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Cover Highlights
KEY FEATURES | ₹10, 25, 50, 100 & 200 L |
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In-Patient Care
Hospitalization for at least 24 hours
We pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours. Hospitalization less than 24 Hours We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures. |
Upto SI |
Day Care Treatment
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
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Listed as per the Plan, Up to Sum Insured |
Pre-Hospitalization
We cover the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
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30 days |
Post-Hospitalization
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications etc. incurred up to 60 days post your hospitalization.
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60 days Maximum up to SI |
Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
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Up to Rs 3000 per hospitalization |
Organ Donor Cover
We reimburse you the medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
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Up to SI or 15 L whichever is lower |
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
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Once per Covered Condition per policy year |
Annual Health Check-up
We give an Annual Health Check-Up for all insured members covered in the policy.
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Annual from 2nd Policy Year on Continuous Coverage |
No Claims Bonus(NCB)*
We raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in 5 consecutive years.
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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; Such decrease is only in SI accrued as NCB) |
International Second Opinion
Covers expenses for consultation from international medical experts excluding India
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Once per Covered Condition per policy year |
Health Services | |
Quick Recovery Counseling
Psychologist Counseling expenses covered
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Up to Rs 1000 Per Session, Maximum 8 Sessions Post Hospitalization in a Policy year( can be availed twice in a month) |
Health Portal | Value added services through Company’s Website |
Global Coverage
Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year.
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Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim |
Download the Brochure for Operation Mediclaim Complete Plan Details
Download Operation Mediclaim complete plan details
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Get Complete Policy Details in the Brochure With Our Expert Assistance!
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Most Frequently Asked Questions
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.
By opting for a medical insurance policy, such as surgical health insurance, you can avail of tax benefits that will help you in achieving financial savings. 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.
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. It is an ideal way to know how much sum insured you must select. 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. Make sure the policy also has features such as annual health check-up and lifelong renewability.
An operation insurance policy reduces the burden of expensive medical procedures by offering a financial safety cushion. This policy is highly beneficial as it provides:
*Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.
^^Number of Cashless Healthcare Providers till 25th March 2022
**10% discount is applicable for a 3-year policy
Download the Brochure for Operation Mediclaim Complete Plan Details
Download Operation Mediclaim complete plan details
Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!
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