ऑपरेशन इंश्योरेंस

सर्जरी के लिए स्वास्थ्य बीमा खरीदने के लाभ

Purchasing health insurance for surgery offers a crucial economic shield and peace of mind. It guarantees you receive necessary medical treatments without the hurdle of overwhelming costs. Here are the key benefits:

• Economic Protection: Health insurance for surgery covers all the medical expenses, reducing the need to pay out-of-pocket for expensive procedures.
• Access to Quality Care: Insurance plans usually give you access to their top network hospitals and skilled surgeons.
• Emergency Protection: In unpredictable emergencies, insurance helps you get instant surgery without stressing about finances.
• Pre- and Post-Surgery Care: Coverage usually includes diagnostic tests, follow-up treatments, and medications.
• Lower Overall Costs: Insurance significantly lowers the cost of surgery and related services, making healthcare more affordable.

सर्जरी के लिए हेल्थ इंश्योरेंस खरीदने के वैकल्पिक लाभ

You can also choose optional benefits when buying surgery insurance coverage. Below listed are a few optional benefits that you can choose from

• Co-payment Option: By choosing this optional benefit, you will bear a co-payment of 20% per claim, and our liability shall be restricted to the balance amount payable, subject to terms and conditions.
• Unlimited Automatic Recharge: If you ever exhaust your health coverage, we reinstate the entire sum insured unlimited times in a policy year, provided you use the recharge amount only under hospitalisation expenses.
• Air Ambulance Cover: We will pay you up to the amount specified in the Policy for availing air ambulances in India for your transportation from the place of occurrence of a medical emergency to the nearest hospital.
• कमरे के किराये में बदलाव: आपके कमरे के किराये/श्रेणी और ICU शुल्क में कोई प्रतिबंध या सीमा नहीं होनी चाहिए। इस वैकल्पिक लाभ में, हॉस्पिटल में रहने के दौरान आपके पास कमरे के किराये/कमरे की श्रेणी पर कोई सीमा नहीं होगी।

आपको सर्जरी के लिए हेल्थ इंश्योरेंस की आवश्यकता क्यों है?

Surgery may become inevitable for a person suffering from an illness or having a specific medical condition. Surgeries are performed effectively and quickly owing to the technological advancements in healthcare, thus benefiting the patients. A surgical operation demands excellent care, so it becomes crucial to avail yourself of quality treatment at the best hospital. This policy will protect you against many medical costs besides hospital bills. It would offer cover for expenses such as:

• In-patient Hospitalisation- including room rent, operation theatre, and ICU charges
• Day-care treatment, including day-care surgeries
• भर्ती होने से पहले 30 दिनों तक किए गए हॉस्पिटल में भर्ती होने से पहले के मेडिकल खर्च
• डिस्चार्ज के बाद 60 दिनों तक की अवधि के लिए हॉस्पिटल में भर्ती होने के बाद के मेडिकल खर्च

ऑपरेशन हेल्थ इंश्योरेंस प्लान के तहत क्या कवर किया जाता है?

ऑपरेशन बीमा प्लान पॉलिसीधारक द्वारा किए गए विभिन्न सर्जिकल खर्चों से फाइनेंशियल सुरक्षा प्रदान करता है। केयर हेल्थ ऑपरेशन बीमा प्लान के तहत क्या कवर किया जाता है:

• Cover for Defined Surgical Procedures : Our plan makes it easy for you if you have to undergo a surgical procedure. With our best insurance for surgery, you will not have to pay anything out of your pocket.
• Pre-hospitalisation Expenses : We cover medically necessary expenses such as examinations, tests, and medication up to the Sum Insured for 30 days immediately before the date of your hospitalisation.
• Post-hospitalisation Expenses : We cover the medically necessary expenses up to the sum insured incurred for 60 days immediately after your discharge from the hospital and your return home for recovery.
• In-Patient Care : We will pay for medical expenses through a cashless or reimbursement facility up to the Sum Insured, including room charges, nursing expenses, ICU charges, surgeon’s fees, doctor’s fees, anaesthesia, blood, oxygen, OT charges, etc., subject to terms and conditions.
• Daycare Treatment : We will pay through a cashless or reimbursement facility for all listed daycare treatments that require hospitalisation for less than 24 hours, up to the Sum Insured.
• Organ Donor Cover : Organ donor coverage in an operation insurance policy covers the medical costs of organ donation. If the donor is a living person, it involves the donor’s surgery, hospitalisation, and recovery costs. However, the recipient’s costs are usually covered under the policy for transplant surgeries. Reviewing the policy terms is essential, as some policies might involve specific exclusions or requirements related to organ donation.
• Second Opinion : If you are diagnosed with or have undergone/are undergoing any of the covered conditions and feel uncertain about your diagnosis/treatment or wish to get a second opinion within India from a doctor on your medical reports for any other reason, we arrange one for you without any impact on the Sum Insured amount. This second opinion is available to every Insured person, once for each Illness / Surgery per policy year.
• Annual Health Check-up : We offer annual health check-ups on a cashless basis from the second policy year on continuous coverage at our network hospitals for all the insured persons covered under the policy. This Benefit shall be available only once per insured person's policy year.
• No claim bonus : If you filed no claim in the expiring policy year, we raise a cheer to your good health as a bonus for you. At the end of 1st claim-free policy year, we will enhance the Sum Insured by 50%, at the end of 2nd claim-free policy year by 25% and at the end of 3rd Claim free policy year by 25%.

