L5-S1 Lumber Microdiscectomy with Microforaminotomy is covered in health insurance policy???

Health insurance doesn’t come with a list of surgeries that are covered.

There is no exclusion under the policy for this type of surgery. So theoretically it can be covered.

Actual coverage will depend on other factors such as whether this is a pre-existing condition that is excluded under the policy, whether there was non disclosure of any condition at the time of taking policy and other aspects.

The surgery what you mentioned comes under specific wiating period of 24 months. So, it will be covered after 24 months of polciy inception.