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Insurance & Financing

If you're planning to apply for coverage under your insurance plan, as per IRDAI (Insurance Regulatory & Development Authority of India) - the procedure is covered from October 2020 and insurance companies will have to pay for all or part of your surgery depending on the plan you hold. You need to submit necessary documentation and it includes Completed pre-surgical assessments and evaluations form and the recommended surgical treatment from your bariatric surgeon, all necessary investigations supporting the claim and previous attempts to manage your weight and records pertaining to health condition related to obesity such as: type 2 diabetes, sleep apnea or cardiac illness

Eligibility Criteria

The eligibility criteria for clearance of insurance coverage are as given below:

  • Supported by clinical protocols
  • 18 years of age and older
  • Body Mass Index (BMI)
    • > 40 Kg/m2 (or)
    • > 35 Kg/m2 with any of the following severe comorbidities
      • Coronary heart disease / Cardiomyopathy
      • Obstructive Sleep Apnoea
      • Uncontrolled Type 2 Diabetes

Our unit coordinator will guide you with the entire process for eligibility assessment to application process through our hospital's dedicated corporate desk.


Most insurance companies will require that surgery be performed at an accredited hospital rather than a stand-alone bariatric surgery center. Institute of Bariatrics @ Apollo Hospital, Chennai is one of the first fully accredited Centre of Excellence by Obesity & Metabolic Surgery Society of India (OSSi-COE).

This accreditation means that our facility is monitored and inspected on a regular basis to ensure we comply with, or exceed, national standards for our patients, the quality of our staffing, and our policies and procedures.


If you do not have insurance coverage and you require supplemental financing for the treatment or as co-payments, our unit throught the aid of the hospital offer the same throught 0% EMI scheme. These special bariatric schemes are developed in liaison with Bajaj Finserv.

The financing will be as per the discretion of the Bajaj Finserv guidelines and approval will be on the within few hours or atleast by end of the day. You can get in touch with our office for further information and assistance with the application process.