ऑपरेशन इंश्योरेंस के तहत क्या कवर नहीं किया जाता है?

When buying a health insurance policy, checking the list of exclusions is essential. It will give you an idea of the various scenarios where you will not be eligible for a claim. Here is the list of the permanent exclusions of the policy:-

• खुद को चोट पहुंचाने का कार्य, आत्महत्या का प्रयास या आत्महत्या
• शराब/तंबाकू/सिगरेट आदि के सेवन से सीधे संबंधित कोई भी बीमारी।
• HIV/AIDS या कोई अन्य यौन संचारित रोग
• कॉस्मेटिक या प्लास्टिक सर्जरी या संबंधित उपचार
• Pregnancy, miscarriage, childbirth, maternity including C-section, abortion or complications of any of these
• सभी खतरनाक गतिविधियां
• परमाणु, रासायनिक या जैविक हमले या हथियारों के कारण होने वाला नुकसान
• किसी भी आपराधिक उद्देश्य के साथ बीमित व्यक्ति द्वारा कानून के उल्लंघन के कारण होने वाली बीमारी या चोट

ऑपरेशन इंश्योरेंस प्लान के तहत कवर की जाने वाली सर्जरी की सूची

केयर हेल्थ इंश्योरेंस नियम और शर्तों के अधीन लगभग सभी सर्जिकल प्रोसीज़र को कवर करता है। कुछ मानक सर्जिकल प्रोसीज़र की लिस्ट इस प्रकार है:

सर्जरी बीमा प्लान के पात्रता मानदंड

टैबुलर फॉर्मेट में ऑपरेशन बीमा पॉलिसी के पात्रता मानदंड यहां दिए गए हैं:

ऑपरेशन इंश्योरेंस पॉलिसी चुनते समय ध्यान में रखने योग्य मुख्य बातें

Choosing the right health insurance cover is paramount so you can stay worry-free about possible out-of-pocket expenditures. Here are some essential factors you must remember when selecting health insurance for surgery:

• सुनिश्चित करें कि आप पॉलिसी के तहत कवर किए गए सर्जिकल प्रोसीज़र की सूची जांच लें
• ऐसे नेटवर्क हॉस्पिटल्स के बारे में जानें, जहां आप कैशलेस हॉस्पिटल में भर्ती होने की सुविधा का लाभ उठा सकते हैं
• आपके अनुमानित चिकित्सा खर्चों के लिए उपयुक्त कवरेज राशि निर्धारित करें
• प्रतीक्षा अवधि के उपनियम, सब-लिमिट और एक्सक्लूज़न को ध्यान में रखना न भूलें
• सुनिश्चित करें कि आपके द्वारा चुनी गई पॉलिसी में आजीवन रिन्यूएबिलिटी जैसी विशेषताएं हैं
• जांच करें कि क्या प्रीमियम भुगतान के लिए समान किश्तों का विकल्प है
• आपको यह तय करना होगा कि क्या आप इस हेल्थ इंश्योरेंस प्लान को इंडिविजुअल कवर के रूप में या फैमिली हेल्थ इंश्योरेंस प्लान के रूप में चाहते हैं।

ऑपरेशन मेडिकल इंश्योरेंस ऑनलाइन कैसे चुनें?

Buying operation health insurance online is a simple process that does not involve any paperwork. You can get the best health coverage for your medical expenses in a few clicks. Before proceeding, ensure you have assessed your medical needs and estimated costs. 

Now, visit the official website of Care Health Insurance, where you will find the best operation insurance policy. You can pick the sum insured based on your financial requirements. Moreover, you can calculate the premium and pay the amount online. 

सर्जरी के लिए हेल्थ इंश्योरेंस का क्लेम कैसे करें?

Below is the process you can follow to file a cashless or reimbursement claim under your surgery insurance coverage:

Kindly refer to the prospectus for a complete list of procedures covered.

ऑपरेशन बीमा बनाम स्वास्थ्य बीमा के बीच अंतर

Many people gradually realise the importance of buying a health insurance plan to safeguard themselves during medical emergencies. A health plan offers numerous benefits and covers medical expenses not restricted to hospitalisation.While this is true, having specific health coverage for surgery is also essential. It could be possible that your existing health policy becomes insufficient to cover all the expenses you incur due to an illness. Operation insurance coverage is wise as it will provide additional cushioning by covering the surgical procedures defined in the policy document.