and other relevant documentation to your insurance company.

  5. After the claim application is endorsed, the insurance provider will settle the charge specifically with the hospital.


1. Will my insurance cover lipoma surgery?

It depends on your specific policy and the purpose of the surgery. Contact your insurance provider directly for clarification. They can explain your coverage details and any requirements for pre-approval.

2. What documents do I need to submit for claiming insurance?

This typically involves a doctor's referral, medical reports mentioning the necessity of surgery, and bills from the hospital/clinic.

3. Are there any out-of-pocket costs included?

Indeed with insurance scope, there may be a co-pay (fixed amount you pay) or a deductible (sum you would like to pay some time recently insurance kicks in).

Key Takeaways

Consult your doctor: Discuss your situation and the need for surgery with your doctor. They can assess the medical necessity and provide a referral if required.

Contact your insurance company: Understand your policy's coverage terms regarding lipoma surgery.

Plan for potential out-of-pocket costs: Be prepared for potential co-pays or deductibles associated with the procedure.

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 a

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