Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Operation insurance is medical coverage for critical surgeries and medical procedures that require long, expensive treatment. Health insurance for surgery reduces the financial burden of major operations. Buy Care Health Operation Insurance and enjoy benefits such as
Reasons to Choose Care Health Insurance?
Global Coverage*
International Second Opinion*
Ambulance Cover
ICU Cover
Operation insurance, or surgery insurance, is a specialised health insurance policy that covers medical procedures, including surgeries. When you buy operation insurance, you get coverage for a wide range of surgeries, from routine to complex procedures, pre- and post-operative care, ensuring that you can focus on recovery rather than financial stress.
By choosing health insurance for surgery, policyholders can avail of cashless hospitalisation, prevent out-of-pocket expenses, and receive timely care. These plans also cover diagnostic tests and medications related to surgery coverage.
At Care Health Insurance, we offer Super Mediclaim, a specialised, indemnity-based plan that covers critical conditions, with a dedicated Operation Mediclaim focused on surgeries.
Coverage for wide array of defined surgeries
Health Insurance Coverage for 32 Critical Illnesses
India's First Money Back Health Insurance Plan
Some medical conditions may require surgery to treat the illness. With advancements in healthcare technology, surgeries have become faster and more precise for patients. A standard health insurance plan may not fully cover the cost of costly surgical procedures. Therefore, supplementing regular health insurance with operation insurance provides additional financial support, helping reduce out-of-pocket expenses and reinforcing your health cover.
Operation insurance is suitable for anyone seeking dedicated coverage for surgical procedures. It supports hospital and medical expenses associated with necessary surgical procedures.
Care Super Mediclaim offers Operation Mediclaim, a variant specifically designed to cover surgical care needs. The Operation Mediclaim comes with the following features:
| Features | Coverage |
|---|---|
| In-patient hospitalisation | Up to SI |
| Day care treatment | Up to SI |
| Room rent eligibility | Single Pvt. Room (for 10 Lacs SI) & All Categories (for SI > = 25 Lakh) |
| ICU Charges | Up to SI |
| Pre hospitalisation | 30 days, Up to SI |
| Post-hospitalisatiuon | 60 days, Up to SI |
| Ambulance cover | Up to 3,000 per hospitalisation |
| Organ donor cover | Up to Sum Insured or 15 Lakh, whichever is lower |
| Ayush treatment | Up to SI |
| Organ Donor Cover | Up to Sum Insured or 15 lakh, whichever is lower. |
| No Claim Bonus | Up to 100% of SI |
| Second Opinion | Available once per year for each specified critical illness |
| Global Coverage | Up to Sum Insured (for SI>=1 Crore) |
| Quick Recovery Counselling | Up to ₹1000/- per session, Maximum 8 sessions Post-Hospitalisation |
| Doctors on Call | Yes (Telephonic/Online) |
| Annual Health Check-Up | Annually, from the 2nd Policy Year on, continuous coverage. |
| International Second Opinion* | Available once per year for each specified critical illness (for SI>=50 Lakh) |
| Air Ambulance* | Up to 5 lac for SI >= 50 Lakh |
Disclaimer: Benefits marked with (*) are optional.
To make informed decisions, it is important to know what is covered and what is excluded.
The coverage includes medically necessary surgical or medical procedures related to illness as specified in the policy terms.
The policy excludes cosmetic, experimental, and non-medically necessary procedures, as well as other specified exclusions.
Care Health Insurance’s surgery insurance covers a wide range of surgical procedures, subject to terms and conditions. Some of the key categories of surgeries covered include:
Note: Kindly refer to the prospectus for a complete list of procedures covered.
Here is the eligibility criteria of operation insurance policy in a tabular format:
| Eligibility Criteria | Description |
|---|---|
| Entry-Age- Minimum | Individual: 5 years |
| Entry-Age- Maximum | 50 Years |
| Cover Type | Individual Plan (Max up to 6 members) |
| Tenure | 1/2/3 Years |
| Premium Payment Mode | Single/Monthly/ Quarterly |
| Monthly and Quarterly Payment Options | Available on 2-year and 3-year tenures (EMI options) |
| Initial Wait Period | 90 days |
| Pre-Existing Disease Wait Period | 36 months |
| Named Ailment Wait Period | 24 months |
Note: Please review the policy wording for detailed eligibility conditions and applicable waiting periods.
Choosing the right health insurance for surgery coverage is essential so you can stay worry-free about potential out-of-pocket costs. When you plan to purchase Operation Insurance online, pay attention to critical factors to secure complete coverage for surgical requirements. Here are some essential points to keep in mind.
Purchasing insurance for your purchasing operations with us is a hassle-free process. Buy operation insurance online effortlessly with these quick and easy steps.
Below is the process you can follow to file a 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. |
High surgical costs call for an operation insurance plan that helps safeguard your finances. Here’s why Care Health Insurance is a reliable and trusted choice for surgical coverage for you and your family.
Disclaimer: The premium is calculated for an insured individual aged 5 with a sum insured of 10 lacs.
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My appreciation for your prompt service
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Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
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Vaibhav Rai
Health Insurance
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.
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Super Mediclaim: UIN - RHIHLIP21374V022021
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec'25
^10% discount is applicable for a 3-year policy
*Benefits marked with (*) are optional.
^^Number of Cashless Healthcare Providers as of Dec'25
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