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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.
View MoreReasons to Choose Care Health Insurance?
Anyone can feel anxious about the idea of undergoing surgery. However, you can feel secure knowing that your health insurance gives you access to the most effective medical treatment possible. Surgery is a vital medical operation that is necessary as part of the treatment of many disorders.
Surgical techniques are improving as a result of medical advances. Numerous surgeries can now be performed without the use of extensive incisions, complicated procedures, or even prolonged hospital stays. Surgery aids those who are battling a sickness or medical condition in saving their lives.
The Care Health Insurance offers operation mediclaim, a health plan that provides complete coverage for costs associated with specific surgical procedures. This health insurance offers much-needed financial protection for your priceless savings.
Cover Highlights
Quick recovery counselling
Lifelong renewability
No Claim Bonus
Surgical Procedures
Room rent modification
| KEY FEATURES | ₹10, 25, 50, 100 & 200 L |
|---|---|
| In-Patient Care
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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
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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
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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
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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
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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
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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
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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
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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)*
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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
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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
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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
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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 |
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 letter sent by the claim management team
Query
Hospital/Insured to response to the query raised by the claim management team
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 letter sent by the claim management team
Query
Insured to response to the query raised by the claim management team
Rejected
We will communicate the reason in case of rejection
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My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
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.
Best Health Insurance
Company of the Year*
38 Lakh + Claims Settled**
22900+
CASHLESS HEALTHCARE PROVIDERS^^
Yes, health insurance policies provided by various insurers cover surgical costs for daycare procedures and surgeries that require hospitalisation.
Yes, you can buy a specific policy that covers medical surgeries. Some insurers like Care Health Insurance offer Care Operation Mediclaim, a dedicated policy only for surgical processes.
Depending on the specific circumstances, you may need to have a pre-policy medical examination, as per the underwriter's discretion. If your policy proposal is approved, you will be paid for the expense of the diagnostic tests.
To know which surgeries are covered under your Operation Mediclaim Policy, refer to the policy documents of your insurance plan.
Yes. Operation Mediclaim covers day surgical treatment that doesn't need a minimum 24-hour hospital stay, such as kidney stone removal surgery, orthopaedic surgery, cataract surgery, etc.
Many insurance providers let the insured pay the cost of their operation mediclaim in instalments. You can choose to pay the premium on a quarterly or monthly basis only if you choose a policy tenure of 2/3 years.
You can choose the sum insured amount as per your requirement and your family's needs. Care Operation Mediclaim offers Sum Insured option from 10 Lakhs to 2 Crores to cover you and your loved ones.
No, the majority of mediclaim plans for surgery do not cover cosmetic procedures. However, if a doctor finds that the surgical operation is required, coverage may be offered in case of cosmetic, reconstructive surgery after an accident.
^^Number of Cashless Healthcare Providers as of 30th June 2023
**Number of Claims Settled as of 31st May 2023
##10% discount is applicable for a 3-year policy
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