Types of Surgeries Covered by HDFC ERGO Health Insurance

Posted on: Jul 5, 2024 | 3 mins | Written by: HDFC ERGO Team

Types of Surgeries Covered by HDFC ERGO Health Insurance

Surgical procedures are expensive, and a major one can quickly dent your savings. However, if you have a good health plan, your insurance provider will cover your medical bills and ease your financial worries. Keeping the importance of timely and quality healthcare in mind, HDFC ERGO offers a range of health insurance policies to suit different customer requirements. These health plans not only cover minor hospitalisations and medical procedures but some life-saving surgeries as well, thereby easing financial woes during medical emergencies. Let’s take a look at the surgeries covered by HDFC ERGO health insurance policies.

Are surgeries covered by HDFC ERGO health insurance?

Yes, HDFC ERGO health insurance policies cover a range of surgical procedures, such as cataract surgery, joint replacement surgery, organ transplant surgery, and heart surgery. Therefore, if you are looking for a health plan to cover your medical bills, including expensive surgical procedures, HDFC ERGO health insurance is a good option.

List of Surgeries Covered Under HDFC ERGO General health insurance

The following are some important surgeries covered under HDFC ERGO general health insurance policies —

1. Cataract Surgery:

This is a painless procedure that helps correct vision problems. The surgery is done to remove the cloudy lens from the eye and replace it with a clear artificial one.

Cataract surgery is a common procedure covered under many HDFC ERGO health plans, such as HDFC ERGO Optima Restore Plan, HDFC ERGO Maxima Plan, and HDFC ERGO my:Health Koti Suraksha Plan.

2. Joint Replacement Surgery:

Arthroplasty/joint replacement surgery is a medical procedure in which the surgeon removes the damaged or worn-out natural joint and replaces it with an artificial one. The artificial joint can be made of ceramic, metal, or plastic.

Some HDFC ERGO health plans that cover joint replacement surgery are HDFC ERGO Easy Health Plan, and HDFC ERGO my:Sampoorna Suraksha Plan.

3. Heart Surgery:

This surgical procedure is done to correct cardiac issues and improve the functioning of the heart. Some common types of heart surgeries are CABG or coronary artery bypass grafting, heart valve repair or replacement, maze surgery, insertion of a pacemaker, and heart transplant.

Heart surgery is covered under the following HDFC ERGO health plans – HDFC ERGO my:Health Koti Suraksha Plan, HDFC ERGO Optima Secure Plan, and HDFC ERGO my:Health Critical Suraksha Plus, among others.

4. Brain Surgery:

This is a complicated medical procedure done to treat conditions like tumours, epilepsy, leaky blood vessels, blood clots, traumatic brain injuries, and haemorrhages.

Brain surgery is covered under HDFC ERGO my:Health Critical Suraksha Plus, HDFC ERGO Optima Secure Plan, HDFC ERGO Maxima Plan, and HDFC ERGO Critical Illness Plan, to name a few.

5. Organ Transplant Surgery:

Organ transplant is an important and life-saving surgical procedure in which an organ is surgically removed from one person and transplanted into another. This is an expensive medical procedure, so having a health insurance policy covering organ transplant expenses ensures financial protection.

Some HDFC ERGO health insurance policies covering organ transplant surgery are HDFC ERGO Maxima Health Plan, HDFC ERGO Critical Illness Insurance Plan and HDFC ERGO iCan Plan.

6. Cancer Surgery:

This is an important and expensive medical procedure done to remove cancer or cancerous tumours from the body. Some common types of cancer surgeries are laser surgery, laparoscopy, robotic surgery, and open surgery.

HDFC ERGO offers a range of health plans that can cover this medical procedure and save you from financial worries. Some health plans include HDFC ERGO Optima Secure Plan, HDFC ERGO Critical Illness Plan, and HDFC ERGO my:Health Koti Suraksha Plan.

7. Kidney Stone Surgery:

While most kidney stones clear up on their own, some must be removed surgically. In most cases, doctors recommend surgery if the stones are large and have got stuck in the kidney.

This medical procedure is covered by many HDFC ERGO health insurance policies, including HDGC ERGO Optima Secure Plan, and HDFC ERGO Easy Health Plan.

Conclusion

These are some important surgeries covered by health insurance policies that HDFC ERGO offers. These insurance products can cover both major and minor medical expenses and save you from dipping into your savings. Therefore, if you are looking to secure your finances during medical emergencies, check the health plans that HDFC ERGO offers and zero in on a suitable one.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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