Speech difficulty develops many times with age in children and adults. You may have to spend a lot for its treatment. In such a situation, whether your health insurance covers this expense or not, it is important to take care of it.
The term speech therapy is used to assess and treat speech disorders. It is used for the treatment of speech disorders in children. These can often develop in childhood. Apart from this, speech therapy is also used for the treatment of adults. This disorder occurs due to speech impairment due to an injury, disease or surgery, such as brain surgery or stroke. Speech therapy is performed by a speech-language pathologist. Who are also known as speech therapists. Speech therapists use speech therapy techniques. These include language intervention activities, articulation therapy, etc. based on the speech and communication disorder. Speech therapy can be used for articulation disorders, resonance disorders, fluency disorders, dysarthria, receptive disorders, aphasia, expressive disorders,
Health insurance covers speech therapy
Health insurance plans in India provide coverage for speech therapy. Such plans cover the fees for consultation with a speech therapist. While some insurance companies only cover speech therapy for children. Along with this, some schemes also provide coverage for adults. On the other hand, if there is a communication and speech disorder due to a serious illness, then the medical expenses are covered under the critical illness insurance policy. Speech therapy is generally covered under OPD cover or post hospitalization expenses. Children between the ages of 3 years to 25 years are covered under children health insurance plans that cover speech therapy. Although some schemes come with a payment of 20 percent. Whose payment has to be done with the claim. Therefore, one should always read the terms and conditions related to the scheme carefully before purchasing the policy.
speech therapy is expensive
Speech therapy is a very expensive process. A single consultation with a speech therapist can cost around Rs.3000. Speech therapy is a long term therapy which lasts for months and sometimes years. The cost of your three months speech therapy course can come up to around Rs 80,000.
How long is the waiting period
In India, speech therapy is covered by the health insurance scheme. Coverage is not available as soon as the policy starts. This is because all health insurance schemes come with a waiting period. You get the coverage only after this waiting period is over. Health Insurance Scheme Initial waiting period of 30 days applies for speech therapy. On the other hand, coverage in the critical illness scheme is available after an initial waiting period of 90 days.
