Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ranging between INR 10 Lakhs to 2 Crores.
Other features associated with the Care Operation Insurance Policy are:
Care Operation Insurance Plan is available on individual and family floater basis. You can cover up to 6 family members under the plan where the minimum and maximum entry age is 5 and 50 years respectively, on an individual basis.
Explore more details on the Care Operation Insurance Policy
Use the eligibility criteria given below for reference to understand if you and your family members are eligible to be covered by the plan.
Entry Age
Minimum: 5 Years
Adult Age
Maximum: 50 Years
Sum Insured
10 L | 25 L | 50 L | 1 Cr | 2 Cr
Plan Type
Individual & Family floater
Policy Term
1/2/3 Year
Initial Waiting Period
90 Days
*The initial waiting period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan*
The list of benefits offered by the Care Operation Insurance policy are:
As per the policy schedule, you can opt for the following sum insured along with the given coverage benefits.
In-patient & Out-patient coverage
Room Rent
Covered up to SI
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered for up to 30 days
Post-Hospitalization
Covered for up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered up to SI
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Applicable, 50% up to a maximum of 100% of SI
Automatic Restoration
Not Applicable
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered up to SI
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Not Applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, the room rent is covered up to SI.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, ICU charges are covered up to SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, pre-hospitalization is covered for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Care Operation Insurance Plan?
Care Operation Insurance Plan covers medical expenses incurred during post-hospitalization for 60 Days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Care Operation Insurance Plan?
The Care Operation Insurance Plan does not cover domiciliary hospitalizations.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Care Operation Insurance Plan?
Care Operation Insurance Plan covers the expenses of all daycare procedures up to SI.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Care Operation Insurance Plan?
OPD charges are not covered under the Care Operation Insurance Plan.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Care Operation Insurance Plan?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under Care Operation Insurance Plan?
Care Operation Insurance Plan does not cover Cataract Treatment
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Care Operation Insurance Plan?
Care Operation Insurance Plan offers a 50%/ 25%/ 25% increase in SI for the 1st, 2nd, and 3rd claim-free years respectively, maximum up to 100% of SI.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Care Operation Insurance Plan?
Care Operation Insurance Plan does not offer automatic restoration benefits.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Care Operation Insurance Plan?
Daily hospital cash is not available under the Care Operation Insurance Plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, organ donor expenses are covered up to SI or 15 L, whichever is lower.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, maternity cover is not available.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, a newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, AYUSH treatments are not covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, IVF is not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, modern treatments are covered by up to 50% of SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, ambulance cover is covered up to INR 3000 per hospitalization
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, the air ambulance is covered up to INR 5 Lakhs.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, global coverage is covered up to SI.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, e-consultation is not covered.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Care Operation Insurance Plan?
Under the Care Operation Insurance Plan, a health check-up is covered annually from 2nd policy year on continuous coverage.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Care Operation Insurance Plan?
Care Operation Insurance Plan covers a second medical opinion once per policy period for one illness/surgery.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Care Operation Insurance Plan?
The Care Operation Insurance Plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Care Operation Insurance Plan?
A 10% co-pay is applicable under the Care Operation Insurance plan on availing international coverage.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under Care Operation Insurance Plan?
Sub-limits are not applicable under the Care Operation Insurance Plan.
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 20800+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Permanent diseases or health conditions that are not included under Care Supreme Plan Health Insurance are:
Injury or diseases caused due to involvement in illegal activities
Hospitalization caused due to adventure sports
Change of gender treatments
Plastic surgeries or cosmetic treatments
Treatment for obesity
Pre-Existing Diseases 48 months
Specific Ailments 24 months
Undergoing any kind of surgical procedure can be difficult both mentally and financially. To prepare you for such medical events Care Operation Insurance Plan is designed.
You are covered for not only basic hospitalizations but also are entitled to perks 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.
Care Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
Flexible
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
Comprehensive
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Affordable
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
Maternity
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Standard
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Diabetes & BP
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
Heart Diseases
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
Cancer Care
Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.
Unique Benefits
Top-Up Plan
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
Senior Citizen Plan
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Critical Illness Plan
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
Supreme Plan
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
Supreme Plan
A unique personal accident plan covering serious ailments arising due to accidents and safeguarding your family
Unique Benefits
Supreme Plan
This plan is exclusively designed to provide 32 defined critical illness treatment cover to the policyholders and also offers psychiatric counselling.
Unique Benefits
1. What Is a Care Operation Insurance Plan?
This plan is specially designed to help you undergo major medical surgeries financially. Care Operation Insurance Policy is available to individuals between 5 to 50 years with sum insured options between 10 L to 2 Crores.
2. What are the features available under the Care Operation Insurance Plan?
The features available under the Care Operation Insurance Plan
3. How many family members can be covered under the Care Operation Insurance Plan?
Up to 6 family members can be covered under the Care Operation Insurance Plan.
4. What are the sum insured options available under the Care Operation Insurance Plan?
Sum insured options available for you are 10 L, 25 L, 50 L, 1 Crore, 2 Crore
5. What is the no-claim bonus available under the Care Operation Plan?
Care Operation Insurance Plan offers a 50%/ 25%/ 25% increase in SI for the 1st, 2nd, and 3rd claim-free years respectively, maximum up to 100% of SI.
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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.
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