Health Insurance For Surgery
  • Top health plans for surgery
  • Eligibility Criteria
  • Things to know
Health Insurance For Surgery
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What is Health Insurance for Surgery?

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.

Health Insurance Plans for Surgery

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

Eligibility Criteria for Surgery Insurance

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

Who Should Purchase Health Insurance For Surgery?

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 someone with a family history of critical illnesses or ailments
  • Suffering from or previously diagnosed with any serious ailments related to any organ of the body
  • If you want adequate sum insured coverage for expensive surgeries and procedures
  • For those who want to be covered for post-operation care with health insurance for surgery
  • If you are looking for a health plan covering you for a wide variety of surgical procedures

How to Purchase Your Surgery Health Insurance?

Once you have decided which plan to buy, follow the steps below to get your IRDAI-certified health insurance for surgery:

  • Step 1

    Visit PolicyX.com

  • Step 2

    Click on 'Health Insurance' on the top bar to explore health insurance plans for surgery

  • Step 3

    Choose your ideal health plan

  • Step 4

    Click on the 'Get Quotes' option and fill in your details as asked

  • Step 5

    The agent will call you in case confirmation is required

  • Step 6

    Once confirmed, you will get the policy documents

Things to Keep in Mind When Buying a Health Insurance

  • Check the procedures of surgery which are covered.
  • Talk to your doctor to understand your health care needs.
  • Check the inclusions and exclusions of your health insurance plan.
  • Check the network hospitals of your insurer.
  • Understand the additional benefits you are getting from the plan.

FYI- Almost, every health insurance plan covers surgery, but you need to check and understand whether the plan meets your requirements or not.

Bottom Line

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.

Health Insurance For Surgery: FAQ's

1. Does a health insurance plan cover surgical procedures?

Yes, most health insurance plans cover surgical procedures. However, there are cappings and sub-limits attached to the same.

2. Is there any dedicated health insurance plan that covers the cost of surgery?

Yes, plans like Care Operation health insurance are the dedicated plans for surgery.

3. What are the eligibility criteria for health insurance 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)

4. Are there any waiting periods involved with surgical health insurance?

Yes, generally health insurance comes with an initial waiting period of 30 to 60 days and surgery insurance plans are no exception.

5. Are pre-existing diseases covered with surgical health insurance?

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 Kaur Vij

Written By: Simran Kaur Vij

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.