{"id":5363,"date":"2025-08-30T15:34:43","date_gmt":"2025-08-30T10:04:43","guid":{"rendered":"http:\/\/www.insurancesamadhan.com\/blog\/?p=5363"},"modified":"2025-09-18T10:39:22","modified_gmt":"2025-09-18T05:09:22","slug":"know-about-modern-therapy-coverages-in-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/","title":{"rendered":"Know About Modern Therapy Coverages in Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#What_Exactly_Are_Modern_Therapies\" >What Exactly Are Modern Therapies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#The_Insurance_Revolution_IRDAIs_Game-Changing_Decision\" >The Insurance Revolution: IRDAI&#8217;s Game-Changing Decision<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#The_List_Of_10_Modern_Treatments_Your_Insurance_Must_Cover\" >The List Of 10 Modern Treatments Your Insurance Must Cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#What_You_Need_to_Watch_Out_For\" >What You Need to Watch Out For<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#Making_Smart_Insurance_Choices\" >Making Smart Insurance Choices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#Your_Health_Your_Future\" >Your Health, Your Future<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Healthcare is changing faster than ever. Treatments that once sounded like they only happen in science fiction stories like robotic surgeries, gene therapy, even precision cancer treatments are now real options for patients. But the catch is that they often come with huge bills. That\u2019s where insurance becomes so very important. Recent insurance regulations have brought modern therapies into mainstream <\/span><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/understanding-the-different-types-of-medical-claims-in-health-insurance\/\"><b>medical claim<\/b><\/a><span style=\"font-weight: 400;\"> plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Insurance Samadhan, we understand how overwhelming it can be to navigate modern healthcare with the costs and specifications it comes with. Let&#8217;s break down everything you need to know about modern therapy coverage so you can make informed decisions about your health insurance.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-5364 size-full\" src=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1.jpg\" alt=\"Know About Modern Therapy Coverages in Insurance - 2\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Exactly_Are_Modern_Therapies\"><\/span><b>What Exactly Are Modern Therapies?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When we talk about modern therapies, we\u2019re not just referring to routine treatments or the usual medicines. These are the breakthroughs of medical science, the kind of treatments that sound futuristic but are already saving lives today. Think robotic surgeries where machines help doctors operate with incredible precision, or stem cell therapy that uses your body\u2019s own healing cells to repair damage. There\u2019s also gene therapy, AI-driven procedures, and other cutting-edge technologies changing the way diseases are treated.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What makes them so special? They\u2019re often less invasive, which means smaller cuts, less pain, and quicker recovery. In many cases, patients spend fewer days in the hospital and get back to normal life faster. Most importantly, these therapies often deliver better outcomes than traditional treatments. Of course, all this innovation comes at a high cost but that\u2019s exactly why understanding your insurance coverage is so important.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Insurance_Revolution_IRDAIs_Game-Changing_Decision\"><\/span><b>The Insurance Revolution: IRDAI&#8217;s Game-Changing Decision<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In 2019, the Insurance Regulatory and Development Authority of India (IRDAI) made a landmark decision that changed the insurance landscape forever. They mandated that all health insurance companies must cover 12 specific modern treatments under what&#8217;s called the &#8220;Modern Treatment Benefit.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means you&#8217;re no longer left to fend for yourself when you need advanced medical care. Your insurance policy is required to cover not just the procedure itself, but also related expenses like hospitalisation, pre and post-treatment care, daycare procedures, and even home-based care when applicable.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_List_Of_10_Modern_Treatments_Your_Insurance_Must_Cover\"><\/span><b>The List Of 10 Modern Treatments Your Insurance Must Cover<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let&#8217;s walk through the treatments that your insurance policy is legally required to cover:<\/span><\/p>\n<p><b>1. Cancer-Fighting Technologies<\/b><span style=\"font-weight: 400;\">: Immunotherapy harnesses your body&#8217;s own immune system to fight cancer cells more effectively. Oral chemotherapy allows you to take cancer-fighting medications at home in pill form, giving you more comfort and flexibility during treatment.