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Get coverage for expensive surgeries
Receive treatment at top hospitals
Protect your savings from taking a hit
Health insurance provides coverage for a range of medical expenses, including hospitalisation, OPD treatment, ambulance charges, etc. It also covers medical procedures, including operations and surgeries. Health insurance that covers operations and surgeries is also known as operation insurance and surgery insurance. Note that some operations and surgeries are covered by your health policy while you need to buy an add-on to cover certain surgeries.
When you buy medical insurance for surgery, you get a host of benefits. These include:
Access to top hospitals
With health insurance, you can visit network hospitals and receive quality care. You can focus on getting better instead of worrying about high costs.
Protect your savings
Without operation insurance, surgery costs can empty your savings. Health insurance for surgery helps you save money for other needs and keeps your family financially secure.
Offers peace of mind
When you have health insurance that covers surgeries, you feel more secure. You know that if a sudden surgery is needed, your insurance will help. This removes a lot of stress during tough times.
Apart from the benefits mentioned above, there are several other advantages of having operation insurance. These include:
With health insurance for surgery, you don’t have to worry about paying hospital bills during surgery. You can get cashless treatment at network hospitals.
Depending on the policy’s terms and conditions, you get coverage for pre- and post-hospitalisation expenses. This further reduces the strains on your finances.
Many medical insurance policies for surgery also cover ambulance expenses. You don’t have to pay separately for ambulance charges during an emergency. This gives quick and worry-free access to care.
The various surgeries covered under health insurance for surgeries are through the plan and via add-ons are as follows:
Note: These are just indicative figures. The actual cost may vary depending on your line of treatment. Also, go through the policy wordings to know the surgeries covered by your policy.
While the specifics of the eligibility criteria for health insurance for surgery may differ across insurers, generally, it revolves around these:
You need to be within a specific age bracket to be eligible for the policy. Make sure you meet the minimum and maximum age criteria.
Insurers may review your medical history before issuing a policy. You might need to undergo a medical check-up if necessary.
Eligibility criteria may also depend on the type of policy you wish to purchase. It may differ for an individual policy and a family floater plan.
The important things that you should be mindful while buying health insurance for surgery are as follows:
Before buying, check what the operation insurance actually covers. Some policies cover only specific surgeries, while others cover a wide range of procedures. Ensure the plan aligns with your medical needs.
Your surgery insurance policy may have a waiting period before you can make a claim. Read this section carefully to understand when the benefits will begin. It helps you avoid surprises later.
Learn how to file a claim in case you need surgery. Ensure to follow all the vital steps for a smooth claim process.
Read about what the policy does not cover. Some plans may not cover cosmetic or pre-existing conditions. Knowing this helps you make a smarter choice.
Buying health insurance for surgery online is simple and straightforward. To purchase online:
There are two ways to make a claim - cashless and reimbursement. The process for both is given below:
The table captures the differences between operation insurance and health insurance on various aspects:
Yes. The premium you pay towards health insurance that covers surgery or operation qualifies for tax benefits under Section 80D of the Income Tax Act. However, this benefit is available under the old tax regime and not the new one.
It depends on policy underwriting. Based on the information you provide in the proposal form, including your age, pre-existing medical conditions, etc., the insurer may ask you to undergo a medical check-up.
Consider your age, health risks, present medical conditions and the estimated cost of surgery. Also factor in medical inflation while determining the coverage amount.
Yes. You can renew your operation insurance policy just like a regular health insurance policy. You can renew online by paying the renewal premium.
It’s essential for policy underwriting, and doing so helps ensure a smooth application process. Also, it helps avoid claim rejection during claims settlement.
It varies across insurers. Insurers may offer discounts if you buy a multiple tenure policy. Once you buy such a policy, the premium remains locked throughout the policy tenure.
You can receive a discount by purchasing a multi-tenure policy. However, the discount is subject to the insurer’s discretion and may change over time.
Go through the policy wording to know if your surgery is covered under the plan or not. Alternatively, you can also call your insurer to know if a specific procedure is covered.
The information provided in this page is for educational and informational purposes only. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure / policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.
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