Care Operation Insurance Plan: Check Benefits and Coverage
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Care Operation Insurance

Care Operation Insurance Plan is designed specifically to offer you su ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

About Care Operation Insurance

A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.

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

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
5 to 50 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹10 L, ₹25 L, ₹50 L, ₹1 L, ₹2 L
Waiting period
90 days
Renewability
Lifetime
Policy term
1,2,3 Years

*Initial Waiting Period is the time 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Health services
  • Air Ambulance cover
  • Chemotherapy cover

Cons

  • Illegal activities
  • Alcohol abuse
  • Obesity treatments

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

Care Operation Insurance Plan Benefits

The list of benefits offered by the Care Operation Insurance policy are:

  • International Second Opinion

    You can avail of a second medical opinion worldwide (except for India and listed conditions). This benefit is available to you once every policy year for one illness or surgery.

  • Chemotherapy and Radiotherapy Cover

    If you are diagnosed with cancer, the Care Operation Insurance Plan offers coverage beyond the regular in-patient hospitalization. Chemotherapy and radiotherapy treatments are covered under the plan up to specified sub-limits.

  • Dialysis Cover

    Care Operation Insurance plan goes beyond the usual post-hospitalization cover, offering coverage for certain procedures like dialysis up to the maximum sum insured.

  • Air Ambulance Cover

    Avail of emergency air ambulance in the policy schedule up to specified sub-limits. However, to avail of air ambulance your doctor must specify the severity of your illness and mention the need for emergency air ambulance when required.

  • Health Services

    Undergoing intense treatments or surgeries drains you mentally and emotionally. Care Operation Insurance policy provides you with health services like quick recovery counselling, a doctor on call, and a health portal.

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Care Operation Insurance Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Listed ailments after 24 Months
  • Pre-existing diseases after 3 Years

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 5 Years
  • Max entry age: 50 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

Other features & benefits

Conclusion

Undergoing any kind of surgical procedure can be difficult both mentally and financially. To prepare you for such medical events, the 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 Operation Insurance: FAQs

The 5 most-asked questions about Care Operation Insurance, answered.

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.
The features available under the Care Operation Insurance Plan Daycare Treatment Organ Donor Cover Second Medical Opinion International Cover Wellness Services, etc
Up to 6 family members can be covered under the Care Operation Insurance Plan.
Sum insured options available for you are 10 L, 25 L, 50 L, 1 Crore, 2 Crore
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.

Conclusion

Hospitalization expenses, pre and post expenses, chemo and radiotherapy cover, dialysis and ambulanc

Explore Care Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 9 Jan 2024 · Originally published: 19 Nov 2024

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