Care Operation Insurance Plan

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:

• Private Single AC Room
• Twin Sharing
• General Ward

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?

The Care Operation Insurance Plan does not cover COVID-19.

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.

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:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

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.