Private Medical Indemnity Insurance Guide
Information on private medical indemnity insurance claims and precautions.
Insurance Claim Procedure
STEP 01
Precise diagnostic examination including 3D-CT imaging and endoscopy after visiting the clinic
STEP 02
Consultation and provision of diagnosis and procedure codes
STEP 03
Confirm eligibility and reimbursement rate through your insurance provider
STEP 04
Customized treatment and surgery plan tailored to the patient's condition
STEP 05
Required documents issued by the clinic
STEP 06
Submit relevant documents to the insurer
(mail or fax)
STEP 07
Receive insurance payout after review
What Conditions Are Eligible for Insurance Claims?
Deviated nasal septum, nasal valve stenosis, rhinitis, and sinusitis are leading nasal conditions for which private medical indemnity insurance coverage may be available following a diagnostic examination.
| Nasal condition | Examination | Required documents |
|---|---|---|
|
Deviated septum / Nasal bone fracture |
Advanced 3D-CT imaging; the scan confirms whether an insurance claim is possible |
Surgery certificate, admission/discharge certificate, itemized medical bill, inpatient (discharge) fee receipt, other insurer forms |
| Rhinitis | ||
|
Sinusitis (chronic rhinosinusitis) |
||
| Nasal valve reconstruction |
| Nasal condition | Diagnosis code | Category | |
|---|---|---|---|
|
Deviated septum / Nasal bone fracture |
J34.2 Deviated nasal septum | Covered | |
| Rhinitis |
J34.3 Hypertrophy of nasal turbinates J30.4 Allergic rhinitis, unspecified |
Covered | |
|
Sinusitis (chronic rhinosinusitis) |
J32.9 Chronic sinusitis, unspecified | Covered | |
| Nasal valve reconstruction |
OZ111 Nasal valve reconstruction M95.0 Acquired deformity of nose |
Statutory non-covered | |
※ Reimbursement rates vary by individual even for the same functional nasal surgery.
Products prior to August 1, 2009: 100% coverage From August 1, 2009: 90% coverage From April 1, 2016: 80% coverage Even if your policy was taken out before 2009, reimbursement rates may differ depending on the specific policy terms.
We recommend confirming your enrollment date, coverage rate, and eligibility for payment directly with your insurer before proceeding with functional nasal surgery.
Symptoms of Nasal Conditions
Tests for Insurance Documentation
3D-CT and endoscopy help document your condition. Your insurer confirms coverage and reimbursement.
At Baroko, postoperative follow-up visits also include 3D-CT and endoscopic imaging to directly verify internal nasal changes and functional recovery.
Rhinitis & Deviated Septum — 3D-CT Imaging
Deviated Septum — Endoscopy
Nasal Valve — 3D-CT Imaging
Nasal Valve — Endoscopy
BAROKO results — before & after
Why Choose Baroko
Experienced care, thoughtful planning, and a focus on safety.
01
Detailed Preoperative Assessment
We use hospital-grade 3D-CT imaging to assess your nose before surgery.
02
Personalized Consultation
We review your nasal anatomy and any conditions, then discuss a plan tailored to you.
03
ENT Expertise
An ENT specialist focused on the nose, combining function and aesthetics.
04
Virtual Surgical Preview
Preview the planned changes and discuss your goals before surgery.
05
Your Own Cartilage
We use your own cartilage rather than synthetic materials or donor cartilage to reduce inflammation risk.
06
Over 20 Years of Experience
Our head surgeon draws on extensive rhinoplasty experience to create a balanced nasal profile.
07
A Focus on Safety
Sterile operating facilities and ultrasound guidance support infection control and safe anesthesia.
08
Specialized Surgical Skills
Rhinoplasty techniques tailored to the balance of your facial features.
09
Surgical Warranty
We issue a surgical warranty after the procedure and provide follow-up care.
10
Personalized Aftercare
Care for bruising, swelling, and scars throughout your recovery.
11
Careful Follow-Up
We compare your progress before and after surgery and monitor your recovery closely.
FAQs: Nasal Surgery Private Medical Indemnity Insurance
Deviated nasal septum, nasal valve stenosis, rhinitis, and sinusitis are the leading nasal conditions for which private medical indemnity insurance coverage may be available following a diagnostic examination.
3D-CT and endoscopy help document your condition. Your insurer confirms coverage and reimbursement. Postoperative follow-up visits also include 3D-CT and endoscopic imaging to verify internal nasal changes and functional recovery.
No. Reimbursement rates vary by individual even for the same functional nasal surgery. Products prior to August 1, 2009 receive 100% coverage; from August 1, 2009, 90% coverage; from April 1, 2016, 80% coverage. Even if your policy was taken out before 2009, coverage may differ depending on policy terms, so we recommend confirming your enrollment date, coverage rate, and eligibility directly with your insurer before proceeding.