We are doing bilateral knee replacement with 3 lakhs total package with johnson and Johnson implant Kims hospital,kurnool

Get it operated in pmjay scheme or government medical college

That’s understandable. With a sum insured of 3 L and a higher total surgery cost, first confirm from your insurer how much they will reimburse for bilateral vs single-knee surgery, as many policies cap payment per admission. You can discuss with the surgeon whether doing one knee at a time (staged surgery) is medically acceptable, which reduces immediate financial pressure and improves recovery comfort. If surgery is not emergency, pain can be managed temporarily with medicines, injections, knee braces, and activity modification while you plan finances. Also explore policy options like top-up/super top-up insurance, cash discounts, or installment plans. Taking a second opinion helps mainly to reassess urgency and staging, not just the cost.

You can do one now and one next year each time you can claim 3L