Thinking about getting knee replacement surgery in India? Individuals facing persistent knee discomfort, choosing this procedure could determine whether you experience discomfort or lead a painful lifestyle. Let's explore the types, and factors affecting knee replacement costs in India, and financing options that become crucial in making an informed decision about undergoing this transformative surgery.
What is Knee Replacement Surgery?
Knee replacement surgery, alternatively referred to as knee arthroplasty, requires replacing a damaged joint with a one. If you're dealing with arthritis or any other knee issue, this procedure can strengthen your mobility and reduce discomfort.
The primary types of knee replacement surgery are:
Total Knee Replacement Surgery: Implanting artificial components to replace the entire knee joint.
Partial Knee Replacement Surgery: This surgery involves replacing a partial section of the damaged area found in your knee joint. This area is about one-fourth of the area.
Knee surgery cost depends on many factors. Here's a rough estimate of what it may cost you:
Type of Knee Replacement Surgery
Approximate Cost (INR)
Partial Knee Replacement
Rs1,50,000 - Rs 2,50,000
Total Knee Replacement
Rs 2,00,000 - Rs 4,50,000
Bilateral Knee Replacement
Rs 4,00,000 - Rs 6,50,000
Note: Knee Replacement Surgery costs depend on procedure complexity, hospital fees, and recovery needs. Consult with healthcare providers for detailed cost estimates.
Factors Affecting Knee Replacement Surgery Costs
Here are the elements that play a role, in determining the expenses associated with knee replacement surgery in India;
Procedure Type: The overall cost for a knee replacement is higher compared to a partial one.
Hospital Category: Public hospitals tend to be more budget friendly than facilities.
Location Factors: The city and specific hospital setting can influence the expenses.
Surgeons Expertise: Experienced surgeons typically command fees for their skills.
Implant Variation: Utilising materials like high flex bearings can lead to increased costs.
Pre Surgery Tests and Medications: tests or medications to the operation may add to your total expenses.
Post Operative Care: There might be charges for surgery, physiotherapy and rehabilitation sessions.
Does Health Insurance Cover Knee Replacement Surgery Costs in India?
Most insurance plans, in India typically include coverage for knee replacement surgery expenses. There are a couple of factors to bear in mind. Firstly it's essential to review your policy documents to confirm whether knee replacement is within the coverage. There may be a waiting period of 2 to 4 years before you become eligible for the surgery. Additionally, certain plans might have limits, on the amount they cover which could result in you needing to pay some costs out of pocket (in the form of an co pay). It is recommended to communicate with your insurance provider and understand precisely what expenses are covered before proceeding with scheduling the surgery.
How to Take Care of Your Knee After Having a Replacement Surgery?
Undergoing a knee replacement is a procedure. With proper post-operative care, the recovery process can be smoother and less painful. Here are some key aspects to consider;
Physical Therapy: It's crucial for rebuilding strength, flexibility, and mobility in your knee. Engaging in physiotherapy is essential for recovery.
Using Ice and Elevating: Regularly applying ice packs and keeping your knee elevated can help reduce swelling and alleviate discomfort.
Resting and Healing: Give yourself time to rest and allow your body to heal naturally. Avoid activities. Consult your doctor regarding when you can resume normal daily routines.
Health Insurance: Most health insurance plans in India support knee replacement.
Medical Loans: A few financial institutions provide medical loans for surgical procedures.
Personal Loans: You can opt for a personal loan to fund the surgery at attractive interest rates.
Government Schemes: There are various assistance options available in terms of government-sponsored healthcare facilities based on income levels and location.
How to Apply for a Personal Loan for Knee Replacement Surgery?
Applying for a personal loan for knee replacement surgery is very easy. Follow these steps to apply for a personal loan for knee replacement surgery:
Enter a few necessary details like your personal, professional, employment, and financial information.
Scan and upload the required documents, including your identity, address, and income proofs.
Get approval with a loan offer after the verification.
Accept the loan offer to initiate the disbursal process.
Conclusion
Knee replacement surgery may provide you with a better quality of life. As you are now aware of the cost, you can explore ways to finance the surgery and make an informed decision regarding this procedure.
If you're looking for a way to fund your knee replacement surgery without disturbing your savings, then apply for a personal loan with Hero Fincorp today.
Frequently Asked Questions About Knee Replacement Surgery
1. What is the best age for knee replacement surgery?
There is no best age (it all depends on your particular circumstances). It is usually recommended for individuals with severe knee pain that affects their quality of life after conservative treatments do not work.
2. How painful is a knee replacement?
Pain after surgery is normal, but medications can help with pain management. Rehabilitation is a major factor in the treatment of pain and mobility.
3. What age is good for knee replacement?
Age doesn't matter; health and how much pain you're facing matter. Ask an orthopedic surgeon if you could be a candidate.
4. What is pre-op for total knee replacement?
This may involve having X-rays and blood tests done and speaking to your surgeon or anesthesiologist before surgery. It may include pre-surgery physical therapy to build muscle strength.
5. Is knee replacement surgery high risk?
As with any surgical procedure, there are some risks. Modern surgical advancements have reduced these risks. If you are experiencing any kind of anomaly, please contact your doctor.
Disclaimer: The information provided in this blog post is intended for informational purposes only. The content is based on research and opinions available at the time of writing. While we strive to ensure accuracy, we do not claim to be exhaustive or definitive. Readers are advised to independently verify any details mentioned here, such as specifications, features, and availability, before making any purchasing decisions. Hero FinCorp does not take responsibility for any discrepancies, inaccuracies, or changes that may occur after the publication of this blog. The choice to rely on the information presented herein is at the reader's discretion, and we recommend consulting official sources and experts for the most up-to-date and accurate information about the featured products.
Katyaini is a finance expert with a focus on the non-banking financial sector, bringing over 8 years of experience in NBFC. She specializes in simplifying complex financial concepts for readers, helping them navigate the NBFC landscape. Outside of work, she is passionate about travelling.