<\/span><\/p>\n<p><b>2. Vision-Saving Procedures<\/b><span style=\"font-weight: 400;\">: Intra vitreal injections that deliver medication directly into your eye to treat serious retinal conditions like macular degeneration and diabetic retinopathy.<\/span><\/p>\n<p><b>3. Regenerative Medicine<\/b><span style=\"font-weight: 400;\">: Stem cell therapy uses your body&#8217;s own healing cells to repair damaged tissues, offering hope for conditions like Parkinson&#8217;s disease and heart problems.<\/span><\/p>\n<p><b>4. Precision Surgery<\/b><span style=\"font-weight: 400;\">: Robotic surgeries give your surgeon superhuman precision through computer-assisted technology, resulting in smaller incisions and faster recovery.<\/span><\/p>\n<p><b>5. Brain and Neurological Treatments<\/b><span style=\"font-weight: 400;\">: Stereotactic radiosurgery targets brain tumors with pinpoint accuracy without making any incisions. Deep brain stimulation involves implanting a device that sends electrical signals to specific brain areas, effectively managing conditions like Parkinson&#8217;s disease.<\/span><\/p>\n<p><b>6. Respiratory Relief<\/b><span style=\"font-weight: 400;\">: Bronchial thermoplasty uses controlled heat to reduce muscle around your airways, providing significant relief for severe asthma patients.<\/span><\/p>\n<p><b>7. Women&#8217;s Health Solutions<\/b><span style=\"font-weight: 400;\">: Uterine artery embolization and HIFU offer minimally invasive alternatives to traditional surgery for treating fibroids.<\/span><\/p>\n<p><b>8. Surgical Safety<\/b><span style=\"font-weight: 400;\">: Intraoperative neuro monitoring acts like a safety net during complex surgeries, continuously monitoring your nervous system to prevent nerve damage.<\/span><\/p>\n<p><b>9. Sinus Solutions<\/b><span style=\"font-weight: 400;\">: Balloon sinuplasty opens blocked sinuses using a small balloon, providing relief from chronic sinusitis without traditional surgery.<\/span><\/p>\n<p><b>10. Men&#8217;s Health<\/b><span style=\"font-weight: 400;\">: Vaporisation of the prostate uses laser technology to treat enlarged prostate with minimal bleeding and faster recovery.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_You_Need_to_Watch_Out_For\"><\/span><b>What You Need to Watch Out For<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While we&#8217;re thrilled that these treatments are covered, you need to be aware of some important details that could affect your out-of-pocket expenses.<\/span><\/p>\n<p><b>1. Sub-limits Can Catch You Off-Guard<\/b><span style=\"font-weight: 400;\">: Some insurance policies place caps on how much they&#8217;ll pay for specific modern treatments. For example, your <\/span><a href=\"https:\/\/www.insurancesamadhan.com\/health-claim-reimbursement\"><b>medical claim insurance<\/b><\/a><span style=\"font-weight: 400;\"> policy might cover only 25% or 50% of your total sum insured for certain procedures. We always advise our clients to carefully review these sub-limits before purchasing a policy.<\/span><\/p>\n<p><b>2. Waiting Periods Still Apply<\/b><span style=\"font-weight: 400;\">: You&#8217;ll typically face a 30-day waiting period after buying your policy before you can claim for any treatment. If you have pre-existing conditions, this waiting period can extend to 2-4 years depending on your insurer and the specific condition.<\/span><\/p>\n<p><b>3. Doctor&#8217;s Orders Are Essential<\/b><span style=\"font-weight: 400;\">: Your insurance will only cover these treatments if they&#8217;re medically necessary and prescribed by a qualified medical practitioner. You&#8217;ll need written documentation proving the treatment is essential for your condition.<\/span><\/p>\n<p><b>4. Policy Fine Print Matters<\/b><span style=\"font-weight: 400;\">: Always check for additional conditions like co-payment requirements, room rent limits, and other exclusions that might affect your coverage.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Making_Smart_Insurance_Choices\"><\/span><b>Making Smart Insurance Choices<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When selecting a health insurance policy, don&#8217;t just look at the premium cost. Consider the comprehensive coverage, especially for modern treatments. Look for policies with minimal or no sub-limits on advanced procedures.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We recommend discussing your family&#8217;s medical history and potential future health risks with our insurance experts. This helps you choose a policy that truly protects you when you need cutting-edge medical care.