Care Operation Insurance Plan: Check Benefits and Coverage
Care Health Insurance Care Health Insurance ★ 4.4

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
🛡️ IRDAI Approved
4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
97% claim settlement

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.

Why Do We Recommend This?
  • Lifetime Coverage Benefit
  • Additional No-claim Bonus
  • Pre and Post-hospitalization Cover

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

A quick look at what this plan covers — and what it doesn't.

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 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.

Know More About Network Hospitals →

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

Frequently Asked Questions

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

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Written and reviewed by

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

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