Care Operation Insurance

Overview

The Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available, ranging from ₹10 Lakhs to ₹2 Crores.

Other features associated with the Care Operation Insurance Policy include:

• Lifetime Coverage Benefit
• Additional No-claim Bonus
• Flexible Customization
• Pre and Post Hospitalization Cover
• Organ Donor Cover

The Care Operation Insurance Plan is available on an individual and family floater basis. You can cover up to 6 family members under the plan. The minimum entry age for an individual member is 5 years, and the maximum is 50 years.

Explore more details about the Care Operation Insurance Policy below.

Care Operation Insurance Plan Benefits

The Care Operation Insurance policy offers the following benefits:

• International Second Opinion

  You can avail of a second medical opinion worldwide (except for India and listed conditions). This benefit is available once every policy year for one illness or surgery.

• Chemotherapy and Radiotherapy Cover

  If you are diagnosed with cancer, the Care Operation Insurance Plan offers coverage beyond regular in-patient hospitalization. Chemotherapy and radiotherapy treatments are covered under the plan up to specified sub-limits.

• Dialysis Cover

  The Care Operation Insurance Plan goes beyond the usual post-hospitalization cover, offering coverage for certain procedures like dialysis up to the maximum sum insured.

• Air Ambulance Cover

  Emergency air ambulance services are available as per the policy schedule, up to specified sub-limits. However, to avail of an air ambulance, your doctor must specify the severity of your illness and the need for emergency transport.

• Health Services

  Undergoing intense treatments or surgeries can be mentally and emotionally draining. The Care Operation Insurance policy provides you with health services like quick recovery counseling, a doctor on call, and access to a health portal.

Exclusions

General Exclusions

The Care Operation Insurance Plan does not cover the following permanent diseases or health conditions:

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• HIV/AIDS
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization

Waiting Periods

Certain diseases and treatments are covered under this plan after a specific waiting period:

• Listed ailments: 24 months
• Pre-existing diseases: 3 years

Conclusion

Undergoing any kind of surgical procedure can be difficult both mentally and financially. The Care Operation Insurance Plan is designed to prepare you for such medical events.

You are covered for not only basic hospitalizations but are also entitled to benefits like air ambulance, international second opinion, room rent modifications, and more.

To know more about the Care Operation Insurance Plan, contact our PolicyX insurance experts at 1800-4200-269.