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?

21,100+ CASHLESS HEALTHCAREPROVIDERS^^
95.2% INSURANCE CLAIMSETTLEMENT RATIO*
30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

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

Lifelong
Renewability

No Claim Bonus

Surgical Procedures

Room Rent Modification

Benefits of Operation Insurance

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

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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

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.