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Operation insurance is a medical cover for critical surgeries and medical procedures requiring long and expensive treatment. Health insurance for surgery lowers the financial burden that comes with major operations.
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Sometimes, the road to recovery from an illness may begin with a surgery. The thought of undergoing a surgical operation can make anyone nervous. However, you can rest assured when you know that you have access to the best medical care available under your health insurance.
Surgery is a crucial medical procedure required as part of the treatment of various illnesses. Thanks to medical advancements, surgical procedures are getting advanced. There are many surgeries that no longer need large incisions, elaborate procedures, or even extended stays at the hospital. Surgery helps save the lives of people who are fighting a disease or a medical condition. And in all this hassle of arranging finances, only the best health insurance for surgery can come to your rescue and save you from shelling out your hard-earned money.
The operation insurance plan offered by Care Health Insurance is a type of mediclaim policy that offers comprehensive coverage for expenses related to defined surgical procedures. Surgery insurance cover provides the much-required financial cushion for one’s precious savings. Once you have the best health insurance for surgery, you will be free of the unnecessary stress of arranging finances.
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An operation insurance plan offers financial protection against various surgical expenses incurred by the policyholder. Medical insurance for surgery is an indemnity-based plan that provides the following benefits to the insured:
You also have an option of choosing optional benefits while buying surgery insurance cover. Below listed are a few optional benefits that you can choose from
By choosing this optional benefit, you will bear a co-payment of 20% per claim and our liability shall be restricted to the balance amount payable, subject to terms and conditions.
Unlimited Automatic Recharge
If, you ever exhaust your health cover, we reinstate the entire sum insured unlimited times in a policy year provided you use the recharge amount only under hospitalisation expenses.
Air Ambulance Cover
We will pay you up to the amount specified in the Policy for availing Air Ambulance in India for your transportation from the place of occurrence of a medical emergency to the nearest Hospital.
Room Rent Modification
Your Room Rent/Category and ICU Charges should not have any restrictions or limits. In this optional benefit, you will have no limit on room rent/room category during Hospital accommodation.
The operation insurance policy has an initial waiting period of 90 days and 48 months for pre-existing diseases. The insured persons cannot get a claim if they undergo a diagnosis of illness or any surgical procedure during this period.
When buying a health insurance policy, it is essential to check the list of exclusions. It will give you an idea of the various scenarios where you will not be eligible to get a claim.
We list below some of the permanent exclusions of the policy:-
Care Health Insurance covers almost all surgical procedures, subject to terms and conditions. A list of some common surgical procedures are as follows-
Surgery may become inevitable for a person suffering from an illness or having a specific medical condition. Surgeries are performed effectively and quickly owing to the technological advancements in healthcare, thus benefiting the patients. A surgical operation demands great care, and therefore it becomes crucial to avail quality treatment at the best hospital. This policy will protect you against a host of medical costs besides hospital bills. It would offer cover for expenses such as:
Buying operation health insurance online is a simple process that does not involve any paperwork. In a few clicks, you can get the best health cover for your medical expenses. Before proceeding, make sure you have made a clear assessment of your medical needs and estimated your costs.
Now, visit the official website of Care Health Insurance, where you will find the best operation insurance policy. You have the option to pick the sum insured based on your financial requirements. Moreover, you can calculate the premium and pay the amount online.
Below is the process you can follow to file cashless or reimbursement claim under your surgery insurance coverage-
|Cashless Claim Process||Reimbursement Claim Process|
|Step 1: Go to a listed in-network hospital.||Step 1: Submit your claim form along with other required documents.|
|Step 2: Fill out the proper forms at the insurance desk.||Step 2: You'll get an approval letter when your claim is verified.|
|Step 3: Send the completed form to our claim management team.||Step 3: Respond to queries raised by the claim management team.|
|Step 4: You'll get an approval letter when your claim is verified.||Step 4: Get approval from the claim management team.|
|Step 5: Respond to queries from the claim management team and you will soon know whether your cashless claim is approved or rejected.||Step 5: You will be contacted by our claims team if there are specific reasons for rejecting your claim.|
Choosing the right health insurance cover is of utmost importance so that you can stay worry-free about possible out-of-pocket expenditures. Here are some essential factors you must remember when selecting health insurance for surgery:
Many people are gradually realising the importance of buying a health insurance plan, which will safeguard them during medical emergencies. A health plan offers numerous benefits and covers those medical expenses that are not just restricted to hospitalisation.
While this is true, it is also essential to have a specific health cover for surgery. It could be possible that your existing health policy becomes insufficient to cover all the expenses you are incurring due to an illness. Choosing an operation insurance cover is a wise decision as it will provide an additional cushion by covering the surgical procedures as defined in the policy document.
Kindly refer the prospectus for a complete list of procedures covered
The policyholder is eligible to claim an income tax deduction on the premium paid, as per Section 80D of the Income Tax Act, 1961, as applicable. The tax benefits are subject to changes in the tax laws in India.
The operation insurance plan covers the expenses for defined surgeries. The policy will be issued based on tele underwriting. In a few cases, the insured may be asked to undergo a medical check-up.
If you are planning to buy an operation insurance cover, do remember to consider your age, health risks, and current medical condition and estimated costs of surgery. Additionally, you should keep in mind the waiting period clause and exclusions so that you can prepare yourself for the scenarios where you cannot get coverage under your policy.
Yes. Operation Insurance a super mediclaim productcomes with lifelong renewability which means once enrolled a person could continue to avail benefits throughout their lifetime (provided policy is renewed timely).
The option to avail EMIs for premium payment can be opted only at the time of purchase of policy and remains the same throughout policy year.
Upon choosing EMIs as the premium payment mode, if a claim is filed, then the remaining amount of EMIs for the policy year will be deducted from the total claim payable amount.
Super Mediclaim comes with an enhanced version of No claim Bonus. In the first Claim free year, there is a 50% increase in base Sum Insured. In Claim free 2nd & 3rd year there will be is 25% corresponding Increase on base SI. Thus 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free/ Policy Years respectively, Max up to 100% of SI. 50%/25%/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid.
Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.
Yes, you will get a discount on multi-year policy.
Yes, Care’s operation mediclaim will help you cover your spinal surgery, subjected to terms and conditions.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
**Number of Claims Settled as of 31st May 2023
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of 30th June 2023.
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