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Your_Health_Your_Future\"><\/span><b>Your Health, Your Future<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Medical science continues advancing at breakneck speed. New treatments and technologies emerge regularly, offering hope for conditions that seemed hopeless just years ago. By choosing the right insurance coverage today, you&#8217;re investing in access to tomorrow&#8217;s medical breakthroughs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, your health insurance isn&#8217;t just about covering routine medical expenses, it&#8217;s about ensuring you have access to life-saving treatments when you need them most. At Insurance Samadhan, we&#8217;re here to help you navigate the medical claim process and fight any unfair <\/span><a href=\"https:\/\/www.insurancesamadhan.com\/claim-rejection\"><b>claim rejection<\/b><\/a><span style=\"font-weight: 400;\"> that comes on the back of a modern treatment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Don&#8217;t wait until you need these treatments to discover whether your insurance covers them. Know your current policy with our Polifyx app, understand its modern treatment benefits, and upgrade if necessary. Your future self will thank you for making this smart decision today.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here to register your complaint with Insurance Samadhan<\/strong><\/a><\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\"><br \/>\n{<br \/>\n  \"@context\": \"https:\/\/schema.org\/\",<br \/>\n  \"@type\": \"Article\",<br \/>\n  \"mainEntityOfPage\": {<br \/>\n    \"@type\": \"WebPage\",<br \/>\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/\"<br \/>\n  },<br \/>\n  \"headline\": \"Know About Modern Therapy Coverages in Insurance<br \/>\n\",<br \/>\n  \"description\": Understand IRDAI-mandated modern therapy coverage in health insurance, including robotic surgery, stem cell therapy, and cancer treatments.<br \/>\n\",<br \/>\n  \"image\": {<br \/>\n    \"@type\": \"ImageObject\",<br \/>\n    \"url\": \"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog6-1-1536x864.jpg,<br \/>\n    \"width\": 1920,<br \/>\n    \"height\": 1080<br \/>\n  },<br \/>\n  \"author\": {<br \/>\n    \"@type\": \"Person\",<br \/>\n    \"name\": \"Insurance Samadhan\"<br \/>\n  },<br \/>\n  \"publisher\": {<br \/>\n    \"@type\": \"Organization\",<br \/>\n    \"name\": \"Insurance Samadhan\",<br \/>\n    \"logo\": {<br \/>\n      \"@type\": \"ImageObject\",<br \/>\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",<br \/>\n      \"width\": 224,<br \/>\n      \"height\": 47<br \/>\n    }<br \/>\n  },<br \/>\n  \"datePublished\": \"2025-8-30\",<br \/>\n  \"dateModified\": \"2025-8-30\"<br \/>\n}<br \/>\n<\/script><\/p>\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-d34fd7bf uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-06588a12 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is FAQ?<\/span><\/div><div class=\"uagb-faq-content\"><p>Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-be81fa14 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is FAQ?<\/span><\/div><div class=\"uagb-faq-content\"><p>Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.<\/p><\/div><\/div><\/div>\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-eef71c56 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-2f83d57e \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is FAQ?<\/span><\/div><div class=\"uagb-faq-content\"><p>Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-d0d1df18 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is FAQ?<\/span><\/div><div class=\"uagb-faq-content\"><p>Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.<\/p><\/div><\/div><\/div>\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-8f2d2b58 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-01f69c12 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is FAQ?<\/span><\/div><div class=\"uagb-faq-content\"><p>Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-e92fc16c \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is FAQ?<\/span><\/div><div class=\"uagb-faq-content\"><p>Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.<\/p><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758106507413\"><strong class=\"schema-faq-question\"><strong>What are modern therapies covered under health insurance in India?<\/strong><\/strong> <p class=\"schema-faq-answer\">Modern therapies include advanced medical treatments such as robotic surgeries, stem cell therapy, gene therapy, immunotherapy for cancer, intra vitreal injections, stereotactic radiosurgery, and more. Since 2019, IRDAI has mandated that health insurance policies must cover 12 specified modern treatments under the \u201cModern Treatment Benefit.