Cost of Total Knee Replacement Surgery (TKR) in India

The average cost of total knee replacement (TKR) surgery can vary depending on a number of factors. However, the average cost of TKR surgery ranges between INR 1,31,250 to INR 2,00,000. This cost typically includes the surgical procedure, hospital stay, surgeon's fees, anesthesia, and basic post-operative care.
It's important to note that the cost can vary significantly based on the factors mentioned earlier, such as the location, hospital/clinic, surgeon's expertise, type of implant used, additional services, and other miscellaneous expenses. It is advisable to consult with multiple hospitals and clinics to get accurate and up-to-date cost estimates based on your specific requirements.

Whether insurance covers total knee replacement (TKR) surgery depends on your specific health insurance policy. Many health insurance plans provide coverage for TKR surgery, but the extent of coverage can vary.

• Pre-authorization: In most cases, you will need to obtain pre-authorization from your insurance provider before undergoing TKR surgery (submitting relevant medical documents and obtaining approval from the insurance company).
• Coverage limits: Health insurance policies often have coverage limits or a maximum sum insured for specific procedures. The coverage provided may be subject to these limits, and any expenses beyond that would need to be borne by the patient.
• Waiting periods: Some health insurance policies have waiting periods, which means you may need to wait for a specific duration from the start of the policy before becoming eligible for coverage.
• Deductibles and co-payments: These are the amounts the insured person needs to pay out of pocket before the insurance coverage kicks in. Insurance policies may have these costs and these can vary.
• Network hospitals: Insurance providers often have a network of empaneled hospitals. If you choose a hospital within the network, you may be eligible for cashless hospitalization, where the insurance company settles the bills directly with the hospital. However, if you choose a non-network hospital, you may need to pay the expenses upfront and later seek reimbursement from the insurance company.

Carefully review your health insurance policy documents and do contact your insurance provider.