Operation Insurance

Yes, health insurance policies from different insurers cover surgical expenses for daycare procedures and surgeries that require hospitalisation.

Yes, you can purchase a specific policy that covers medical surgeries. For example, some insurers, such as Care Health Insurance, offer Care Operation Mediclaim, a policy dedicated solely to surgical procedures.

Depending on the particular situation, a pre-policy medical examination may be required at the underwriter's discretion. If your policy proposal is accepted, the cost of the diagnostic tests will be reimbursed.

Check the policy documents of your insurance plan to see which surgeries are covered under your Operation Mediclaim Policy.

Yes. Operation Mediclaim covers day surgical procedures that do not require a hospital stay of at least 24 hours, such as kidney stone removal, orthopaedic surgery, and cataract surgery.

Many insurance providers allow insureds to pay their operational medical claims in instalments. You can pay the premium quarterly or monthly, but only if you select a 2- or 3-year policy term.

You can select the sum insured based on your needs and your family's requirements. Care Operation Mediclaim provides a Sum Insured range from 10 Lakhs to 2 Crores to protect you and your loved ones.

Most medical insurance plans for surgery do not cover cosmetic procedures. However, if a doctor concludes that surgery is necessary, coverage might be available for cosmetic or reconstructive surgery following an accident.