\u201d<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758106531156\"><strong class=\"schema-faq-question\"><strong>Does every health insurance policy cover robotic surgery and stem cell therapy?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, as per IRDAI regulations, all standard health insurance policies must cover robotic surgery, stem cell therapy, and other listed modern treatments. However, some insurers may impose sub-limits, waiting periods, or co-payment clauses, so it\u2019s important to check your policy details before relying on coverage.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758106554995\"><strong class=\"schema-faq-question\"><strong>Are there sub-limits for modern treatment coverage in health insurance?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, many insurance companies place sub-limits on modern therapies. For example, some policies may only cover up to 25\u201350% of your total sum insured for treatments like robotic surgery or stem cell therapy. Always review the policy fine print to avoid unexpected out-of-pocket expenses.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758106572394\"><strong class=\"schema-faq-question\"><strong>Is immunotherapy for cancer covered under health insurance?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, immunotherapy, which uses the body\u2019s immune system to fight cancer, is covered under health insurance in India as per IRDAI\u2019s 2019 mandate. Policies must include this modern therapy, but patients should check for restrictions like waiting periods, sub-limits, or room rent caps.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758106593626\"><strong class=\"schema-faq-question\"><strong>What should I check in my policy before claiming modern therapy coverage?<\/strong><\/strong> <p class=\"schema-faq-answer\">Before claiming, check for:<br\/>1. Waiting period for pre-existing conditions<br\/>2. Sub-limits on specific modern treatments<br\/>3. Co-payment clauses<br\/>4. Room rent restrictions<br\/>5. Medical necessity certification by a qualified doctor<br\/><br\/>At Insurance Samadhan, we can help you review these details through the \u201cKnow Your Policy\u201d feature of our Polifyx app.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Healthcare is changing faster than ever. Treatments that once sounded like they only happen in science fiction stories like robotic surgeries, gene therapy, even precision cancer treatments are now real options for patients. But the catch is that they&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":5365,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[358,391,310,410],"tags":[],"class_list":["post-5363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-claim-rejection","category-insurance","category-irdai","category-medical-claim"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Know About Modern Therapy Coverages in Insurance - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Understand IRDAI-mandated modern therapy coverage in health insurance, including robotic surgery, stem cell therapy, and cancer treatments.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Know About Modern Therapy Coverages in Insurance - 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However, some insurers may impose sub-limits, waiting periods, or co-payment clauses, so it\u2019s important to check your policy details before relying on coverage.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#faq-question-1758106554995","position":3,"url":"http:\/\/www.insurancesamadhan.com\/blog\/know-about-modern-therapy-coverages-in-insurance\/#faq-question-1758106554995","name":"Are there sub-limits for modern treatment coverage in health insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, many insurance companies place sub-limits on modern therapies. For example, some policies may only cover up to 25\u201350% of your total sum insured for treatments like robotic surgery or stem cell therapy. 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Treatments that once sounded like they only happen in science fiction stories like robotic surgeries, gene therapy, even precision cancer treatments are now real options for patients. But the catch is that they&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/5363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=5363"}],"version-history":[{"count":6,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/5363\/revisions"}],"predecessor-version":[{"id":5554,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/5363\/revisions\/5554"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/5365"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=5363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=5363"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=5363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}