Undergoing any kind of surgery can be a mentally, physically, and financially exhausting task. One of the prime reasons to invest in health insurance plans for surgery is to have adequate financial backup for such situations.
While base health insurance plans cover multiple surgical procedures as per their policy schedules, there might be certain sub-limits attached to them. However, with surgical health insurance, the sum insured available is dedicated to surgical procedures or operative care prescribed by your doctor.
This article explores multiple aspects of health insurance for surgery:
A lot many times the road to recovery starts with a surgical procedure for many. Medical insurance for surgery covers you for long-term and expensive surgeries required to cure various ailments. Not only does it cover you for surgeries but also additional expenses like post-operative care, in-patient hospitalization, etc.
Now that we have gathered some information on what health insurance for surgery is, let us further shed light on the eligibility of these plans.
The eligibility criteria for surgical health insurance are similar to that of base health insurance plans but vary as per insurance providers.
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 |
You have now planned to purchase surgical health insurance, but are wondering what are the inclusions in the same. Your search is over, as we uncover the inclusions and exclusions in health insurance for surgery:
Inclusions | Exclusions |
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In-patient hospitalization | Self-inflicted injuries |
ICU expenses | HIV/AIDS |
Daycare procedures | Cosmetic Procedures |
Emergency Ambulance | Change of Gender Treatments |
Organ Donor Expenses | Maternity Expenses |
Medical Second Opinion | AYUSH Treatments |
OPD cover | Unproven Treatments |
Diagnostics | Injuries due to Substance/Alcohol Abuse |
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:
If you are investing in surgical health insurance, you are entitled to the following advantages:
You can purchase health insurance for surgery in the following simple steps
There are certain factors people must consider before investing in health insurance for surgery.
Now that we have understood the workings and concept of surgical health insurance it is easier to make a purchase decision. It is common knowledge that medical ailments are uninvited. Many illnesses require you to undergo surgeries which can be a costly affair, without the correct health insurance plan for surgery.
If you are someone with a family history of major ailments like cancer, heart ailments, etc. do not ignore health plans which cover the cost of surgeries.
For any questions about surgical health insurance or if you are simply comparing health insurance plans, connect with insurance experts at PolicyX.
Yes, most health insurance plans cover surgical procedures. However, there are cappings and sub-limits attached to the same.
Yes, health insurance for surgery is a dedicated plan that will cover you and your family members against operative treatments deemed necessary by the doctor.
The entry age for adults and dependent children is mentioned below:
Yes, surgical health insurance requires you to serve a certain waiting period of 30 days.
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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Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.