From the battlefield amputation of ancient times to the minimally invasive procedures today - surgery has undergone a remarkable evolution. But, one thing remains constant: the hope for it to be always successful. Surgery plays a vital role in modern medicine, from repairing a broken bone to transplanting a heart. Investing in health insurance for surgery ensures your hard-earned savings are untouched.
Now, here comes the most anticipated question.
What is Health Insurance for Surgery?
Also known as operation insurance, it is a specially designed insurance plan for surgery. It helps you to manage the financial burden of the surgical procedures. The coverage can be extended to both major surgeries that require hospitalisation and daycare procedures performed.
We have listed some of the best health insurance plans that cover surgical costs at a high sum insured option.
Plan Name | Sum Insured | Add-on Features |
---|---|---|
Care Operation Mediclaim Policy |
Upto INR 2 Crores | In-patient care, Pre- hospitalisation, Day care treatment |
Niva Bupa Aspire |
Upto INR 1 Crore | Ambulance coverage, pre and post-hospitalisation, organ donor |
Manipal Cigna ProHealth Prime Active |
Upto INR 15 Lakhs | AYUSH covered, organ donor coverage, road ambulance, premium waiver benefit, and much more. |
Aditya Birla Activ One |
Upto INR 2 Crore | Room rent, ICU charges, pre and post-hospitalisation, organ donor expenses |
Young Star Policy |
Upto INR 1 Crore | Room rent, hospital cash benefit, pre and post-hospitalisation, daycare treatment |
Right now you know the plans and many other vital points about health insurance for surgery. Have a look at the eligibility criteria for the plans.
PS- This is just general information, check the plan for a detailed understanding of the eligibility.
Entry Age | Minimum: 18 Years Children: 3 Months to 25 Years |
---|---|
Adult Entry Age | Maximum: 65 Years |
Policy Term | 1/2/3 Years |
Renewability | Lifelong |
Initial Waiting Period | 30/90 Days |
Pre-existing Diseases | Covered after a waiting period |
Are you wondering if Health insurance for surgery is the right health plan for you? We are here to help you navigate through it. Keep reading to learn more:
Once you have decided which plan to buy, follow the steps below to get your IRDAI-certified health insurance for surgery:
Visit PolicyX.com
Click on 'Health Insurance' on the top bar to explore health insurance plans for surgery
Choose your ideal health plan
Click on the 'Get Quotes' option and fill in your details as asked
The agent will call you in case confirmation is required
Once confirmed, you will get the policy documents
FYI- Almost, every health insurance plan covers surgery, but you need to check and understand whether the plan meets your requirements or not.
Now you understand the concepts and benefits of surgical health insurance. There are many illness that requires surgical treatment. So, if you are someone having a family history of some major ailments, then you should buy a health insurance plan for surgery.
In case of any query or doubt, you can call our insurance experts at PolicyX.
Yes, most health insurance plans cover surgical procedures. However, there are cappings and sub-limits attached to the same.
Yes, plans like Care Operation health insurance are the dedicated plans for surgery.
The entry age for adults and dependent children is mentioned below: Minimum: 18 Years (Adults) and 3 Months (Children) Maximum: 65 Years (Adults) and 25 Years (Children)
Yes, generally health insurance comes with an initial waiting period of 30 to 60 days and surgery insurance plans are no exception.
Yes, pre-existing diseases are covered in health insurance for surgery. However, the insured individual is required to serve a waiting period before doing so.
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An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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