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Health insurance can help you save tax under section 80D

Operation Insurance

A Mediclaim policy that comprehensively covers expenses related to Surgical procedures

Plan start at 448/month*
For 25 Lakh
Cover Spend Only
448/month*
No medical check-up required
CASHLESS TREATMENT ACROSS 6000+ HOSPITALS
LOW PREMIUM & HIGH COVERAGE
COVERS ALL DEFINED SURGICAL PROCEDURES
EASY INSTALLMENT OPTIONS AVAILABLE
Are you interested in our plan?
  • Surgical Procedures - Operation Mediclaim Benefits

    Surgical Procedures: Coverage for defined surgical procedures #

    Coverage for defined surgical procedures #

  • In-Patient Hospitalization - Operation Mediclaim Benefits

    Pre Hospitalization & Post-Hospitalization: Covers medical expenses 30 days before hospitalization and 60 days after discharge.

    Covers medical expenses 30 days before hospitalization and 60 days after discharge.

  • Lifelong Renewability - Operation Mediclaim Benefits

    Lifelong Renewability: Insured can enjoy coverage for lifetime as long as policy renewals.

    Insured can enjoy coverage for lifetime as long as policy renewals.

  • Equated Installments - Operation Mediclaim Benefits

    Equated Installments: Making Health Insurance Affordable. Pay your premium in Monthly/Quarterly Installments.

    Making Health Insurance Affordable. Pay your premium in Monthly/Quarterly Installments.

  • Indemnity Based Plan - Operation Mediclaim Benefits

    Indemnity Based Plan: Reimburses actual amount incurred as expenses during a hospitalization stay and medical expenses up to the sum insured.

    Reimburses actual amount incurred as expenses during a hospitalization stay and medical expenses up to the sum insured

  • No Claim Bonus - Operation Mediclaim Benefits

    No Claim Bonus: 50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy.

    50%/25%/25% corresponding increase in SI for 1st ,2nd , 3rd claim free policy.

  • Quick Recovery Counselling - Operation Mediclaim Benefits

    Quick Recovery Counselling: Consultation expenses incurred towards psychologist/mental health sessions are covered.

    Consultation expenses incurred towards psychologist/mental health sessions are covered.

  • Room Rent - Operation Mediclaim Benefits

    Room Rent: Room rent modification as per specified sum insured.

    Room rent modification as per specified sum insured.

  • International Second Opinion - Operation Mediclaim Benefits

    International Second Opinion: Covers expenses for consultation from international medical experts excluding India

    Covers expenses for consultation from international medical experts excluding India

  • Air Ambulance - Operation Mediclaim Benefits

    Air Ambulance: Avail air ambulance service up to specified amount and severity of illness

    Avail air ambulance service up to specified amount and severity of illness

More Features
Plan Name OPERATIONS MEDICLAIM
Sum Insured 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Benefits
In-Patient Up to Sum Insured
Day Care Treatment Listed as per the Plan, Up to Sum Insured
Pre Hospitalization & Post-Hospitalization 30 days/60 days
Ambulance Cover Up to Rs 3000 per hospitalization
Organ Donor Cover Up to SI or 15 L whichever is lower
Second Opinion Once per Covered Condition per Policy Year
Annual Health Check-up Annual from 2nd Policy Year on Continuous Coverage
No Claims Bonus(NCB)* 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI(50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB)
International Second Opinion# Once per Covered Condition per policy year
Room Rent Eligibility Single Private Room / No limit^
ICU Charges No Limit
Air Ambulance Cover# Up to Rs. 5 Lakhs
Health Services
Quick Recovery Counseling Up to Rs. 1000/- per session; Maximum 8 per policy year (max. twice a month)
Doctor on Call Yes(Telephonic/Online Mode)
Health Portal Value added services through Company’s Website
Global Coverage: Coverage outside India - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year. Up to SI; only for SI >=1Cr (Limited to In-Patient Care and Day Care treatment) with a Co-payment of 10% per Claim

#Optional Benefit. ^with optional benefit Room Rent Modification.

More Benefits
Plan Name OPERATIONS MEDICLAIM
Sum Insured 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Entry Age 5 years to 50 years on Individual basis
Pre-policy Issuance Medical Check up No Medicals##
Tenure 1/2/3 Years
Premium Payment Mode*** Single/Monthly
Room Rent Eligibility Single Private Room / No limit^
ICU Charges No limit
Wait Period:
Initial Waiting Period 90 Days
Specific ailment Waiting Period 24 Months
PED Waiting Period 48 months

*** Terms and Conditions Applicable #Optional Benefit. ^with optional benefit Room Rent Modification. ##at the discretion of the Underwriter. Note: Other SI / Age band options also available.

The Insured Person may access health related information and services such as health risk assessment, Doctor on chat, Special rates for OPD, Diagnostics and Pharmacy through Network Providers , etc as available on the Company's website.

Salient Features

  • Search the best deal in your location
  • Discount on all Healthcare and wellness services like Doctor Consultations, Diagnostics, Pharmacy, Dental Consultation and treatment
  • Comprehensive details on Doctors like qualification & appointment details.
  • Access to Right Healthcare Service, at right time and place.
  • Symptom tracker
  • Ailment to specialty tracker
  • Automated discount coupon download
  • 24x7 on call support

Why Choose RELIGARE HEALTH INSURANCE?

