Septoplasty is a routine surgery but due to the word containing -plasty in its name, is denied by some TPAs reasoning that it is a plastic surgery procedure hence not admissible in mediclaim.
I generally use the term Nasal Endoscopic Surgery instead as anyway I do not do conventional septoplasty but a more minimally invasive endoscopic & packless procedure that allows you to breathe through your nostrils immediately after surgery. I use silicone endonasal splints with a built-in airway to allow you a much better cosmesis and almost no post operative discomfort and hardly any post operative complications.
Costing of this procedure depends upon your insurance cover and hospital it is being done.
This is an elective surgery so you need to have had this insurance cover for the preceding 3 years in case of a individual policy to get cashless benefit. This clause does not exist for corporate policies.
Unfortunately, your policy is a GIPSA individual policy(from one of the Government companies) you will not get cashless option in any of the hospitals that I operate in!
In such cases you will have to go in for reimbursement after initially settling the hospital bills at the hospital.
Do drop in to my clinic to discuss the financial nitty-gritty as this is not the forum to share such details.