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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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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    24800+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24*7CLAIM AND CUSTOMER SUPPORT

Buy Exclusive Insurance Plan Covering Operations & Surgeries

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Save Upto 10% on Health Insurance Premium~~

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    Who is not eligible for Global Coverage add-on?
    NRI/NRO/OCI/PIO/Individuals with dual citizenship/Foreign Nationals/People employed or planning overseas employment/Students enrolled or planning to register with foreign universities will not be offered Global coverage as per current Underwriting rules of the company.

    What is Care Operation Mediclaim

    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.

    Plan Highlights of Care Operation Mediclaim

    • Get coverage for all defined surgical procedures
    • Lifetime coverage benefit with additional no-claim bonus advantage
    • Indemnity-based operations plan with flexible customisation
    • Coverage for pre and post-hospitalisation medical expenses and daycare procedures
    • Organ donor cover up to a specified amount  

    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

    See all Sum Insured Options east

    KEY FEATURES 10, 25, 50, 100 & 200 L
    In-Patient Care
    info 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
    info 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
    info 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
    info 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
    info 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
    info 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
    info 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
    info 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)*
    info 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
    info Covers expenses for consultation from international medical experts excluding India
    Once per Covered Condition per policy year
    Health Services
    Quick Recovery Counseling
    info 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
    info 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
    Brochure

    Download the Brochure for Care Operation Mediclaim Complete Plan Details

    Download Care Operation Mediclaim complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Care Operation Mediclaim Details

    • 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

    24800+Health Care Providers Serving Cashless Medical Services Across The Globe

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    24800+ Health Care Providers Across The Globe
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    Voice of our Customers

    R
    Rashmi December 01, 2023
    Operation Mediclaim
    5

    Quick response, satisfied with soluton

    fast claims settlement with minimal interference of agent directly connected with hospital and insurance team
    MA
    Mehroon Ansari December 01, 2023
    Operation Mediclaim
    5

    Good operation assistance policy

    I am really impressed by the benefits of operation insurance, infact I would recommend you to buy this Plan to everyone.
    JD
    Jyoti Dua December 01, 2023
    Operation Mediclaim
    5

    Helpful Support Team

    Fahad from the claim team helped me in getting claim. They were patient
    J
    Jaspreet December 01, 2023
    Operation Mediclaim
    4

    Happy client from Mussorie

    Nice service and fast claims settlement and happy to see instant support received from mussorie team happy
    S
    Sanjana December 01, 2023
    Operation Mediclaim
    5

    Best plan

    Never thought a health insurance would also cover surgeries Could be made possible because of Care Health Insurance THANK YOU CARE
    Rahul Sangwan

    My appreciation for your prompt service

    Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

    Rahul Sangwan

    Health Insurance

    Samanway Barik

    We will continue to avail of your scheme

    I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

    Samanway Barik

    Health Insurance

    Soubhagya K Kulkarni

    Everything went very smooth

    Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

    Soubhagya K Kulkarni

    Health Insurance

    Vaibhav Rai

    Really helpful explaining the process in advance

    Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

    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.

    Awarded As Claims

    Best Health Insurance
    Company of the Year*

    Total Claims Paid

    48 Lakh + Claims Settled**

    Cashless Claim

    24800+
    CASHLESS HEALTHCARE PROVIDERS^^

    **Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

    FAQs About Care Operation Mediclaim

    Q. Does a health insurance policy cover surgeries?

    Yes, health insurance policies provided by various insurers cover surgical costs for daycare procedures and surgeries that require hospitalisation.

    Q. Can you buy a dedicated policy only for surgeries?

    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.

    Q.Do you need to take a pre-medical check-up to buy Operation Mediclaim?

    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.

    Q. How will you know if your condition is covered under Operation Mediclaim?

    To know which surgeries are covered under your Operation Mediclaim Policy, refer to the policy documents of your insurance plan.

    Q. If you undergo a surgical process that does not require hospitalisation, will it be covered under your policy?

    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.

    Q. Can you pay operation mediclaim premium in easy instalments?

    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.

    Q. What is the ideal sum insured for surgeries?

    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.

    Q. Does Operation Mediclaim cover cosmetic surgeries?

    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.

    ~Tax benefit is subject to changes in tax laws. Standard T&C Apply

    ^^Number of Cashless Healthcare Providers as of 31st March 2024
    **Number of Claims Settled as of 31st March 2024
    ~~10% discount is applicable for a 3-year policy

    Brochure

    Download the Brochure for Care Operation Mediclaim Complete Plan Details

    Download Care Operation Mediclaim complete plan details

    Read Through it!
    Get Complete Policy Details in the Brochure With Our Expert Assistance!

    Secure Your Finances Now!

    Get the best financial security with Care Health Insurance!

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