Does Insurance Cover Weight Loss Surgery?

Will Insurance Cover My Bariatric Surgery?

Deciding to undergo bariatric surgery is a significant step for those struggling with obesity and related health issues. One major concern for many patients is whether their insurance will cover the cost of the procedure.

In this blog, we will discuss the critical factors determining insurance coverage for bariatric surgery and how you can navigate this process.

Bariatric Surgery and Insurance

Many patients are unaware that bariatric surgery may be covered under their insurance. Following the recent IRDA guidelines in 2019, bariatric surgery coverage has become more accessible. However, there are specific norms that vary from company to company. 

According to the IRDA uniform guidelines, if a patient’s BMI is above 40 and they have health-related challenges such as diabetes, heart issues, or obstructive sleep apnea, their bariatric surgery may be covered.

For patients who have held insurance for over five years and are struggling with obesity, they should take advantage of this potential benefit and explore the option of bariatric surgery. Many healthcare providers, including ours, are helping patients undergo bariatric surgery and get approval from insurance companies.

It’s crucial to note that some patients with recent insurance policies may face limitations in their coverage. Some insurance providers cover bariatric surgery, while others explicitly state that it is not included. Therefore, it is essential to check your insurance provider’s norms when purchasing a policy or considering bariatric surgery.

Patients with insurance policies older than three years, a high BMI, and related health issues have a higher chance of obtaining approval for their claim.

Also, Read- Bariatric Surgery and its types

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Navigating the Insurance Process

To ensure a smooth insurance process, follow these steps:

  • Review your insurance policy: Carefully examine your policy documents to determine if bariatric surgery is covered and under what conditions. If the information is unclear, contact your insurance provider for clarification.
  • Obtain pre-authorization: Before undergoing surgery, your weight loss surgeon in Pune will likely need to obtain pre-authorization from your insurance company. This step is crucial in confirming that your insurer will cover the procedure.
  • Gather supporting documentation: Insurance companies may require medical records, diagnostic tests, or letters from healthcare professionals to establish the medical necessity of bariatric surgery. Be prepared to provide this information.
  • Understand your out-of-pocket expenses: Even if your insurance covers bariatric surgery, you may still be responsible for deductibles, co-pays, or co-insurance. Ensure you have a clear understanding of your financial obligations.
  • Explore alternative financing options: If your insurance doesn’t cover bariatric surgery, or you have significant out-of-pocket expenses, consider alternative financing options such as medical loans or payment plans offered by your healthcare provider.

Also, Read- Bariatric Surgery Cost In Pune


Bariatric surgery can be life-changing for those dealing with obesity and related health challenges. Understanding your insurance coverage and navigating the approval process is a crucial step in making this procedure more accessible. 

If you need further assistance or have questions about insurance coverage for bariatric surgery, don’t hesitate to reach out to your Bariatric Surgeon in Pune or insurance company for guidance.