ACL Reconstruction Surgery Cost in Gurgaon : Medical Insurance Accepted


Gurgaon, often referred to as the Millennium City, has swiftly emerged as a premier medical hub. Its state-of-the-art hospitals and medical facilities attract patients from various regions. Among many medical procedures, ACL (Anterior Cruciate Ligament) reconstruction surgery stands out. In this guide, we’ll discuss the cost of ACL reconstruction surgery in Gurgaon and the integral role medical insurance plays.

Understanding the ACL

The Anterior Cruciate Ligament (ACL) plays a pivotal role in knee stability. An injury to the ACL can impair mobility and often demands surgical intervention, particularly for athletes or those leading active lives. The ACL, or anterior cruciate ligament, plays a crucial role in keeping your knee stable. It prevents your shinbone from sliding forward over your thighbone, allowing you to move, jump, and pivot with confidence. Unfortunately, this vital ligament is also prone to injury, especially in sports like basketball, soccer, and skiing that involve sudden changes in direction or impact.

A Torn ACL: What Happens?

Imagine twisting your knee awkwardly while landing from a jump or pivoting sharply. A sudden, popping sensation followed by swelling and instability could indicate a torn ACL. This can be a frustrating and even debilitating injury, impacting your ability to walk, run, and participate in physical activities you enjoy.

Treatment Options: Repair or Reconstruction?

ACL treatment primarily focuses on either repairing the torn ligament or reconstructing it with a graft. Choosing the right path depends on the severity of the tear, your activity level, and overall health.

1. ACL Repair:

  • Applicable for minor tears where the ligament ends remain close together.
  • The surgeon stitches the torn ends back together.
  • Requires less extensive surgery and a potentially shorter recovery time.
  • May not be suitable for all tears, especially significant ones, due to reduced success rates.

2. ACL Reconstruction:

  • More common technique for complete tears or significant partial tears.
  • The surgeon removes the damaged ACL and replaces it with a graft (tissue) from another part of your body, typically the hamstring or patellar tendon.
  • Offers greater stability and improved long-term outcomes.
  • Requires a longer recovery period compared to repair.

Determinants of ACL Reconstruction Surgery Cost

Several factors influence the cost of this surgery:

  • Type of facility (government vs. private)
  • Surgeon’s qualifications and experience
  • Surgical methods utilized
  • Duration of hospitalization
  • Post-surgical care and rehabilitation
  • Additional diagnostic or medical tests

Dr. Darsh Goyal(Orthopedic Surgeon): A Leading Choice in Delhi NCR

dr darsh goyal acl surgery

Among the prominent ACL surgeons in Delhi NCR, Dr. Darsh Goyal stands out for his impressive credentials and patient-centric approach. With over 20 years of experience and a fellowship in arthroscopic knee surgery and sports injury management, he boasts a proven track record of successful ACL reconstructions.

Dr. Goyal prioritizes clear communication, ensuring his patients understand every step of the process. He is known for his compassionate and supportive demeanor, putting patients at ease during this challenging time.

The Medical Landscape of Gurgaon

With institutions ranging from super-specialty hospitals to specialized clinics, the choices in Gurgaon are vast. Depending on various factors, the procedure’s cost can range from INR 70,000 to over INR 2.5 lakh.

Medical Insurance: A Game-Changer

Medical insurance significantly eases the financial component of this procedure.

a. Understanding Coverage Details

  • Coverage Percentage: Depending on the policy, insurance might cover from 50% to 100% of the expenses.
  • Policy Inclusions & Exclusions: Some parts of the surgery might not be covered, so it’s essential to clarify these aspects.

b. Partnered Hospitals Several insurance companies have partnerships with specific hospitals, streamlining the process. It’s imperative to verify if your preferred Gurgaon hospital is within your insurance’s network.

c. Navigating the Claim Process Mainly, there are two claim types:

  • Cashless Claim: The medical facility coordinates directly with the insurer.
  • Reimbursement Claim: The patient pays initially and later claims reimbursement from the insurer.

Insurance’s Role in ACL Surgery

Health insurance drastically reduces financial strain. However, be aware of:

  • Sum insured: The maximum coverage amount.
  • Deductibles: Amounts the policyholder must pay before insurance kicks in.
  • Co-payments: Fixed sums the insured must pay for covered services.

Potential Hurdles and Their Solutions

While insurance is beneficial, sometimes issues like claim denials arise. Key strategies include:

  • Familiarizing oneself with the policy.
  • Maintaining thorough documentation.
  • Staying informed about policy terms.
  • Facilitating clear communication with the insurer and hospital.

Choosing the Optimal Hospital and Insurance Policy

Ensuring compatibility between your hospital choice and insurance plan is vital. It helps to:

  • Research and shortlist hospitals renowned for ACL surgeries.
  • Compare insurance plans focusing on orthopedic surgeries.
  • Consider patient feedback for genuine insights.

Post-surgery Care and Insurance Coverage

Post-operative care, encompassing physiotherapy and medication, is crucial for recovery. Confirm that these elements are covered by your insurance, or plan for these costs.

Gurgaon’s Trajectory in ACL Surgeries

As medical technology progresses and insurance becomes more prevalent, Gurgaon is set to provide more accessible and affordable ACL surgeries.


Gurgaon’s rise as a medical hotspot, combined with the widespread acceptance of medical insurance, ensures that ACL Reconstruction Surgery is both high-quality and financially manageable. Proper research and an in-depth understanding of both the procedure and your insurance coverage are key to a seamless experience.

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