Introduction
Hair is an indispensable part of the overall appearance, which largely impacts a person’s dignity and first impressions. You would have experienced hair fall a lot of time and losing 60-100 is pretty normal but if you see clumps of strands your heart jumps out, isn’t that?
The condition is more prevalent in men between the ages of 30 to 50 with as many as around 58 % of males shown to be balding (graphic representation) but now even women are staring at similar predicaments factors such as pollution and unhealthy lifestyles have added onto stress led demand for hair transplant.
It has become all too common for men to get hair plugs and other types of surgery or more natural remedies, while many women buy cosplay wigs. Yet these treatments can come at a high cost, leaving some individuals wondering if health insurance will cover the procedures.
The following article examines the causes of hair loss and discusses some solutions. By reading this article, you will get an answer to your question “Is hair transplant covered by insurance?”
Table of Contents
Reasons for Hair Loss
Hair loss can be due to multiple reasons, it is very important to find out the underlying cause of hair fall for proper treatment. Some common causes of hair loss include;
Insufficient Nutrition:
Just as how your body needs the right nutrients, the same goes for hair which remains healthy with frequent nutrition. Using the products that best suit your hair type as well is vital to prevent this kind of damage and always wash your bit regularly
Improper Hair Care:
Hair is a sensitive material that needs not only extra care but also protection. If you consider it, that is simply an incredible treatment for keeping hair conditioned and strong.
Over Use of Hair Cosmetics:
Most people use hair cosmetics and chemicals without knowing how to properly take advantage of these chemicals believing it is going to help grow their hair again. However abusing the use of products as those can indicate more hair loss, as harsh chemicals can damage hair follicles.
Hereditary Hair Loss:
Heredity has the leading role in hair loss. In such cases, hair loss prevention is difficult and often involves expensive treatment.
Long-Term Medication:
Some medicines may bring hair fall effects as side effects. This type of Hair loss is usually temporary, though that does not mean you can ignore it and do nothing about it.
Bad Eating Habit:
Having oily and spicy food mongering regularly will have an impact on the health of your hair, as poor nutrition can directly damage the scalp - and everything around it.
Diet and Sleep Patterns:
Three large problems of today which can't be overemphasised are Fast Food, Poor Diet, and Insufficient/restless sleep in both situations leading to Hair Loss. Furthermore, a stressful lifestyle also affects hair adversely.
PRICE: Hair treatment and hair transplantation
However expensive hair fall treatments can be and prices vary based on the type of procedures used for stunting hair loss to how spread the causes headlines are.
Hair loss options are also inclusive of nonprescription and prescription drugs, natural remedies, as well as procedures. Out of this, the more permanent solution that most people opt for is hair transplantation for severe baldness.
Hair transplant cost is mainly calculated on grafts required in India. The grafts are priced according to the number of them in cosmetic surgery, which generally costs between ₹25-45 for every follicle.
On average, a hair transplant surgery lasts for several days and can include 2,000 to up to 4,600 grafts due to whether or not the scalp is free of soft tissue scarring. Therefore, the total cost of the procedure can range from thousands to lakhs of rupees.
Additionally, there are other associated costs, such as post-transplant care and follow-up treatments, which can further increase the overall expense.
Is hair transplant covered by insurance?
Now, let’s cover the main topic “Is hair transplant covered by insurance”.As surgical hair restoration, like any baldness treatment in Istanbul will end up being expensive, a common question is if this kind of health care insurance plan does guide with the expenditure.
The unfortunate answer is no: very few health insurance plans will pay for hair loss treatments or transplants.
The reason for this is, that hair transplants are classed as cosmetic surgery and aren’t considered medically necessary. Treatments & Procedures Insurance includes Surgeries, Hospitalizations | Major Critical Illness Treatment (Usually Only to Save Lives) Health insurance typically covers procedures that are considered medically necessary, whereas hair transplants are done to improve someone’s appearance.
How to Fund Your Hair Transplant
Even though health insurance typically does not cover the cost of hair transplants, there are other answers to help control costs. One can get Hair transplant at a low cost in India as some banks and financial institutions provide easy EMI options for hair transplants where you could pay it over time.
HDFC Bank Easy EMI Option for Hair Transplant Surgery:
HDFC Bank- Easy EMI of hair transplant surgeries via Debit Card, Credit Card and Consumer Loans. This option provides an individual with the opportunity to have a hair transplant without having to go through a financial breakdown. Debit Card EMI comes with a flexible payment tenure ranging from 3 to 36 months, and no extra documentation is required.
Debit Card EMI: All HDFC Bank Debit card holders are eligible and come with pre-approved limits.
Credit Card EMI: HDFC Bank Credit Card holders can avail of the facility without any down payment- with immediate fund availability.
Consumer Loans: Consumer durable loans for hair transplants are offered by HDFC Bank, ranging from ₹10,000 up to ₹15 lakhs, depending on the product type.
EMI Facility for Hair Restoration and Cosmetic Surgery with Bajaj Finserv
With the Digital Health EMI Network, Bajaj Finserv helps convert these expenses to No-cost EMIs that not only cover hair restoration but also cosmetic surgery in general.
Existing Bajaj Finserv EMI Card holders can access this facility and a coverage of up to ₹4 lakhs is offered against medical expenses with repayment tenors going as high as 24 months.
Bajaj Finserv EMI Network Card has zero loan foreclosure charges after the first EMI payment and lets you enjoy instant activation. This provision helps the people in handling the heavy cost of hair restoration & cosmetic services.
Conclusion
This was the complete article on is hair transplants covered by insurance. Hair fall is a common issue faced by most of the people around and those who are encountering such problems may seek remedies to cure this, one being hair transplant.
Although treatments can be expensive (the run-of-the-mill stuff will set you back hundreds to thousands) they’re not typically covered by health insurance –health insurers usually don’t include plastic surgeries on their list.
Still, easy EMIs through financing from HDFC Bank or Bajaj Finserv bring hair restoration within the reach of those who want to restore their youthful hairline without causing undue financial strain.
With convenient financing options, it is easier for people to spread the cost over time so hair loss treatment can be within reach of a wide audience. For the EMI option New Roots: Skin, Laser & Hair Transplant Clinic. They take care of patients like their family members.
While the country grows in awareness and concern for hair loss, those experiencing this condition must explore all options available to them including investigating potential insurance coverage so they can make an educated decision on their path with their hair.
Frequently Asked Question
In general, health insurance does not cover hair transplants as they are essentially cosmetic.
This is because it is mostly performed for cosmetic, rather than medical reasons.
Price varies from ₹25 to ₹45 per graft and chances are the final cost would run into thousands or lakhs, depending on how many grafts you may need.
Yes, the Easy EMI options provided comfort to all such users with partners like HDFC Bank and Bajaj Finserv Digital Health EMI Network.
EMI: – This option enables you to pay your hair transplant price through EMIs, granted in a certain output period.
