Cost in Delhi NCR
Bariatric Surgery cost in Delhi NCR
Bariatric Surgery in Delhi NCR costs about ₹4,00,000, our typical NCR package (estimate, exact quote via us). Of the 13 policies we read, 5 state a waiting period for it of 24 to 36 months. What you pay depends on your room, co-pay and plan, so we work it out from your own policy.
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Key facts
- Typical NCR package: ₹4,00,000 (estimate, checked 28 Sep 2026)
- Waiting period on the 5 policies that state one: 24 to 36 months (policy wordings, read 28 Sep 2026)
- Policies with a sub-limit for this procedure: 4 of 13 (read 28 Sep 2026)
- Hospitals in our Delhi NCR list that offer this: 22
What moves the price
- Room category. On a policy with a room rent limit, a room above the limit also cuts what the insurer pays on doctor and OT charges, in the same ratio. A room within your limit avoids that cut.
- Days in hospital. Each extra day adds room rent, nursing, medicines and tests.
- Implant or devices. Where the procedure uses one, the make and type of implant can move the bill more than any other head.
What each policy we have read says about it
| Insurer | Policy | Waiting period | Sub-limit | Exclusion rule | Source |
|---|---|---|---|---|---|
| Aditya Birla | Activ Health (Platinum Enhanced) | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 57 |
| Aditya Birla | Activ One (NXT) | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 11 |
| Bajaj Allianz | Health Guard | 36 months of continuous cover | Silver: 25% of the sum insured; Gold and Platinum: 50% of the sum insured, up to ₹5,00,000 | Covered when the policy's conditions are met | Policy wordings, page 13 |
| HDFC Ergo | Optima Secure | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 33 |
| National Insurance | Mediclaim Plus | 36 months of continuous cover in the wordings. The CIS says 48 months | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 7 |
| New India | Mediclaim 2012 | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 22 |
| New India | Yuva Bharat | 24 months of continuous cover | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 27 |
| SBI General | Super Health | No procedure-specific waiting period found in the wording; general waiting periods apply | ₹50,000. On the Prime, Elite and Premier plans. On Platinum and Platinum Infinite the limit is ₹2,00,000 | Covered when the policy's conditions are met | Policy wordings, page 30 |
| Star Health | Assure | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 30 |
| Star Health | Comprehensive | 36 months of continuous cover. You must be over 18, and a cashless claim needs prior approval | ₹2,50,000. For a sum insured of ₹5 lakh to ₹15 lakh. Above ₹15 lakh the limit is ₹5,00,000 | Covered when the policy's conditions are met | Policy wordings, page 15 |
| Tata AIG | Medicare Plus | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 11 |
| Tata AIG | Medicare Premier | 24 months of continuous cover. Not applicable to claims arising from an accident | No separate sub-limit: paid up to the sum insured | Covered when the policy's conditions are met | Policy wordings, page 36 |
| United India | Family Medicare | No procedure-specific waiting period found in the wording; general waiting periods apply | None found in the wording | Covered when the policy's conditions are met | Policy wordings, page 18 |
Hospitals we check
We have checked 22 hospitals in Delhi NCR that offer bariatric surgery: Delhi 9, Gurugram 5, Faridabad 3, Noida 3, Ghaziabad 2. We hold no hospital-level prices yet, so this page shows the typical package only.
Questions
Is bariatric surgery covered under insurance?
On the 13 policies we have read, bariatric surgery is covered, with a waiting period of 24 to 36 months on the 5 that state one, when the policy's own conditions for it are met. Your own policy schedule decides, so check its waiting periods.
Check your own policy
Send your policy on WhatsApp. A person reads it and works out what your stay would cost you before you are admitted.
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Sources
- Aditya Birla Activ Health (Platinum Enhanced): policy wordings (accessed 28 Aug 2026)
- Aditya Birla Activ Health (Platinum Enhanced): customer information sheet (cis) (accessed 28 Aug 2026)
- Aditya Birla Activ One (NXT): policy wordings (accessed 28 Aug 2026)
- Aditya Birla Activ One (NXT): customer information sheet (cis) (accessed 28 Aug 2026)
- Bajaj Allianz Health Guard: policy wordings (accessed 27 Sep 2026)
- Bajaj Allianz Health Guard: customer information sheet (cis) (accessed 28 Aug 2026)
- HDFC Ergo Optima Secure: policy wordings (accessed 28 Sep 2026)
- HDFC Ergo Optima Secure: customer information sheet (cis) (accessed 28 Sep 2026)
- National Insurance Mediclaim Plus: policy wordings (accessed 27 Sep 2026)
- National Insurance Mediclaim Plus: customer information sheet (cis) (accessed 27 Sep 2026)
- New India Mediclaim 2012: policy wordings (accessed 27 Sep 2026)
- New India Mediclaim 2012: customer information sheet (cis) (accessed 27 Sep 2026)
- New India Yuva Bharat: policy wordings (accessed 27 Sep 2026)
- New India Yuva Bharat: customer information sheet (cis) (accessed 27 Sep 2026)
- SBI General Super Health: policy wordings (accessed 28 Sep 2026)
- SBI General Super Health: customer information sheet (cis) (accessed 28 Sep 2026)
- Star Health Assure: policy wordings (accessed 28 Sep 2026)
- Star Health Assure: customer information sheet (cis) (accessed 28 Sep 2026)
- Star Health Comprehensive: policy wordings (accessed 27 Sep 2026)
- Star Health Comprehensive: customer information sheet (cis) (accessed 28 Aug 2026)
- Tata AIG Medicare Plus: policy wordings (accessed 28 Aug 2026)
- Tata AIG Medicare Plus: customer information sheet (cis) (accessed 28 Aug 2026)
- Tata AIG Medicare Premier: policy wordings (accessed 28 Aug 2026)
- Tata AIG Medicare Premier: customer information sheet (cis) (accessed 27 Sep 2026)
- United India Family Medicare: policy wordings (accessed 27 Sep 2026)
- United India Family Medicare: customer information sheet (cis) (accessed 27 Sep 2026)