MANAGEMENT

Detailed explanation-1: -Surgical expense insurance covers the surgeon’s charge for given operations or medical procedures, usually up to a maximum for each type of operation. Regular medical insurance contracts indemnify the insured for expenses such as physicians’ home or office visits, medicines, and other medical expenses.

Detailed explanation-2: -Are surgeries covered by health insurance? Ans: Yes. Most health insurance plans cover the cost of surgical procedures, including day care procedures and surgeries requiring hospitalization. In fact, some insurance companies offer dedicated operation insurance plans that cover surgical procedures.

Detailed explanation-3: -Cosmetic surgeries like Botox, Liposuction, implants and similar surgeries are excluded from a health insurance policy. You can check with your insurer if you plan to undergo any such surgery during the policy term. Unless it is a part of the treatment, insurance companies do not compensate for such medical procedures.

Detailed explanation-4: -Health insurance covers cost of an insured individual’s medical and surgical expenses. Subject to the terms of insurance coverage, either the insured pays costs out-of-pocket and is subsequently reimbursed or the insurance company reimburses costs directly.

Detailed explanation-5: -Surgery Cash Benefit If the insured member undergoes any surgery from the list of surgeries mentioned in the below table, coverage will be offered depending on the chosen sum insured option. Note: Initial waiting period for the plan is 30 days.