Today with rapid growth in healthcare facilities many people are now able to afford good medical services that can help them maintain their quality of life and protect them from any future health risks. One such risk is the knee replacement surgery that many people must go through whether it be old or young generation due to ageing or any unfortunate trauma that causes knee damage. But many times, people have doubts that they can get insurance for knee replacement surgery from their insurance provider. Here we are going to look at why one should get health insurance coverage for knee replacement surgery with their health insurance policy and what are things that they should know before getting knee replacement surgery.

What is Knee Replacement Surgery?

Knee replacement surgery or Arthroplasty is a process through which the knees are surgically repaired to reduce pain and stiffness that one is suffering due to ageing, osteoarthritis, rheumatoid arthritis, ligament tears, and any other cartilage defects. This surgery mainly involves replacing the damaged bones with prosthetics. It has become a very important and prevalent surgery today not only among many old age people but also new younger generations of people that follow a sedentary lifestyle or due to any unfortunate accident that can require them to get a knee replacement surgery. Hence people need to get health insurance coverage for knee replacement surgery included in their health insurance policy as one can never know when they might need it.

What is the Cost of Knee Replacement Surgery?

Knee replacement surgery can cost anywhere in the range of ₹75000 to ₹4 lakhs but can also vary with various factors like the hospital where one is getting their knee replacement surgery, any other pre-existing condition, and any additional hospital expenses. The following are the various things that can affect the cost of knee replacement surgery that one needs to consider:

  • Cost of implants or prosthetics.
  • Hospital stays duration.
  • Post-follow charges.
  • Physiotherapy.
  • Transportation cost if any.
  • Medical checkups and tests.

Therefore, one needs to have a health insurance policy that covers knee replacement surgery and protects them from any financial losses or burdens.

Reason For Opting For Health Insurance Coverage For Knee Replacement Surgery

Having a health insurance policy that can cover knee replacement surgery can be very crucial especially when one is old and is at risk of various joint or bone issues but also young people who have a poor lifestyle or have gotten into an unfortunate accident that can require knee replacement surgery. The following are the various reasons for getting health insurance coverage for knee replacement surgery:

Cashless Treatment

A health insurance policy can help one avoid paying any charges or hospital bills that they might have to bear for knee replacement surgery by going to a network hospital. The insurance provider will directly settle the amount with the network hospital.

Total Coverage for the Pre- and Post-Treatment

By getting a comprehensive health insurance policy one can get coverage for all the pre- and post-treatment charges. They can also get in-patient hospitalisation charges covered.

Things To Consider Before Getting A Health Insurance Policy For Knee Replacement Surgery

The following are the various things that one should keep in mind when getting knee replacement surgery:

Waiting Period

One should always make sure to check for the waiting period before getting their health insurance policy for knee replacement as many insurance providers tend to give the knee replacement surgery coverage to the policyholder only after a certain period. Hence, one should always opt for a shorter waiting period.

Coverage Limit

By making sure to check their coverage limit one can avoid getting low coverage for their knee replacement surgery. Hence, one should always do their research and get the health insurance policy that provides the maximum coverage.


Today not only old people but also many young people are suffering from a bad knee that has been causing them pain and stiffness due to ageing, a sedentary lifestyle, or due to any unfortunate accident. But one can now easily protect themselves by getting a comprehensive health insurance policy with health insurance coverage for knee replacement surgery. This can not only help them avoid financial losses but also any hospital expenses which may come with knee replacement surgery. Now, one can easily get a comprehensive health insurance policy online in just a few steps from Quickinsure by visiting the official website and comparing various available plans and getting the one that meets their needs.

FAQs - Frequently Asked Questions

Q1. Does knee replacement coverage increase the cost of the premium of a health insurance policy?

Yes, as knee replacement surgery cost is higher in the market the insurance premium for that coverage also increases.

Q2. What does one mean by TKR in health insurance policy?

TKR stands for Total Knee Replacement also known as Total knee Arthroplasty in health insurance policy and medical terms. It is usually a process through which one knee is surgically removed and replaced with a prosthetic.

Q3. What is the waiting period for getting a knee replacement surgery cover?

It can range from 2 years to 4 years after one gets their health insurance policy or can be based on the insurance provider policy and market trends. But it is always advised to get a shorter waiting period policy.

Q4. What types of knee replacement surgery are there?

The main types of knee replacement surgery include Total knee replacement, Partial knee replacement, and Bilateral knee replacement.


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