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Operation Insurance

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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Buy Exclusive Insurance Plan Covering Operations & Surgeries

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
      20,800+ CASHLESS HEALTHCAREPROVIDERS^^
    • Claim settled ratio
      95.2% INSURANCE CLAIMSETTLEMENT RATIO*
    • Claim settled
      30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

    Cover Highlights

    Quick Recovery Counselling

    Quick Recovery
    Counselling

    Lifelong Renewability

    Lifelong
    Renewability

    No Claim Bonus

    No Claim Bonus

    Surgical Procedures

    Surgical Procedures

    Room Rent Modification

    Room Rent Modification

    Benefits of Operation Insurance

    Benefits of Operation Insurance arrow close

    KEY FEATURES 10, 25, 50, 100 & 200 L
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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.
    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
    Once per Covered Condition per policy year
    Health Services
    Quick Recovery Counseling
    Psychologist Counseling expenses covered
    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.
    Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day-Care treatment with a Co-payment of 10% per Claim
    SHOW MORE BACK TO PAGE
    Brochure

    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!

    Add-ons to cover your specific needs

    International Second Opinion

    International Second Opinion

    Covers expenses for consultation from international medical experts excluding India.

    See Details
    Air Ambulance Cover

    Air Ambulance Cover

    Avail air ambulance service upto specified amount & severity of illness.

    See Details
    Room Rent Modification

    Room Rent Modification

    Room rent modification as per specified sum insured.

    See Details

    Care Operation Mediclaim Details

    The Insured Person may access health related information and services such as health risk assessment, Doctor on chat, Special rates for OPD, Diagnostics and Pharmacy through Network Providers , etc as available on the Company's website.

    SALIENT FEATURES

    • Search the best deal in your location

    • Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment

    • Comprehensive details on Doctors like qualification & appointment details.

    • Access to Right Healthcare Service, at right time and place.

    • Symptom tracker

    • Ailment to specialty tracker

    • Automated discount coupon download

    • 24x7 on call support

    Health Portal
    • Entry Age Minimum is 5 years Individual Basis
    • Entry Age Maximum is 50 years on Individual Basis
    • Cover Type Individual: Maximum up to 6 Persons
    • Initial Waiting Period 90 days from any illness
    • Pre-existing Disease Waiting Period: 48 months of continued coverage
    Download Terms & Conditions
    • Any item or condition or treatment specified in List of Non-Medical Items
    • Any treatment arising from or traceable to pregnancy (including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including caesarian section), abortion or complications of any of these.
    • Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication.
    • Unproven/Experimental or investigational treatments. Any Illness or treatment which is a result or a consequence of undergoing such experimental or unproven treatment.
    • Charges incurred in connection with routine eye examinations and ear examinations, dentures, artificial teeth and all other similar external appliances and / or devices whether for diagnosis or treatment.
    • Treatment of mental illness or psychological disorders or Parkinson's or Alzheimer's disease even if caused or aggravated by or related to an Accident or Illness.
    • Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
    • Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication.
    • Act of self-destruction or self-inflicted Injury, attempted suicide or suicide while sane or insane or illness or injury attributable to consumption, use, misuse or abuse of intoxicating drugs, alcohol,tobacco(smoking/non-smoking)or hallucinogens.
    • All preventive care (except eligible and entitled for Benefit 9: Annual Health Check-up), Vaccination, including Inoculation and Immunizations (except in case of post-bite treatment), vitamins and tonics.
    • Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent
    • Investigation and evaluation
      • Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
      • Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.

    STEP 1

    Emergency

    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2

    Cashless

    Request for pre-authorization

    Reimbursement

    Claim from submission

    Complete the pre-authorization form available
    at the hospitals insurance/TPA Desk and send us through fax.

    Approval

    Approval

    Approval letter sent by the claim management team

    Query

    Query

    Hospital/Insured to response to the query raised by the claim management team

    Rejected

    Rejected

    You may initiate the treatment and file for reimbursement claim

    Submission of claim form along with required
    documents, as per the policy terms & conditions

    Approval

    Approval

    Approval letter sent by the claim management team

    Query

    Query

    Insured to response to the query raised by the claim management team

    Rejected

    Rejected

    We will communicate the reason in case of rejection

    20800+ Health Care Providers Serving Cashless Medical Services Across The Globe

    Look for hospitals around you

    Detailed Hospital List
     19000+ Health Care Providers Across The Globe

    20800+ Cashless Providers

    19000+ Health Care Providers Across The Globe

    Voice of Our Customers

    Arvind Tiwari

    review Highly impressed with the Care Health Insurance team in making me carefully understand Operation insurance plan. The claim settlement was not stressful as I thought, and I also received lifelong renewability.

    Meenakshi Khandelwal

    review I purchased this plan about a year ago when I had to undergo surgery. Since then, I felt it was one of the best decisions I made in life. It provided cover for my surgery and pre and post-hospitalization expenses.

    Saurabh Singh

    review I am happy with this plan. It gave me coverage for my surgery and ICU expenses, all at an affordable price, making it an excellent deal for me.

    Prateek Kumar

    review I was diagnosed with a serious ailment and had lost confidence in my doctor. But thanks to my Care Health Insurance Operation Insurance plan that I received a second opinion from a top doctor who diagnosed me correctly.

    Akshita Gupta

    review This plan was an excellent investment for me as it offers organ donor cover, day-care treatment at the hospital, and an annual health check-up. I already recommended it to my friends and colleagues!
    Ankita Sharma

    My appreciation for your prompt service

    At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    Everything went very smooth

    I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    Finalising my claim in a short period

    I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    Health Insurance

    Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

    Care Health Insurance

    Awarded as Claims
    Leader of the year

    Care Health Insurance

    23 lakh + Claims settled*

    Care Health Insurance

    Cashless claim processing
    in approx. 2 hours

    FAQs About Care Operation Mediclaim

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    Most Frequently Asked Questions

    Q. Why should one buy an Operation Cover?

    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. However, the cost of healthcare in India is quite expensive, particularly in private hospitals. Solely relying on one’s savings for bearing medical expenses is not a good idea. Hence, choosing the best medical insurance for surgery is necessary. This policy will protect you against a host of medical costs besides hospital bills. It would offer cover for expenses such as:
    • In-patient Hospitalisation including room rent, operation theatre, and ICU charges
    • Day-care treatment including day-care surgeries
    • Pre-hospitalization Medical Expenses incurred for 30 days before admission
    • Post-hospitalization Medical Expenses incurred for a period up to 60 days after discharge

    Q. Is it Necessary to Get a Medical Check-up Before Buying an Operation Insurance Policy?

    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.

    Q. Does Operation Insurance Policy Offer Tax Benefits?

    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.

    Q. How should one decide on insurance for Operation Insurance coverage?

    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.

    Q. What is the benefit of an Operation Insurance policy?

    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:

    • Cashless claim facility for treatment at a network hospital
    • Income Tax benefit under Section 80D of the I-T Act
    • The flexibility of equated monthly or quarterly installments
    • Additional benefits such as no claim bonus and annual health check-up

    *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

    Brochure

    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!

    Reach out to us
    Whatsapp 8860402452

    GET FREE QUOTE

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