CT-guided angiography is typically classified as an diagnostic procedure which can be carried out on OPD basis. If your health insurance policy includes coverage for OPD expenses, it may be covered within your OPD limit. However, since this procedure usually doesn’t require hospitalization and is purely diagnostic, it is often not covered under standard policies unless certain conditions are met.
For example, if CT-guided angiography is performed as part of a diagnostic process leading to hospitalization for the same medical condition, its costs may be reimbursed under pre-hospitalization coverage, as defined by your policy terms. Similarly, post-hospitalization consultation expenses may also be covered.
Traditional angiography is considered the gold standard diagnostic procedure in cardiology. Insurance companies classify reimburse claims for it even without requiring hospitalization (Day care basis)
CT-guided angiography is a minimally invasive diagnostic technique and doesn’t involve hospital admission. Due to its outpatient nature, insurers generally classify it as a diagnostic procedure not eligible for reimbursement unless directly tied to hospitalization. If the procedure is conducted before or after a hospital stay for the same illness, it might fall under pre- or post-hospitalization coverage, subject to policy terms and the number of allowable days.
In short, standalone claims for CT angiography are not covered. However, expenses for CT angiography are reimbursed if they fall under pre- or post-hospitalization claims, as per the policy’s terms and conditions. If the policy includes OPD coverage, the procedure can be claimed on a standalone basis, up to the OPD limit specified in the policy.
With over 12 years of industry experience, I am an associate and fellow from the Insurance Institute of India. I am dedicated to guiding individuals through the complex world of insurance, helping them make well-informed decisions.
