Is a hernia operation covered by hospital insurance?
Ordinarily all major types of hospital surgical insurance
cover the expense entailed in hospitalization for
hernia repair. A general insurance company will make
an effort to avoid picking up the bill for a compensable
hernia that should rightly be assumed by the company
responsible for on the job accidents. If a man at work
lifts something and experiences groin pain and evidences
a hernia that was not present before, it is reasonable to
assume that there is a cause and effect relation between
the hernia and the job. In such a case the employer's
insurance company can be petitioned to assume the expense
for the correction of this injury. This contrasts
with the sedentary worker who is not aware of an on-thejob
incident. In this case his own regular hospital
insurance company assumes part of or all the financial
responsibility.
Most hospital admitting clerks are aware of this and
will often ask whether it is possibly a compensation case.
Know the answers in advance and express them positively.
Otherwise your admission may be delayed until it is
established which third party is to assume the financial
responsibility.
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