One serious illness in the family and your financial planning goes for a complete toss. We do understand this and therefore promise stability and lifelong commitment to your well-being. Religare Health Insurance offers a comprehensive medical solution for you and your loved ones. Health is wealth, and it’s time you knew!

Don’t let surgeries cut your savings

Customer Testimonials

FREQUENTLY ASKED QUESTIONS

Super Mediclaim is an Indemnity based Health Insurance Product that offers comprehensive coverage against critical illnesses such as cancer, major heart ailments, organ transplants & even critical surgeries. It gives the flexibility to choose from among 4 Plans basis your requirement.

  • Critical Mediclaim: A plan that covers 32 defined critical illnesses.
  • Cancer Mediclaim: Comprehensive coverage for a wide-range of different type of cancer ailments.
  • Heart Mediclaim: A plan that covers 16 Critical Heart related Illnesses
  • Operation Mediclaim: A plan that offers coverage for wide array of defined surgeries.
FIXED BENEFIT CI PLANS
  • Fixed Benefit plans usually come with a pre-defined survival period (which is the minimum time for which an Insured has to survive post diagnosis of any ailment). This is a mandatory requirement to claim.
  • Severity based claim payment procedure. An insured might not be eligible to claim unless; an illness has not reached a pre-defined severity.
  • Usually Policy does not pay more than the given sum insured in the entire insured member’s lifetime.
  • In most cases the policy is terminated on exhaustion of Sum Insured and cannot be continued further.
INDEMNITY CI PLANS
  • Super-mediclaim plans do not come with any Survival period.
  • Insured person is eligible for claim on the diagnosis of Critical Illnesses of Low Severity.
  • Even if the Sum Insured amount is exhausted in a policy year, the same is reinstated upon renewal. This way a customer can potentially claim an amount equal to the sum insured every year till he/she lives.
  • Every plan in Super Mediclaim comes with Lifelong Renewability

As against a Regular Health Insurance Cover, Super Mediclaim via its tailored-need based plans endeavors to offer comprehensive coverage for critical illnesses that in today’s era are considered to be the most expensive.

Plans under the product – ‘Super Mediclaim’ would be more affordable than a plan with the same Sum Insured amount of a regular Health Insurance. What makes it even easier to afford is that the fact that premium can be paid in easy installments.

  • Indemnity Based Product
  • Affordable as compared to regular health insurance plans.
  • Comes with lifelong Renewability: which means the sum insured is available every year & it also helps one financially in case of a re-lapse of an ailment.
  • Offers the option to pay premium in easy EMIs.
  • Feature to avail counseling from a psychologist through Our ‘Quick Recovery Counseling’
  • Feature to double Your Sum Insured via No Claim Bonus in 3 consecutive claim-free years
  • Option of Premium Features like International second opinion, Air ambulance cover & Room rent Modification

Yes. Super Mediclaim comes with Lifelong Renewability which means once enrolled a person could continue to avail benefits throughout their lifetime (provided policy is renewed timely).

  • 5 Years to 50 years on individual Basis
  • Maximum renewal age: Lifelong

Super Mediclaim provides you the flexibility of paying the premium in Monthly or Quarterly Installments when your policy tenure is 2/3 years.

The option to avail EMIs for premium payment can be opted only at the time of purchase of policy & remains the same throughout policy year.

Upon choosing EMIs as the premium payment mode, if a claim is filed, then the remaining amount of EMIs for the policy year will be deducted from the total claim payable amount.

a) Quick Recovery Counseling:
  • Psychiatric Counseling available for Insured member or adult family member to deal with post hospitalization Trauma
  • Available after IPD claim has been accepted
  • Maximum 8 Times in a Policy Year, up to 2 times in a month
  • Up to Rs.1000 per session

b) Doctor on Call: You may seek medical advice from a Medical Practitioner through the telephonic or online mode by contacting us on the helpline details specified on Our website.

c) Health Portal: The Insured Person may access health related information and services such as health risk assessment, Doctor on chat, Special rates for OPD, Diagnostics and Pharmacy through Network Providers, as available on the Company’s website.

Super Mediclaim comes with an enhanced version of No claim Bonus. In the first Claim free year, there is a 50% increase in base Sum Insured. In Claim free 2nd & 3rd year there will be is 25% corresponding Increase on base SI. Thus 50%/25%/25%-Corresponding increase in SI for 1st, 2nd and 3rd continuous claim-free/ Policy Years respectively, Max up to 100% of SI. 50%/25/25%-Corresponding decrease in SI per Policy Year in case a claim has been paid.

Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.

Yes if a 2 or 3 year Policy is bought on Single Payment Frequency.

*Sum Insured – Rs. 25 Lakhs, Age – 18 to 25 years, Monthly Premium Payment Mode including optional benifit(Room Rent Modification), Policy Period – 2 years. Exl GST.

Award at the Insurance India Summit & Award 2018

# Surgery/Surgical Procedure means manual and/or operative procedure(s) required for treatment of an Illness or Injury, correction of deformities and defects, diagnosis and cure of diseases, relief from suffering or prolongation of life, performed in a Hospital or a Day Care Centre by a Medical Practitioner.

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