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/Interventional Pain Procedures
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What is Interventional Pain Procedures in health insurance?
Covers specialised pain management treatments - like nerve injections or spinal procedures - for people suffering from long-term chronic pain (like a herniated disc or severe arthritis). These are alternatives to surgery or heavy painkillers that most standard plans do not cover.
Star Health
Star Health Assure
StandardCommonly Missed
Fourteen named pain procedures - nerve blocks, radiofrequency ablations and epidural injections - are paid, each with its own rupee sub-limit. They sit inside an overall ceiling of 20% of your Sum Insured a year, which is shared with rehabilitation.
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Watch out
Each procedure has its own ceiling: a caudal epidural injection for discogenic pain is capped at ₹40,000 at Sum Insureds up to ₹20,00,000, and ₹50,000 at ₹25,00,000 and above. Treatment must be taken at the centres listed on the insurer's website.
Star Health
Super Star
Not coveredCommonly Missed
Super Star has no pain management benefit, and the procedures used for interventional pain relief are excluded by name: intra-articular injection therapy and platelet-rich-plasma procedures under Code Excl 28, and low level laser therapy, photodynamic therapy and VAX-D under Code Excl 26.
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Watch out
The exclusions apply even when a doctor advises the procedure, so a course of knee injections for arthritis or a PRP treatment for a shoulder is paid by you.
HDFC ERGO
Optima Restore
Not coveredCommonly Missed
Interventional pain procedures are not covered. Neither document offers a nerve block, epidural or pain-management benefit, and both exclude admission for intra-articular or intra-lesional injections, which is the closest treatment either wording names.
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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